23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly.

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Address Information Under the Fair Credit Reporting Act To Whom It May Concern, I am writing to formally dispute incorrect address information listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c ( a ) ( 5 ), credit reporting agencies are required to ensure the accuracy of personally identifiable information, including address history. 

The following incorrect addresses are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My actual and current address is as follows : XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX I request the immediate investigation and removal of any incorrect or outdated addresses from my credit report, as they do not reflect my accurate and current residence. Maintaining inaccurate address information can lead to confusion, misattributed accounts, and potential violations of my rights under the FCRA. 

Please investigate this matter promptly and update my credit report to ensure it reflects only accurate address information. I request written confirmation of the changes made, along with an updated copy of my credit report, within the 30-day timeframe mandated by the FCRA. 

Thank you for your immediate attention to this matter. If you need further information, you may contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Debt collection

I have paid what I owed the clinic and I do have the receipts with me.
Product: Debt collection

I have two fraudulent accounts now owned by XXXX XXXX XXXX that originated with Capital One Bank Usa. Neither of these account a are a result of any credit I established nor have I lived at the Ohio residence the statement summaries were sent to. The accounts are for XXXX and XXXX Acct # XXXX Amount : {$1200.00} Opened : XXXX Credit card Status : Seriously past due assigned to collections Acct # XXXX Amount : {$220.00} Opened : XXXX Credit card Status : Seriously past due assigned to opting dispute they directed me to ftc.gov and advised me to fill out complaint there and forward receipt to collections XXXX XXXX XXXX XXXX XXXX for XXXX XXXX ;. 
XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX Upon attempting to file dispute they advised portfoliorecovery.comme I would need to go to ftc.gov and file it then forward receipt to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 USC 1681 Section 602 Sates I have right to privacy.

15 USC 1618 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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: Checking or savings account

On the 19 I filed a report on CFPB to Bank of America, case XXXX. I've been calling Bank of America for over 3 weeks now, and I'm not getting any answers to my problem. I received an email a Resolution Specialist of Regulatory Complaints Department of BOFA, asking me to give him a call, I've called everyday, leaving voice messages asking him to call me back, and I've never gotten any answer. I've called every customer service number from them, nobody gives me an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 1. Account - XXXX XXXX XXXX 2. Account - XXXX  from XXXX XXXX 3. Account - XXXX from XXXX XXXX XXXX I 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 a account without my written instructions
Product: Money transfer, virtual currency, or money service

I was given an {$1800.00} usd refund by the internal revenue service for my 2020 taxes. It was transfered to, " cash app. '' During this period I requested a replacement card with the same 16 digit number on it, I believe this was done accurately because of the pending deposit. The routing numbers were not the same when I checked apon my receiving of the new card at XXXX XXXX XXXX. XXXX XXXX, California. No single dollar has been dispensed to me from. XXXX XXXX XXXX XXXX  or the Cash App... to date. I have since discontinued using the card $ XXXX. My new cash app is $ XXXX. Same legal name and social security number... please assist me in the collection of this debt. I am XXXX  in XXXX and desperately in need of this relief. XXXX XXXX
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  XXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX ====================================== UNAUTHORIZED INQUIRIES PLEASE DELETE 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 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Hello XX/XX/XXXX some how there system allowed some one to transfer XXXX out my saving account and sent to someone else. The card we have you use your real social and info to get direct deposit. It showed me her name and I search her on XXXX she stated that it got sent to her and continue making jokes. Please help me .... Me and my daughter need this money that was my tax refund. I have bills to pay and have feed my daughter. Can some please call XXXX and assist me immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

1 - Hello, onXX/XX/2022 I wrote a letter to Midlland Credit Management in regards to my consumer right of the Debit Collection Act 15 USC 1692g Sec 809 ( 8 ) ( FDCPA ). They have ignore my request of documents that I had the right to requested in my letter to them of Agreement docs and more as you will see and attached is what was sent to me from their company for the second time as this information they have is unacceptable to my consumer right of the law. 

