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

On XX/XX/XXXX I called my credit card and had XXXX XXXX taken off as an authorized user. On XX/XX/XXXX I received a letter in my inbox on my credit card that stated the authorize user has been removed. To clarify that I emailed them and ask them to add his name to the letter saying that he is no longer an authorized user. On XXXX XXXX it was reported to the credit bureau that he was still an authorized user so I called the credit company and ask them why they put him in as an authorized user because now his credit score dropped, and his debt to ratio went up. Hes trying to buy a house and now because of them reporting this to the credit bureau after I had asked them to remove him he hast to wait to get a mortgage for to refinance his house. I have documentation to prove this and I would like it removed immediately from his credit report. The credit card is a XXXX XXXX XXXX by XXXX XXXX 
When I called to dispute it with the credit card company, they were like oh well.
Product: Credit card or prepaid card

My bank account was closed at my request in XX/XX/XXXX On XX/XX/XXXX XXXX XXXX tried to withdraw an autopayment. Per the Support center, it was returned onXX/XX/XXXX due to a closed bank account. On XX/XX/XXXXthe autopay was still on and they attempted to draw again from the closed account. OnXX/XX/XXXX, I cancelled my autopay and paid the bill at XXXX. At XXXX, I received a letter stating the autopay fromXX/XX/XXXX had been returned and to contact my financial insitution. When I logged on XX/XX/XXXX the account had an alert that it had been cancelled.

I did not receive a phone call, voicemail, email or letter stating that my account would be closed. When I reached out to customer service on XX/XX/XXXXand XX/XX/XXXX I was informed that it was closed due to two autopays being returned and could not be reopened.

I was not properly notified of account closure. I had also made a payment prior to receiving the autopay return. In my case, the return was due to a closed account inXX/XX/XXXX At that time, autopay should have been removed from my account, as the XX/XX/XXXXpayment would also be returned for the same reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with WELLS FARGO. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and WELLS FARGO with no successful resolution. There was definitely an error on their part.
Product: Mortgage

On XX/XX/2018 I disputed missing information on my XXXX credit report. I did a disputed with Caliber Home Loans the following is missing on the closed account " Recent Payment Amount '' there should be a pay off amount of {$100000.00} it just shows a simple line. When i disputed this with XXXX  it came back as remains on XX/XX/2018 this account is showing up as a negative item on my credit report. Because of this I've been turned down for a auto loan. If Caliber homes can not fix the missing information on my XXXX credit report im asking for this account to be deleted from all 3 Credit Reports XXXX, XXXX, and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX -- TransUnion and XXXX still shows I have a debt with XXXX XXXX for {$150.00}. 

This account has been off in FULL. I have numerous documentation and XXXX XXXX itself will agreed account has been closed and paid off. 

I disputed directly with TransUnion and they refuse to fix it on their report. Same with XXXX. I have contacted XXXX XXXX numerous times and was told it takes time but it has been already over 30 days. My credit score is taking a hit of incorrect reporting! 

Account ending in XXXX has a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Experian, and XXXX are still reporting public records in which the court has responded that they do not report public records. The information reported is inaccurate and according to XXXX, they do not pair social security numbers but the credit bureaus do. The last four numbers of the person social are reported therefore the numbers can be matched to anyone. XXXX XXXX also closed the accounts listed under them, they reported fraudulent information and agreed to delete from all three credit reports within 30 days. XXXX XXXX is still reporting 1 account to Experian and XXXX  ... see CFPB report attached.
Product: Checking or savings account

On XX/XX/2023 I received a letter from TIAA Bank stating that they were closing my account in 30 days. I have been a TIAA Bank customer for well over 10 years and never had a problem. So I phoned the bank and their representative told me that indeed they are closing my account but did not have a reason for doing so. When I asked to speak to a supervisor he said that he would give me the same answer and that I should let it ride and find another bank. 
I find this very insulting and I feel that TIAA bank should give me some kind of reason for their action.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS INFO ON MY CREDIT REPORT THAT IS INACCURATE. 

NOT MINE : XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXXXXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX  XXXX XXXX LA XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Product: Credit card or prepaid card

On Thursday, XX/XX/2021, I received a " CashApp '' credit card via USPS mail, which was issued by Square , Inc. I did not submit a credit application to Square Inc. or to Cash App for this line of credit, and this account was instead opened fraudulently by someone using my identity. 

Upon receiving the card, I immediately attempted to make contact with Square , Inc. using the Cash App 's support phone number, which would not connect me with any person who could close this fraudulent account. I additionally attempted to contact Square , Inc directly through its support phone number, which also refused to connect me with any representative who could provide assistance. 

I am therefore submitting this complaint to the Consumer Financial Protection Bureau, noting the following additional facts : - As I have a fraud alert currently active on all major consumer credit bureaus, opening a line of credit requires additional verification of identity. This verification was not performed by Square , Inc. 

