23daVinci/CFPB_Complaints huggingface dataset:
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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$310.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$590.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$250.00} UNAUTHORIZED INQUIRIES : CXXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to you as a victim of identity theft regarding the fraudulent accounts that continue to appear on my credit report. Despite numerous disputes filed by me, along with reports submitted to various authorities including the FTC, the Office of the Controller of Currency, the police, and the FBI, these accounts persist on my credit report. 

I recently obtained undeniable evidence, including the perpetrator 's identification and social security card, proving their responsibility for the identity theft and the opening of these fraudulent accounts in my name. With this concrete evidence in hand, I demand the immediate removal of these accounts from my credit report. 

XXXX account number XXXX I want to emphasize that I have exhausted all available channels to resolve this matter amicably. However, the persistence of these fraudulent accounts on my credit report is not only damaging to my financial reputation but also a violation of my rights. Failure to comply with this demand will leave me no choice but to pursue legal action against your company for knowingly reporting inaccurate and fraudulent information. 

I urge you to take prompt and decisive action to rectify this situation. Your cooperation in this matter is crucial to restoring my financial integrity and protecting my rights as a consumer. I expect a written confirmation of the removal of these accounts from my credit report
Product: Vehicle loan or lease

On XXXX XXXX XXXX Wells Fargo Dealer Services illegally repossessed my XXXX XXXX XXXX. I suspected inaccurate Accounting practices in XXXX, and on XX/XX/XXXX, I reached out to the Corporate office via fax to manager XXXXXXXX XXXX  attention to highlight the following : - I raised an issue Wells Fargo was later fined billions of dollars for BEFORE it happened. 

- 12 car payments in XXXX were not applied to my account at all or promptly despite making all payments in Wells Fargo Branches. 

- Poor record keeping by WFDS was systemic ; for example, a statement dated XXXX XXXX XXXX incorrectly required me to pay on XX/XX/XXXX! Was the payment I remitted recorded as made in XXXX of XXXX, causing me to " miss '' the XXXX payment? 

- WFDS blocked me from contacting their call center after this incident. Wells Fargo continues to " gaslight '' me by saying XXXX XXXX " spreadsheet '' from XXXX is accurate despite my faxing concrete evidence and a Spreadsheet not being the official ledger.
Product: Debt or credit management

XX/XX/XXXX National Debt Relief : Joined XXXX in XX/XX/XXXX, Received a verbal settlement offer from XXXX for {$12000.00} in XXXX for {$30000.00} personal loan with XXXX XXXX. Beginning XX/XX/XXXX spanning six weeks {$4100.00} dollars was deducted from the XXXX account related to fees, more fees were scheduled to follow the next 8 months, ( XXXX plus monthly to XXXX ). The savings I accumulated for six months was withdrawn by XXXX, this was not explained to me during my initial sign up. I did not know the fees would be upfront. I have decided to settle my own debts, my account has been cancelled. I would like some of the fees associated with this unsettled debt returned to the XXXX account.
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 NumberXXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a 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 card or prepaid card

I responded to an ad on pages in my profile of XXXX XXXX offering XXXX  miles after opening a new account and spending a certain amount. 

I was approved, met the qualifications but did not get the miles ; and, when I called about it, I was told that I was not eligible since I had had a mileage credit card less than 2 years ago. 

I pointed out : The ad was on my profile pages of XXXX. 
There was no mention of this requirement in any of the pages of the offer on the website- I have printed and kept every page. 
I was not told when my application was accepted that I was not eligible for the mileage offer. 
I was not told I was not eligible for the miles in the literature I got with the card. 

I believe this is false advertising I told them on the phone and they said they would investigate. I got a letter in the mail restating that I was not eligible. I sent them a return letter on XX/XX/XXXX ( attached ) restating why I thought their advertising was misleading and that they should award me the XXXX  miles. 

No response
Product: Debt collection

Debt has been paid. No need to continue contacting me. I am getting calls at all hours of the day. Today, it was XXXX AM. Yes, I have an XXXX  coast number, but they have an XXXX  address on file for me ( though the incorrect one ), so they are aware I live in a different time zone. No voicemails are left. No response to my email to them last week. Emailed again today explicitly stating to cease all forms of contact to me.
Product: Checking or savings account

I called PNC Bank and spoke with XXXX XXXX ( XXXX ), and I asked for her supervisor several times during the conversation. She said that she needed additional information from me. After displaying her carefree attitude, I told her that I would like to speak to a supervisor to address my concerns. I initially asked to fax in a copy of my Power Attorney for my son ( XXXX XXXX ). I explained to her that I wanted to pay the fees on his account because the account was closed, and he had a severe XXXX XXXX XXXX. She was very dismissive. She said her supervisor was in a meeting. No other supervisor was avaialbe. I even asked to speak to her Supervisor, Supervisor and she told me that they were not available. 

