23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit card or prepaid card

Please look into Bank of America 's credit card payment system. There is no reasonable way to enable Automatic Payments, that is to have the balance automatically paid each month. Unlike every other credit card I have ever seen. Please look into this. If you XXXX " how to set up auto pay on bank of america credit card '' you will see dozens of people describing the same issue.
Product: Debt collection

I was summoned by a third party attorney to court on alleged XXXX debt. Since I have no contract with XXXX or debt owed, I assume that XXXX XXXX XXXX has stolen my identity.
Product: Money transfer, virtual currency, or money service

I have over XXXX took from me around XXXX I call a call center representative to comps about sending money to the wrong person like XXXX time XXXX to XXXX to
Product: Checking or savings account

Emails sent to my sister in law from XXXX XXXX XXXX about my new account opened. I contacted XXXX XXXX XXXX and had them close account. 

Then I got a notification by email about me owning a new bank account with XXXX XXXX. Did the same, called them and had it closed as it was not me who opened it. 

Now I have a notification by email of an identify verification with XXXX XXXX. Trying to contact them but can't get anyone on the phone.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) Due to inadequate customer service and unfair practices, which violte the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic and Tranfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit card or prepaid card

My Husband is traveling in XXXX. I went to log in on our laptop to make a payment at my Grandmas home. CapitalOnes server must have noticed that the I.P. Address was different from our homes and asked for verification via one of three options. Each of the options, however, required a smart phones texting feature. Unfortunately, he was not able to perform any of the options due to very limited service. There is a tollfree number for this situation posted on the bottom of the webpages verification page. 
When I called the tollfree number, they asked for him to send a photo of the front and back of a government issued I.D . However, they also placed a hold on the card making it unusable. So, he is stuck traveling in XXXX with no Credit Card for two weeks. 
This is horribly upsetting as we informed CapitalOne prior to his departure that he would be traveling to XXXX and made certain that the account was noted for travel outside the US. We provided verification via the telephone that it was indeed him traveling to release the hold with no success. 
I fail to understand why they would place a hold on the card, making unusable after all of the precautions have been made and after all of the verifications have been performed. This is not only a major inconvenience, but a safety concern. CapitalOne is negligent in jeopardizing the wellbeing of an American traveling overseas who was depending on their services. 
Monies will now have to be sent via a service at additional costs and hopefully will be accepted at locations to provide him a safe return. 
There are so many other credit card options that offer better interest rates and rewards and would never consciously jeopardize the safety and wellbeing of their users. Be warned, stay far away from CapitalOne!
Product: Mortgage

A I was fighting my mortgage in XXXX  after my XXXX  XXXX  I requested that flagstar allow me to take over my mortgage, which they denied saying it needed to be up to date. Once funds were approved for my mortgage I again requested that be allowed to take over my mortgage and was denied again.Duetoflagstarnotallowing me to refinance my mortgage I had to go to court for probate and now my XXXX XXXX  are the remainder men of her me ( I still retain my half ) my house caught on fire and no one will finance the work without everyones signature which they refuse to do as well.my XXXX  passed and I am raising my grandson and we are now XXXXI used my funds to start repairing the house and now have nothing. If flagatar had allowed me the ability to take over the mortgage they would havre received their funds, house paid in full and I would have been able to refinance and repair my home. I now have to go to a hearing for my unrepaired home facing daily fines which may cause me to lose my home for good Flagstar treated me as the owner when it came T the insurance funds as well as getting addditinal funds to payoff mortgage. I was considered an owner as I was on the insurance policy and the mortgage itself but not the note. When there was a foreclosure we we both named not just my husband and when we refinanced the home they flagstar we ) my husband and I were both required to sign. They have acknowledged me as the owner of the home but denied me ownership
Product: Credit reporting or other personal consumer reports

This is my 2nd endeavors to tell the 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX  Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX  XXXX Balance Owed : {$130.00}
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act, Capital One, has violated my rights under 15 USC 1681, section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan, as late for any purpose.
Product: Checking or savings account

On XXXX XXXX, XXXX, I was contacted by Citi Bank Fraud Division to inform me that there appears to be 2 fraudulent transactions on my credit accounts. One Cash Withdrawal for {$1400.00}, and one for {$2500.00}. 
As I inquired about this, the person from CITI asked if I was referring to the wire transfer that same day in the amount of {$6600.00}. I immediately advised him I had not authorized such a transaction, nor was I called to verify that one the way they called about the credit cards. 
He advised the money is lost, and instructed me to contact my local Sheriff Department. 
I filed a report with the Sheriff, who directed me to file a complaint with the Federal Trade Commission and the FBI, which I also did. 
At this point, I believe it was negligent of CitiBank to verify transactions on my credit cards, but no attempt to verify on this wire transfer. 
I am asking assistance to recover this money. 
Citi apparently offers no protection against fraud, and is not too concerned about who they disperse a customer 's funds to.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive. As they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

I am filing this complaint against Transworld Systems Inc ( TSI ) for : Fraudulent Credit Reporting ( Violating FCRA, 15 U.S.C. 1681b, 1681e ( b ), 1681s-2 ( b ) ) : TSI reported an invalid collection account ( # XXXX ) to credit bureaus without permissible purpose or accuracy. 

