23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/2023 and XX/XX/2023 American First Finance knowingly violated 15 U.S. Code 1692f - Unfair practices section 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. and section 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. in total my consumer rights were violated four times. The receipt showing my payment was accepted and made is dated XX/XX/2023. The cancellation and rescinding of my authorization to use the credit card on file is dated XX/XX/2023. The authorization for use of my credit card for future payments beginning on XX/XX/2023 is dated XX/XX/2023. Any payments attempted or made after XX/XX/XXXX and prior to XX/XX/XXXX should be considered fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Money transfer, virtual currency, or money service

I was scammed by someone that got my number somehow. I keep track of all my numbers but this person contacted me claiming to be my friend that contacted me by accident. First the person was nice to me texting then they wanted to contact me on XXXX claiming that the other number was there work phone. I then talked to them in XXXX and they showed me how to invest in crypto by using cash app and crypto.com platform. The person would show me there gains and funds as well as pictures sent me a QR code for the app to download that was actually a real app at the time that I was able to download on the XXXX XXXX. The app was called XXXX. My bank chase was linked to my cash app at the time so all my funds went from that account. Most of my funds were in a XXXX XXXX XXXXXXXX account at the time so i added more of my funds to the chase account being pushed by the person to provide more funds into this crypto plantform coin gold. I add pushed to buy bitcoin then to transfer the funds into XXXX. XXXX operated like the other platforms and was international as well. I was also provided with accounts numbers from customer service of the coingold platform to wire money. When I tried to take the money out of XXXX I was instructed to pay taxes in order to take the money out. Then I was asked for more money. I later did some investigating and realized that something wasnt right. The person that was being my friend lied to me into investing in a crypto platform that didnt exist. I realized it was a scam. I made a police report and talked to a treasury agent that worked for the government about the matter as well. I also contacted the fbi, ftc, and ic3.gov. I also contacted my chase and XXXX XXXX XXXX about the matter with them claiming Im liable. The treasury agent I talked to said this was a scam called XXXX XXXX scam also authorized push payment. My banks denied my claim even though I have evidence of everything. Nothing like this has ever happened to me in my life and has had a dramatic blow to my life financially and the money I invested came from a settlement from getting hit by a car. Mentally my mind wasnt working properly and a month before I had got out of a relationship with my ex. About a month later thats when this person contacted me .they had a XXXX number from a real carrier. The person contacted me XX/XX/XXXX. 

Date amount of money taking out of account The dollar amounts were converted into bitcoin. All of them are on cash app but they last one being on XXXX XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX $ XXXX XXXX XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ cash out XXXX XX/XX/XXXX Transaction XXXX
Product: Credit reporting or other personal consumer reports

ACCOUNT NUMBER : XXXX Per the FCRA, I as a consumer opted out of all authorization i previously gave CHRYSLER CAPITAL via mail. They have not taken action in removing the above account from my consumer report. Therefore the above account should not be reporting on my consumer report per 15 USC 6802. I demand a immediate deletion from my consumer report.
Product: Payday loan, title loan, personal loan, or advance loan

Download kickoff awhile ago but didn't know how it works so I deleted the app. I thought I cancelled it but I see it's on my credit
Product: Credit reporting or other personal consumer reports

Thank you XXXX XXXX XXXX with the dispute with XXXX Bank and XXXX XXXX. Several days after my email to you I was contacted by someone on the corporate level saying how sorry XXXX were and would fix it immediately. They did within XXXX weeks, correcting all the information and clearing it all up. I even got a check from them for the amount ( {$1400.00}, which I am afraid to cash, never contacting them ), My PROBLEM now is TRANSUNION, whom I sent the same documentation and the resolution, will not give me back my old XXXX XXXX ( XXXX ). They lowered it to XXXX and has inched up to XXXX. When applying for a loan was told my present score of XXXX was low and I would have to pay a higher interest rate for repayment of the loan. That actually Transunion presents to me XXXX, but the XXXX XXXX 's score they use is XXXX making a higher interest rate to me. When I asked, of course if I had the old score I would have a lower interest rate. 
Can you help me get my old interest rate back. It was caused by no fault of my own. 
Transunion and their partner agencies have faulted me. And can you give that information to XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX has violated my rights. Creditor. Date 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 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 Have violated my rights. 