I have a doctor 's appointment today at XXXX, but as soon as I get a chance, I will close my account and take all of my money out of their bank.
Product: Student loan

Hello, I am reaching out to CFPB regarding a signature loan with Navient XXXX XXXX. I have tried several times to inform them that the amount they are requesting me to pay monthly is unreasonable. The company has provided an interest only payment option as of XX/XX/XXXX for me to pay which is of no benefit to the loan. The option keeps them from calling me, which a representative informed me can be eight times a day. This form of harassment is asinine and should not be a business practice for a federal loan provider. I obtained this loan back in XXXX for a University that I did not graduate from and have been stuck with this burden ever since. When I was a minimum wage worker and not pursuing a college education, to keep navient from consuming 90 % of my income, I was forced to use the forbearance option as my only solution. Today, they want me to pay on the interest of the loan and when I can't afford that, they harrass me and my family with robo calls. The state of Georgia allow debt collection to begin at XXXX XXXX, the current time is XXXX, Navient has called me three times from three different numbers while I am at work. How can this be fair to consumers who only wanted to get a college degree?
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give consent to these companies to review my credit profile for this reason! 

XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

Avant credit company issued a fraudulent card to someone in New Jersey using my name and social security number. This occurred on XX/XX/2022. I live in XXXX North Carolina. I received an email on XX/XX/2022 that this card was used in New Jersey. I immediately reached out to Avant to inform them that this was not me, I did not apply for this card. I was told they would remove this from my name. I then received an email on XX/XX/XXXX stating I have an outstanding balance of & XXXX, I called to be told I need to file an Identity theft victim complaint and affidavit, which I did and mailed to them. Approximately 30 days later I received a letter stating that it could not be excepted because it was not notarized our police report was not attached. I then as of XX/XX/XXXX resent the identity theft victim complaint and affidavit notarized via mail and email. I have called once a week and asked to speak to the fraud department, the supervisor, and was told it would take 48 hours to investigate and get back to me each time I will call. do this day this still remains on my credit and is a fact affecting my life, I was denied for a mortgage, had to pay an extra deposit for my apartment, was denied to refinance my car, all of this has occurred since XXXX. I want this removed from my credits I have provided all the proof they needed, my passport my drivers license and utility bill all showing my address and my name before I live I live in XXXX North Carolina. The credit card was applied for and sent to XXXX New Jersey, the address on the account is XXXX XXXX XXXX, XXXX XXXX, XXXX NJ.
Product: Checking or savings account

Text message to my XXXX XX/XX/2022 : " XXXX ( XXXX ) XXXX ; CITI : Your account has locked and requires verification, to restore access ... '' I haven't opened this text, and aside from the faulty XXXX syntax, I know this is fraudulent because I have no CITI accounts. Sorry I don't know how to forward unopened texts.
Product: Consumer Loan

I currently have a debt to Springleaf Financial. This issue has persisted for approx a year. This company will call me constantly, multiple times a day, on different telephone numbers, sometimes leave messages and sometimes not. They have called me at work when I have asked them not too. When they dont reach me they call my " reference '' list of individuals that they required i leave with them. These individuals include my children, family, friends, none of which have any responsibility towards this debt. I have asked for this to stop on many occasions and it persists. I realize this is my debt and I am making attempts to get it paid, but this is harassment of myself and others. I do n't know what else to do and found this information on the internet. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters on XX/XX/XXXX and have not received a response. I have been disputing this for months with no response. I feel as tho I'm being taken advantage of. I DEMAND these accounts be deleted from my credit report immediately! Also, UNITED COLLECTION BUREAU has not provided proper validation of these accounts! I attached what they sent and this is not validation of these accounts that they're reporting to XX/XX/XXXX They are supposed to send me a signed contract with my SIGNATURE! They're in violation! XX/XX/XXXX is in violation as well. Also United Collection Bureau is reporting different amounts on these accounts to XX/XX/XXXX and the letters they sent me say a TOTALLY DIFFERENT Amount! THIS IS A VIOLATION!!! Also, United Collection Bureau DID NOT send anything for 2 of the accounts. I never received anything for those. I have attached the letters and what is being reported to XX/XX/XXXX XX/XX/XXXXis supposed to make sure that what is being reported is ACCURATE! PLEASE REMOVE ALL ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting

I have disputed the information with the company more than once. They pass it off to the original company and let the original company do their own " investigation '' they always come back with everything is right. They could not prove the debt in court and lost the case and I have the court papers for no judgement plus in my credit report that I have desputed I stated that the supposed original company closed the account on XX/XX/2013 and that XXXX was opened in XX/XX/2013. That is fraudulent reporting! I have said this to equifax and XXXX. For them to not investigate and pass it off and not take it off my report and just keep allowing the company to keep reporting this false information is illegal. I have also reported this to the attorney general. This is not right, for a junk debt collector to be allowed to do such a thing and what is worse that equifax and XXXX allow it. The credit reporting companies do n't attempt to investigate what is reported to them.
Product: Credit card