- Failure to conduct identity verification for individuals with active fraud alerts puts Square , Inc., in violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Willful noncompliance with the Act makes Square , Inc. liable for " any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, '' and additionally, " the costs of the action together with reasonable attorneys fees as determined by the court '' in the event of any successful action. 

- Failure to provide reasonable means for individuals to call over telephone to resolve FCRA noncompliance issues constitutes negligence on behalf of Square , Inc. 

- Numerous news reports ( https : XXXX, https : XXXX, https : XXXX ) indicates potentially thousands of individuals have received CashApp cards fraudulently, or have had their CashApp accounts illegally hacked, implicating that Square, Inc. is negligent in managing highly sensitive user data, unwilling to comply with FCRA, or otherwise is acting in bad faith as a creditor and as a business concern.
Product: Debt collection

On XXXX XXXX I received a debt collection letter for {$4500.00} from ARCADIA This debt was paid off during my XXXX  XXXX to XXXX and after my release.
Product: Debt collection

I do not have a contract nor did I authorize this company to obtain my information, my information, my rights to privacy was violated under the FDCPA & FCRA.
Product: Debt collection

I received a collection letter yesterday. I have no knowledge of this account. I have never received a regular bill and now its in collections. I'm also when I called to verify they have the wrong date of birth for me in their system and on the documents. This is not my debt
Product: Checking or savings account

I spoke with td banks branch and customer service for the XXXX time who showed no care that fraud had taken place on my account and was never disputed XXXX of the beginning fraud transactions for {$430.00}, they never disputed it and the bank basically recouped all the off the money for themselves including chargebacks that I never filed, yet they say I did, and I cancelled them and they told me and XXXX  they woudl return money to the merchant which never happened.. Td banks says I am the first person in history to have some retrieve their pin number and they woudl not all ow me a single dime yet they recoupped every XXXX for them selves especially the XXXX which was the beginning of the fraud ... My wallet and phone was stolen they spoke to someone freely about my account and they took my money and now all of bankers act like they cant help me yet, and i filled out police report yet the bank got the money even took merchants money through chargbacks that i did not file and if they say i filed them, then i also cancelled them but nothing was given back to me nor any of the merchants they frauduently knew what rebuttals to use such as the thief could never made mistakse with a XXXX digit pin that is not enough info to call off in investigation this is a poorly ran bank that takes people with the help of thier banks lying
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Credit Bureau is still refecting a collection account on my credit report that has been paid in full and the other credit bureaus XXXX  and XXXX  has removed this collection. 
XXXX  # # # XXXX opened XX/XX/2019 with a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a certified letter to Experian to dispute incorrect information on my credit reported. After the first 30 days, I received an updated credit report that stated the account was investigated, however there were not any changes. Then after receiving no official documents to verify the debt listed, I sent a second certified letter on XXXX XXXX, 2017. On XX/XX/XXXX, I received an updated credit report stating the debts will not be reinvestigated. This company is breaking the law by not providing the information being requested. They didnot provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA as they are required too. I have attached confirmation of receipt of letters.
Product: Mortgage

XXXX XXXX I became XXXX and approved on XXXX XXXX. XXXX XXXX foreclosure avoided, renegotiated loan with Bayview Loan servicing. House appraised at {$71000.00}. I got the house back for {$100000.00} with {$45000.00} pushed back to end of loan so I could qualify and make mortgage payments. Bayview officer came to my home to sign one document. 
XXXX XXXX XXXX I applied for mortgage susp for XXXX months to do repairs after Irma. Bayview responded  by selling mortgage to XXXX servicing and no suspention of payments. XXXX rep refused susp of payments. 
XXXX servicing read the contract to me over the phone and sent a copy. I have never seen or agreed to part two of contract. They are adding {$45000.00} to the loan for late fees and interest that were waived in renegotiation. 
Back in XXXX I had a choice between taking a {$30000.00} payment and moving or to renegotiate loan. There is no way I would pay twice the value of the house. That 's why it was reappraised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made all my payments on time with XXXX XXXX bank also known as XXXX. They have reporting that i was passed due 30 days twice. I contacted them and they stated theyll change the payments to on time and it never occurred. They said they contacted the Experian and it never changed. This is a defamation of my character and violation of the law. Please enforce the law this has been going on for 3 months since XXXX to XXXX ; because of this I was un able to get approve for several of my credit card applications. I seek the correction of the account on my credit report and monetary relief for their actions through CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting CFPB today because consumers can no longer purchase their credit score without being forced to sign up for XXXX 's monthly credit monitoring subscription. In previous years, I am able to go to XXXX, download my credit reports, and purchase my credit scores in a straight-forward fashion. Today ( XX/XX/XXXX ), I see that two of the three credit agencies - XXXX and TransUnion - are using deceptive marketing tactics to lure consumers into purchasing their monthly subscription when they are thinking they are making a one-time purchase of their credit scores. As a credit trainer for seniors, I am particularly concerned that this vulnerable population will be tricked into paying for a service they never intended to sign up for and possibly not discovering the problem until many months and many dollars later. <P/>With TransUnion at least, there is a very, very tiny link at the very bottom of their " get your credit score '' webpage that allows consumers to bypass their credit monitoring subscription to pay for the credit score directly. <P/>XXXX, however, does not offer ANY option to purchase their credit score without having to become a credit monitoring " member ''. This was what I was told by an XXXX representative when I called for assistance. I called back subsequently to lodge a complaint with XXXX 's corporate headquarters but was told by the operator that she did not know who I could/should speak with at the Executive Offices. When I acquiesced to speak with an agent who will take my complaint, I was left on hold indefinitely. I hung up after about five minutes of waiting ... <P/>Please advise XXXX ( and to a slightly lesser extent, TransUnion ) to cease and desist in using predatory marketing practices regarding credit scores and make them more easily accessible to consumers. One should not have to scour a webpage with a fine-tooth comb to purchase one 's credit score. And consumers should never be forced or tricked into signing up for a monthly subscription of a service they do n't want simply to get their credit scores! <P/>Thank you for taking the time to review my complaint. I hope something can be done. <P/>XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