15 U.S.C 1681 section 602 A. States 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: Checking or savings account

Chexsystems has information on there that I opened a bank account with XXXX XXXX XXXX, which I did not. It was a product of fraud. I informed them of this I have tried to dispute this. I have told XXXX XXXX XXXX that it was not me, and I requested them provide security footage of me at whatever branch this happened at I never heard back from them. I never heard back from check system either regarding the dispute. Also, I never gave check system my information or gave them authorization to report any of my information on their website there have been multiple times. I tried to opt out of it, and it doesnt opt me out. It says it will, but it really doesnt now Im unable to open a bank account at all because of the inaccurate information they have put on their website. I am unable to conduct my business because they are fraudulently reporting information of mine without my permission. The XXXX XXXX XXXXXXXX information was posted to checks system on XX/XX/XXXX. There are also two other accounts on there that should be removed. One is with XXXX XXXX who I have an active credit card account with them so that definitely should not be on there that date posted is XX/XX/XXXX. And another account XXXX page I voluntarily close that account so that should also not be check system. The date for that is XX/XX/XXXX. I didnt give any of these banks permission to share my personal information with a third-party or anybody for that matter and like I stated before I never had a bank account with XXXX XXXX XXXX that was open fraudulently. This is ruining my life because as I said, I am unable to conduct my personal business and open a bank account. I am a XXXX XXXX  and I work for the XXXX XXXX XXXX XXXX. This is incredibly inconvenient and making my life more difficult than it needs to be so Im please requesting that all three of these items be removed off of check system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Disputes with all three credit bureau reporting agencies on XX/XX/2021 ( XXXX  XXXX, XX/XX/2021 ( Equifax XXXX and XX/XX/2021 XXXX XXXX XXXX against XXXX XXXX XXXX. As of XX/XX/2021, my XXXX  XXXX XXXX student loan was paid in full and therefore closed. On XX/XX/2021, both XXXX  and XXXX  closed my Disputes with no change to my account balance and status, because XXXX XXXX XXXX  advised each that I still have a balance when in fact that was ABSOLUTELY false and unsubstantiated by their own records. I dont know why XXXX XXXX XXXX would intentionally provide a fraudulent response, one that has harmed me and caused extreme stress.
Product: Debt collection

DESIGNED RECEIVABLE SOLU XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DESIGNED RECEIVABLE SOLU has reported false fraudulent information to the 2 credit agencies XXXX and XXXX. 

I have written to the company DESIGNED RECEIVABLE SOLU letting them know the account is not mine. I never signed any contract with anyone at DESIGNED RECEIVABLE SOLU or had ever dealt with them. I have written a letter to them and all 2 credit agencies to immediately remove this fraudulent information. The amount which DESIGNED RECEIVABLE SOLU claims is due is {$360.00}. This appears to be an identity thief. Please help to remove this item from my credit reports.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 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 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

i received a letter in my mail from a collection agency that had my medicals records in it and i believe thats against HIPAA law i did not give the creditor authorization to share my medical history or records
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX Date of inquiry XXXX/XXXX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account number : XXXX and, Account number : XXXX, has 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
Product: Checking or savings account

Dear US Bank, I am writing to address an issue regarding the {$500.00} bonus that I was supposed to receive upon signing up for a business checking account with your institution. Unfortunately, it appears that the promised bonus has not been credited to my account. 

During a conversation with XXXX on XX/XX/XXXXXXXX  regarding my US Bank XXXX XXXX XXXX account, she assured me that the {$500.00} bonus would be forthcoming. On XX/XX/XXXX, I funded my account with an amount of {$3000.00}. Subsequently, I encountered a situation where the agent failed to provide proper assistance in setting up paperless statements, resulting in a {$6.00} fee waiver. However, through a co-browsing session in XXXX, I independently discovered the requirement to enroll in paperless statements using my mobile device. I promptly completed the sign-up process, but the {$500.00} promotion did not appear in my account. 
I understand that oversights can happen, and I genuinely believe this issue can be resolved amicably. Therefore, I kindly ask for your help in rectifying this situation by applying the {$500.00} bonus to my account, as originally promised. 

For reference, the last four digits of my account number related to this matter are XXXX. 

I appreciate your prompt attention to this matter and look forward to a resolution. Please feel free to contact me at your earliest convenience.
Product: Checking or savings account

On XX/XX/year> I attempted to make a cash deposit of {$850.00} into my Wells Fargo Checking account via the ATM located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. The ATM rejected {$200.00} ( Two {$100.00} Bills ) and my deposit total read {$650.00}, the ATM asked if I would like to submit anymore additional bills to my deposit. I flattened out the my two remaining {$100.00} bills and fed them back into the machine. The machine stated again that it could not accept the two bills and it would again be rejecting both of the TWO {$100.00} bills. However this time only ONE single {$100.00} bill came back out of the machine and the ATM deposit total still read {$650.00}. 

I immediately called the Wells Fargo ATM customer service support number and they opened a investigation on my behalf and a few days later gave me a credit for my {$100.00} bill. 

Over a month later on the week of XX/XX/year> I received notice that Wells Fargo had completed their investigation and they had determined the machine did not make any error and that they would be pulling the {$100.00} credit back out of my account. 