Attached are documents for an investigation into accounts incorrectly labeling me as late in payments.
Product: Debt collection

HSBC and another party involved has called me, threatening to sue me, seize my property, contact my employer, garnish my wages, and put me in jail for a credit card that I had supposedly opened in XX/XX/XXXX and made a last payment inXX/XX/XXXX. I do not recall ever having this credit card, nor did I have any unpaid credit when my credit reports were ran when I recently bought a house. They said that in XX/XX/XXXX my balance was a little over {$700.00}. But now with interest my balance is now well over {$1000.00}. But if I pay them {$800.00} now, like right now, they will not proceed with legal action. They can not give me any or much information, and just kept asking me weird personal questions about my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Opened Loan with XXXX XXXX XXXX XXXX (XXXX)Original terms: $XXXX / month for 72 monthsXX/XX/XXXX - Involved in a car accident that resulted in the asset being totaled. The insurance company paid for the value of the car but still owed $XXXX. Called XXXX and was told the loan would be transferred to Lost Recovery with no option for negotiation. Was told negotiation would need to be handled there.Called Lost Recovery and stated that I would like to not miss any months of payment, and would like to continue paying the loan under the original terms until the balance was $XXXX. XXXX   agreed, was told that so long as I made the payments on time and in full, that the loan account status would not turn into a charge-off.XX/XX/XXXX - XX/XX/XXXX, continued to make payments of $XXXX (original monthly payment: $XXXX) until $XXXX  balance. Completed the final payment over the phone to XXXX Lost Recovery and was told that I would send a letter that my account was paid-in-full and in good standing and the results would be reported to the credit bureaus.XX/XX/XXXX: I never received said letter to my address and the credit bureaus reported a charge-off.Called XXXX onXX/XX/XXXX, at XXXX:XXXX  XXXX. Duration: 9min 56sec. Requested a reason the charge-off was reported when the original agreement was that it would not list as a charge-off so long as I paid the account on-time and in-full. The agent informed me that the bureaus were slow to update their information and they would put in a request to remove it.XX/XX/XXXX - Information was updated to correct info and account was in good standing.XX/XX/XXXX - Credit monitoring informs me that there was an update to my XXXX account. Shows the account is now OPEN with a balance of $XXXX. No affect to credit score, but now shows incorrect information. Dispute it with Experian on XX/XX/XXXX. Results recieved on XX/XX/XXXX now show that XXXX reported it now as a charge-off, closed and amount written off $XXXX. Again, the wrong information.Called XXXX  on XX/XX/XXXX at XXXX:XXXX XXXX. Duration: 21 minutes, 3 seconds. Requested a letter on the status of the account. Was told again that the bureaus are slow to update their information and it could be up to 60 days for them to update my reports.The neighbor in my complex contacted management that they received someone else's mail on XX/XX/XXXX. Management contacted me as my name is on file. XXXX put unit "XXXX" in both the street number and unit. On my portal, my correct address was listed with the correct address. XXXX Lost Recovery sent MY sensitive credit information to the wrong address. The letter could have very well never reached me if my apartment management wasn't able to handle this situation.Called XXXX  on XX/XX/XXXX at XXXX:XXXX XXXX. Duration: 8 minutes, 36 seconds. Was told that I could not speak with Lost Recovery as they were closed that day (Sunday).Dispute with Experian on XX/XX/XXXX. Upload letter, but Experian states that the information was already updated and I would need to consult with the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I joined Experian to run a credit report for all XXXX bureaus. The report clearly shows that I do not have any delinquent accounts or late payments reported to any of the XXXX bureaus, however, Experian and XXXX both show that the reasons for 'harming my score ' with them are for 'Serious Delinquency ' and 'Late Payments. ' XXXX even states that I had a serious late payment XXXX year and XXXX month ago, however, they could not tell me which account it was. 

There is the problem. I contacted both companies and they couldn't help me since I could not give them an account number for which I am having the delinquencies. I don't have any delinquent accounts yet my credit scores are being punished by those XXXX bureaus. 

I have attached the XXXX reports and a screenshot.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on enclosed with this letter. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Please send the following information used to verify the validity The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

Sincerely, XXXX XXXX
Product: Credit card

This is not a complaint about any particular credit card company, although my recent experience is with Capital One. It is exceedingly unfair that while credit card charges are applied to my account instantaneously, credits or refunds take several days, sometimes longer. It seems that the delay has been normalized and institutionalized by the banking industry and Regulatory appears to not consider it important. 
There is no justifiable reason that a credit or refund can not return money to an account as quickly as a charge takes it. There should be a class-action level response to ending this money grab by the banking industry. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation: address and name not mine
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX

FCRA Violation: credit card never late
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: auto loan not mine
XXXX XXXX XXXX

FCRA Violation: collection not mine
XXXX XXXX XXXX
XXXX
XXXX XXXX
XXXX

FCRA  Violation: hard enquiries not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 Customer 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 see appropriate redress for these violations.