2 - Also on XX/XX/2022 XXXX XXXX XXXX has also ignored my request of documents that I had of my consumer right of the Debit Collection Act 15 USC 1692g Sec 809 ( 8 ) ( FDCPA ). This is the second time and both times I have been ignored but they continue to report information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX reported an account was closed, but it was closed due to paying the automobile off and purchasing a new vehicle with a new financing company. This should not effect me negatively and according to XXXX XXXX, experian, and XXXX reporting agencies my credit score has dropped. Please rectify this due to the information I have provided. Thank you. XXXX XXXX
Product: Debt collection

Was already flagged back in 2021 where credit report points decreased then keeps being flagged and points taken off ( decreasing ) which is illegal to keep flagging and decreasing credit score points on the same debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account because of the lates that are reporting with the credit bureaus and the bureaus did not add a dispute remark to the account within 30 days. 
The initial dispute was sent XX/XX/XXXX and still, to this day there are no dispute remarks.

Please see : Francisco v. Midland Funding, No. 17 C 6872, 2019 U.S. Dist. LEXIS 20601, at *2 ( N.D. Ill. Feb. 8, 2019 ) 15 U.S.C. 1692e ( 8 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with MB FIN SVCS. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called MB FIN SVCS and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and MB FIN SVCS with no successful resolution. XXXX, XXXX, XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Product: Credit card or prepaid card

In XXXX of XXXX of purchased a ring from XXXX XXXX. I was going to pay cash they insisted i use credit and received 18 months no interest. Reluctantly i agreed. What a mistake this was! I began automatic payments of XXXX a month This would ensure my ring was paid off prior to the 18months. I purchased a second ring in XXXX of XXXX. 

In XXXX of XXXX  my balance was XXXX, my automatic payment of XXXX came out as scheduled. I didn't realize there would have been a XXXX balance, if I did I certainly would have paid it. My next bill i received was for XXXX! XXXX added the interest of XXXX percent from day one the entire amount of both purchases over a balance of less than XXXX! 

this is how they reward a good paying loyal customer who chose XXXX XXXX  over many other shops! 

i have called them to explain the oversight figuring of course they would take care of this. All that yielded me was a big headache and a waste of 2 hours on the phone with three different people saying they can't help me. this is an unfair business practice. if they were to charge me, they should be charging me on my second purchase not the first that would have been paid in the time frame. But look at the whole picture we are talking a matter of a few weeks and I'm told they won't do anything about it. i completely understand the technicality they are getting me on, it's very clear to me after seeing my new statement and have three people explain it over and over rather than to try and keep a good customer happy and say yes, we will work with you here. I also explained to them that i am unfortunately receiving XXXX and i am having a XXXX XXXX  for XXXX in the next month. No one would help all i got is this is our policy. 

XX/XX/XXXX balance XXXX XX/XX/2022 payment XXXX total balance left would have been XXXX XX/XX/2022 statement interest added to balance XXXX New balance of XXXX! 

I will never shop at this company again and i would strongly advise against it. Not to mention two of the stones fell out of the ring 5 months after owning it.
Product: Credit card or prepaid card

On July 28th, Capital One received a payment of {$2100.00} from XXXX for outstanding payments on my credit card ending in XXXX. This payment was in error since I had made a previous payment on July 14th of {$2200.00} for the same purpose. I called Capital One and was told that yes, the payment of {$2100.00} exceeded the amount required to pay off the outstanding balance, and a check would be remitted for the balance of {$2100.00}. 

This appeared clear cut to me. I overpaid and Capital One would reimburse the overpayment. 

In looking at my statement, on August 16th, I find I had been charged {$2100.00}. I called customer service and eventually talked to a XXXX who tried to explain why I was charged. The explanation was incomprehensible. She could not understand that there should have only been two actions : ( XXXX ) Capital One received an overpayment. ( 2 ) Capital One returns the overpayment. 

Although I contacted the card company about two weeks ago, I have yet to receive the {$2100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my tenth endeavor to tell you 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ate for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

RushCard had notify all customers that it will be an update on the system XX/XX/2015 from XXXX XXXX that it will be no use of your RushCard prepaid card. On Monday XX/XX/XXXX they sent another email stating that the process will be taking longer. Monday I was suppose to receive my employer direct deposit as of today XX/XX/2015 I still have no use of my card I have been calling every XXXX number that they have on filed I can not get through to any customer service representatives at all. I have bills to pay and this is my money that I worked hard for. I am a USA citizen that basically live paycheck to paycheck a household to feed. It has been brought to my attention that the RushCard owner has no worries of making his customers happy.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX XXXX XXXX Balance : {$820.00}
Product: Debt collection