They failed to investigate my dispute ( submitted XX/XX/XXXX ) and correct inaccuracies, violating 1681s-2 ( b ). 

Unlicensed Debt Collection in New Jersey ( Violating FDCPA, 15 U.S.C. 1692e ( 5 ) & N.J.S.A. 45:18-1 ) : TSI is not licensed to collect debts in New Jersey , per the XXXX XXXX XXXX database ( attached ). 

Their unlicensed collection activity constitutes deceptive practices under 1692e ( 5 ) and state law. 

Cease-and-Desist Violations ( Violating FDCPA, XXXX XXXX. XXXX ( c ) ) : After I sent a cease-and-desist letter on [ XX/XX/XXXX & XX/XX/XXXX ], TSI continued contacting me by phone ( please see attached call logs for dates & times ).

This constitutes harassment under 1692d and a breach of 1692c ( c ).

Steps Taken to Resolve Sent a detailed dispute letter and cease-and-desist notice on XX/XX/XXXX & XX/XX/XXXX ( attached ). 

Provided proof of TSIs lack of NJ licensure ( attached ). 

No corrective action taken ; account remains on credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Citizens bank closed my account because appearantly I hurt one of their employees feelings .... they will not tell me where my funds are or how or when I will recover them after they closed my account with absolutely no notification to myself... and they will not even communicate with me now, so I guess I need to get others involved to obtain information on how I go about getting my money that the bank is holding and won't even tell me what to do to get it back... thanks in advance...
Product: Checking or savings account

I filed bankruptcy XX/XX/2022. I called Bank of America to resolve my account and get it back in good standings. I was told by a rep that my fees will be waived and he asked me did I want to close my account I specified no. He then transferred me to collections to get that done. I then spoke with them, gave them my bankruptcy information and asked them would they be waving the fees, he said I had to speak to customer service. I was transferred there then they said I had to speak to the bankruptcy department, the bankruptcy department said I had to talked to the overdraft department and they tried to transfer me again. They said that my account was closed. I asked why I didnt request that. They then said due to bankruptcy and I asked where was that in the policy and the rep could not tell me and refused to get a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company claims that I was in arrears in account for almost two years. This was a secured am card that I put up money for. There was an issue with some charges and payments. They would not respond. I never heard back from them, they never returned the money I put up for the card. 6 years later they put something on my credit report that had not been there before about me owing money. I was blocked from getting a loan for my last semester of graduate school. I called the company and was told they would not remove it. They told me that if I paid them a set amount that they would remove it from my credit and issue me a paid in full letter. I paid them even though they already had my money. I couldnt miss the loan window for school and I wanted to be done with them. Now they are reporting that I was in arrears for two years and those years the account wasnt even active. Nothing about the other six years I supposedly owed hem money because I didnt owe them money. I have disputed this I. My credit and they wont remove it. I have not paid a bill late in 10 years to any one and this is ruining my credit when they have been double paid and have not stuck to what they said they would do. I cant understand how a company can put something as current late on your credit when you havent done business with them in years. This account was opened in 2011 as a way to improve my credit or so they said. I have done everything and more then they have asked and they are ruining my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX  - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX  - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX  XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, Experian, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit reporting act, the list of the account below has violated my federally protected consumer right to privacy and confidentially under 15 USC 1681. 

1-Account name XXXX XXXX Account number XXXX Charge off 2-Account name XXXX XXXX Account number XXXX Charge off 3-Account name XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Late payment 4-Account name XXXXXXXX XXXX  Account number XXXX Account type Credit card Deadcharge off 5-Account name XXXX XXXX XXXX Account number XXXX Account type Collection Has violated my right.

15 U.S.C 1681 section 602 A. states I have the right of my privacy.

15 U.S.C 1681 section604 A. It's also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer reporting containing any of the following items information any other adverse item of information, other than the record of conviction of crime which intent the report by more than seven years 68 awesome 15 U.S.C. 1681s-2 ( A ) ( 1 ) person shall not furnish any information relating to consumer to any consumer reporting agency 's if the person knows or has responsible cause to believe that the information is inaccurate.
Product: Mortgage

Failure to evaluate borrower for ALL loss mitigation options to avoid foreclosure.
Product: Debt collection

This company has posted two accounts to my credit report without sending me any communication and right to dispute. 
I have attached documentation to the company who sold both accounts disputing and they still sold the to IQ Data. These accounts are bogus and should not be on my credit report. I have also contacted the attorney general of Texas and Washington about this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Experian Credit Bureau on XX/XX/year> disputing a lot of incorrect personal and credit card balance information they had on file. From XX/XX/year> until XX/XX/XXXX, the Credit Bureau has been correcting all information and closing my disputes. So I checked my credit report on XXXX XXXX and it shows a statement of " Several late payments by an unknown source '' which was not there before. I can find no way on their dispute section to find out where this new information was obtained in order to dispute it. In addition, on XXXX and XXXX sites, the " Several late payments by an unknown source '' is not listed anywhere on my credit reports. In addition, my credit source on Experian is at least XXXX points lower than the other 2 credit reporting agencies, so I believe they keep your scores low in order to sell their " Experian Boost '' products. This low and inaccurate reporting prevents consumers from getting a fair product based off their credit scores. I need someone to look into this issue, because writing Experian a letter does not guarantee that they will acknowledge receipt and then there's no remedy to correct your issues.