BBVA USA is a bank headquartered in XXXX, Alabama. It has been a subsidiary of the XXXX multinational Banco Bilbao Vizca BBVA closed my account because my credit score changed, but I still have a balance.

They do not let me pay my outstanding balance online.

This is like they are trying to make me default This is so XXXX BBVA closed my account, but I still have have balance, and you don't let me pay online, I have to call in every time to make a payment. 
This is XXXX, it is a huge inconvenience that I can't pay online I am going to report you to department of consumer affairs XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the fraudulent accounts listed below due to my status as a victim of a recent data breach. These accounts were opened without my authorization, and I request that you take action to block and remove them in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which grant victims of identity theft the right to have fraudulent information removed from their credit reports. 
Accounts to Be Blocked and Deleted : XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$730.00} XXXX. XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1700.00}
Product: Debt collection

The account is over the Statutes of Limitations and I have a bad credit because of this account. It is with XXXX XXXX XXXX.
Product: Bank account or service

XXXX checks that I had already deposited through my Bank of America mobile app XX/XX/2016 were stolen out of my vehicle. I had failed to write " void '' across the front of the checks. I did not know this was necessary as the app told me to write " for deposit only '' below my signature, which I did. I thought this was sufficient to prevent the checks from being nefariously used by someone else. Originally, the checks that I deposited XX/XX/2016 were cleared and I spent the money on bills and daily life needs. XX/XX/XXXX, the thieves used the same XXXX checks to deposit in an ATM. Bank of America allowed this fraudulent transaction to occur and immediately took the funds out of my checking account to cover these duplicated checks. They never asked me if I had mistakenly tried to use the checks again, which I would have told them " No! '' and explained that thieves and defrauders were at work here. My account was overdrawn by almost {$2000.00} because of this. I feel as though I have not only been victimized by thieves and defrauders but also by the the financial institution that my wife and I have used for over 12 years. Bank of America are accomplices to theft and check fraud by ( 1 ) allowing the fraudulent transaction to go through and ( 2 ) by taking the money out of my account to cover their mistake. They also took {$800.00} out of my wife 's checking account that was not directly tied to our joint account, where the duplicated checks were said to have occurred initially, after the account was made negative by the fraudulently deposited checks. This has caused my whole family untold amounts of XXXX. XXXX We filed a police report for check fraud but I just received notice that the case has been closed due to lack of surveillance video at the scene of the XXXX, fraudulent, transaction. Bank of America told us that we had to contact my employers bank, ( XXXX ) in order to see when the checks went through the 2nd time at XXXX. They knew that these checks had already been payed by XXXX after I deposited them XX/XX/XXXX. There was no reason for XXXX to pay these a XXXX time. My boss, the writer of the checks, went repeatedly to XXXX in order to ascertain this. XXXX had no record of the checks coming into their system a 2nd time. Bank of America paid the thieves without sending the information to XXXX the 2nd time. The fraud department of Bank of America has told us there is nothing they can do to help us. They are still incurring monthly charges to the accounts because we ca n't close the account with a negative balance.
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 XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Debt collection

I contacted you requesting validation of the alleged debt. As of today I have not heard from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of ESTOPPEL by SILENCE, XXXX XXXX XXXX { Mo } 281 SW 715.719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exist. 
In a good faith effort to resolve this matter amicably, I restate my demand for proof of debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask the following information : 1. Please evidence your authorization under 15 USC 1692 { e } and 15 USC { f } in this alleged matter.

2. What is your authorization of law for your collection of information?

3.What is your authorization of law for your collection of this debt?

4.Please send evidence your authorization to do business or operate in the state of Texas.

5.Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen { 15 } days from the receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely matter will work as a waiver to any an all your claims in this matter, and will entitle me to presume that you sent your letter { s } in error, and that this matter is permanently closed. 




Best Regards XXXX XXXX