I called customer service again on XX/XX/year> to inquire about their investigation because clearly their had been a mistake. The customer service agent said that because the machine hadn't reported any error they closed the investigation and determined it had not incorrectly kept my {$100.00} bill. I asked if anyone had physically audited the machine to make sure the money inside matched what it showed for total deposits. The customer service agent said no. I asked what exactly were the steps they took to determine the machine did not incorrectly keep my {$100.00} bill. The agent told me she couldn't disclose that information fully but as the machine itself was not reporting that any error had been made that ultimately my claim was denied. I told the agent that relying on a machine to send back an appropriate error code when it had already incorrectly kept my bill didn't seem like a reliable investigation to that she had no answer for me. 

I find it very suspicious and bad business practice that Wells Fargo has come back well over a month later to deny my claim and then admitted that during the course of this time no one physically audited the machine ( as I have seen written online is typically how these matters are handled with other banks ). But that they simply rely on the machine itself to tell them if it is has made an error.
Product: Credit reporting or other personal consumer reports

My purpose in writing is to raise my concern about the genuineness and precision of this specific account mentioned on my credit report. Approximately a month ago, I submitted a request for an investigation since I suspected that a certain item was being inaccurately reported. However, I never received any type of response. I kindly request you to elucidate the process of your investigation and furnish me with details on your method of verification. I need to emphasize that I have been a victim of fraud, as I never had a XXXX account. Furthermore, the inaccurate fraudulent and incomplete information you reported has caused me immense emotional distress. Please include the following details in your response : Please explain what your representatives uncovered to lead them to believe that the item ( s ) were being reported legally. What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. What was the cost incurred by your company to obtain the documents needed to complete your investigation? Please provide proof of your timely procurement of certified documents. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party. Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question. Provide the date of the commencement of delinquency. Please provide the specific date on which the items will cease to be reported. I kindly asked for a notarized affidavit to validate the accuracy and truthfulness of the provided information, in accordance with my civil rights protected by various federal laws. It is important to emphasize that a generic response letter will not suffice. If you are unable to promptly provide all the required details as outlined in multiple laws, including but not limited to the Fair Credit Reporting Act, I hereby insist on the immediate and permanent removal of this entry from my credit report. Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation.
Product: Debt collection

I had set up a business credit card account with Chase Ink in XXXX and had set the account to automatic payment with my bank account. For some reason, the automatic payment was rejected and unfortunately in XXXX, and my pending payments were never made. The total over the three months was ~ {$600.00} plus fines. When I found out about this, I immediately paid my pending dollars and completely cleared the account. Chase had closed my business account calling it delinquent and also closed a personal credit card ( which I was not using much ) issued by Chase. I called the company and the customer service folks were not helpful and were not willing to reinstate my credit card or provide me with any guidance to prevent an impact on my credit history. It was of no avail that there were no letters or emails or calls from Chase to inform me of no payments coming from me. Upon checking my credit card online account, I also find that there was no evidence of Notices issued towards me in the web section. I have very good credit score ( north of XXXX ) and always pay my credit card balance in full. Although I am not impacted financially by the COVID-19 situation, I can not imagine how these credit card companies impact the lives of people who miss on payments. Basically canceling credit card with no notice and having an adverse impact on credit history of their customers. I have been a chase customer for more than 10 years, and this is how they treat me! I would really appreciate if this gross error can be corrected and your help would be greatly appreciated.
Product: Credit card or prepaid card

this complaint is with direct express. this is not the first time. since recieving ssi benfits from XX/XX/XXXXhave already had id theft 2x which both times i was n the hospital for XXXX attemps. but only one time was i given back any money. sinceXX/XX/XXXX i had lost my card and because my account with direct express is flagged i hve to go to social security if i want any changes with direct express. so the XXXX the XXXX the XXXX and the XXXX i went to social security so they can call and get me a new card which i did the next day delievery which is 2 days and repeatedly had to go back to ssi cuz the card never came and was still charged the expidite fee 2x and a fee for new card. then XXXX while i was at social security canceling the card and having them send me a new card ups delievers the card but the lady at social security says that to just throw it away cuz its no good but it was already thrown away by th time i got to my mailing location. so when i got my new card i was suppossed to have XXXX but had XXXX ive tried to call direct express but with the lawsuit against them i cant ever get thur
Product: Credit reporting, credit repair services, 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. 

1. Unverified Account DEPT OF EDUCATIONXXXX Account Number : XXXX 2. Unverified Account DEPT OF EDUCATION/XXXX Account Number : XXXX 3. Unverified Account DEPT OF EDUCATIONXXXX Account Number : XXXX 4. Unverified Account XXXX XXXX XXXX Account Number : XXXX 5. Unverified Account XXXX XXXX XXXXXXXX Account Number : XXXX has 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 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.