On XX/XX/XXXX I sent Southwest Credit Systems a letter disputing a collection account that they claimed I owed {$170.00}. I asked them to send me proof bearing my signature that I had some legal obligation to pay them and they responded by sending me an invoice from XXXX. I didn't have an account with XXXX and I believe that the invoices that they sent are fraudulent. They responded on XX/XX/XXXX with the fake invoices. I again asked them to remove the collection account because they didn't mark the account disputed within the allocated 30 day time frame from signing for the first letter. This letter didn't show any proof bearing my signature that I had some legal obligation to pay them. I asked them to again validate the account and if they couldn't validate the account, they should remove it. They signed for this letter on XX/XX/XXXX and instead of sending me proof bearing my signature, they sent me an even bigger packed of falsified billing statements. They aren't adhering to fair debt collection practices.
Product: Money transfer, virtual currency, or money service

hi once i gone to XXXX last summer in the hotel while i browse XXXX on my device, i login with XXXX accidentally on paypal also as XXXX not work there in XXXX, then i received your account limited after i upload the id card proof of address, proof of business, just XXXX seconds i received a reply from paypal system You can't use PayPal anymore, i know 100 % because of vpn, as i login accidentally, i need resolution please for my account as i'm very honest and trusted customer from 10 years ago without any issues, this is my case Reference ID : XXXX. paypal email XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX. On XX/XX/2021, there was an unauthorized transactions for " XXXX XXXX '' in the amount of {$970.00} and " XXXX XXXX '' for {$370.00}. These are unauthorized transactions that were made fraudulently on my account. Chime Bank has denied my claim and hasn't supplied a valid reason for doing so. They also didn't include the second unauthorized transaction for " XXXX XXXX '' {$370.00} in the claim, which was denied anyway. I am entitled to a refund for these unauthorized transactions as they weren't made by me, they were made fraudulently and stolen from my account. Chime is fraudulently withholding my funds for these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act- XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 USC 1681 Sec 602A states that I have the right to privacy.

15 USC 1681 Sec 604A Sec 2 also states that a consumer reporting agency can not furnish an account without my written instruction.
Product: Checking or savings account

Bank of America representative changed my debit card number. I called in to have the company issue me a replacement card. I advised the rep several times to not cancel my current card and take it off of XXXX XXXX. I only need a replacement card. Well, the rep didn't listen - as soon as I got off the phone my card was removed from XXXX. I had to go more than four days without a card. I could not access any of my funds. I had to go without a lot items such as food. I was totally put out. The rep told me the debit card would not be changed. My bill pay was cancelled and I had to set it up again. This is unacceptable. If I knew she was going to cancelled my card, I would not have allowed it as I only needed a replacement card with the same card number. I called Bank of America - nothing has been done about this. No one talked to the rep about this or try to correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and Transunion during the week of XX/XX/XXXX thru XX/XX/XXXX. I called in reference to inquries that i had not appointed. I told the represenative that knowing what my current credit status there was no reason for me to be applying for credit. The only reason by law for my credit to be checked is : In response to a court order or federal grand jury subpoena ; To manage the risk of current or potential credit or insurance accounts that were initiated by you ; for employment purposes, with your written permission ; for the purposes of a potential investor assessing the risk of a current obligation ; in connection with your application for a license or other benefit granted by the government, when consideration of financial responsibility is required by law ; in connection with a business transaction initiated by you ; in connection with a child support determination, under certain circumstances ; in connection with a credit or insurance transaction not initiated by you, when a firm offer of credit or insurance is extended, and certain other restrictions are met. 

None of these inquiries fall into those categories. I am asking for immediate removal of these inquiries from my credit report.
Product: Checking or savings account

Hello, I downloaded an app called bright money. Its supposed to be a credit builder/ finance app but originally I thought it gave payday advance loans. Upon signing up it asked for my bank info ( like most payday apps ) but the problem is doing so signed me up for a membership i know nothing about. So yesterday XX/XX/2023 i was charged {$99.00} for a app i cant even get the initial service i was looking for on, havent used the app, and never agreed to pay for a membership for {$99.00}. I see other post online on XXXX where other people have been scammed as well. Thats how i found this website. That company needa to be shutdown immediately. I want my refund back! Also dont bother reaching out to customer service. You will get the run around from fake automated people who dont respond to your concern XXXX but ends the chat if you dont respond to them I asked multiple times about a refund and the chat team never once responded to that concern.