23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I sent a friend {$7.00} that I owned her for purchasing a gift on my behalf. Later on XX/XX/XXXX, I sent my husband {$500.00}. Cash App just randomly closed my account with NO valid reason whatsoever! When I reached out to support, all I got was the same useless blanket statement : Your account violated terms and conditions. They refuse to give me ANY specific reason. Their support team is an ABSOLUTE jokewhether you contact them through chat or phone, its the same robotic nonsense. Instead of giving me a straightforward answer, they just send the entire Terms of Service and expect me to figure out what some clueless person or chat bot at Cash App thinks was a violation. This is beyond frustrating! My account has not violated any termsI use Cash App to receive money from my husband and to pay friends. They clearly dont care about their customers or offering any real help. The lack of transparency and customer service is unbelievable.
Product: Credit reporting or other personal consumer reports

Over 11 hard inquiries on my credit report that I did not make : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 Capital one auto finance XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have made a full report on identity theft. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In late 2021 I noticed that Portfolio Recovery Associates was appearing on my credit report as a debtor however I did not recognize this company. Upon submitting a dispute they advised that they were acting on behalf of another company that I previously did business with.
Product: Checking or savings account

Hello, my name is XXXX XXXX. 
I received a settlement and deposited the two checks from the settlement in my checking account. Was told that only 1 would be held for verification because it was {$5000.00}. The other was under that amount. Both checks were held. Also it shut my account down, debit card was deactivated and I could even Use the funds that was already in my account. The customer service representative are very rude and immediately told me the checks were fraud and I was going to have to pay it back When the checks weren't even cleared yet. They were still being processed. It was only 2 days of me depositing the checks. They are u professional, have no clue what to say or do when you call for help. 
Immediately the day after my account has been placed on hold with no resolution, no one can help elaborate on why my account is frozen and they told me they don't have to tell me why I can't access MY own money I deposited. 
Then I opened up a business account, never used my social security number only my business name, and this institution attached the business to my social security number when I never given them my social. Only my EIN number. So when i called to discuss why my personal account was on hold, the representative proceeds to discuss my business account. Which shouldn't even be attached to my social at all. Nor my name. Its a business account I also keep getting these overdraft fees with fees attached to to the overdraft fees. I haven't even used my business account for anything so how could i receive overdraft fees. 3 of them + 3 fees of {$30.00} for having 3 overdraft fees. My account is now - {$250.00} all for fees associated with my account
Product: Debt collection

During the return, I provided the dealership with both sets of keys, and the appropriate paperwork was processed to confirm this. To my shock and disappointment, I was later charged an unwarranted fee of {$790.00} by Ally Financial due to an incorrect claim that only one key was returned.

I quickly acted to reverse this mistake by Ally, reaching out dozens of times, speaking with various managers, and even opening a formal claim to have this unfair charge removed. Despite my many efforts, this issue went unresolved and the claim went unclosed. 
Later, with no communication or response from Ally regarding the claim, I received a letter from a collections agency for the balance of {$790.00}. In the interest of preserving my financial standing and anticipating a resolution from Ally, I decided to settle the {$790.00} charge, even though I firmly believe I did not owe this amount. All of this was done to avoid damage to my credit score which was unfairly impacted and damaged by Ally Financial and their careless practices and lack of disregard for their customer 's outcomes.
Product: Credit reporting or other personal consumer reports

Today I discovered an inquiry on my Experian credit report from XXXX XXXX XXXXXXXX 
I was unable to determine whether this was a hard inquiry or a soft inquiry. 
If it was a soft inquiry, I suppose my issue is with Experian for not making that clear.. 
But, if this was a hard inquiry, XXXX has violated my privacy. 
I once had a credit card with XXXX but it was closed years ago.
Product: Checking or savings account

For the past 5 years, I believe that I have experienced ( and have evidence of ) organized deceit regarding my account with Bank of America. I believe that this is a direct result of technology fraud or incompetence. Bank of America has automatically opened an unauthorized account, created unauthorized charges/fees, closes the account, does this again and again, and then repeatedly and continually misdirects me ( a customer ) to hide that this is going on. As one of the successor trustees of a trust set up with Bank of America and supplying them all required documents, I am unable to get the required financial information from them that will allow me to manage my money. Can anyone help me get the financial information on our own money without having to take them to court?
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV is reporting a debt as a factoring company and Ive disputed this debt but have not gotten anything proving I owe this debt thru the bureaus or the company. Ive been contacted by another company a while back saying they owned the debt. Cant get anyone to remove it. Now LVNV is saying they opened and account for me on XX/XX/20 on the credit report.
Product: Debt collection

When i checked my credit as i often do, i saw that Jefferson Capital placed a {$10000.00} and {$1300.00} collection on all 3 of my credit reports which is false and untrue. When i contacted Jefferson Capital demanding they provide me with documentation validating this debt pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, they refused to comply within 45 days. Lastly Jefferson Capital has not validated any contract that i consented or agreed to with their company. Jefferson Capital has violated my credit and reputation, i am demanding collections be investigated, removed and communication be ceased from all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to Experian on XX/XX/2022 asking that they remove all of the incorrect and inaccurate addresses listed on my credit report because I am afraid that I'm susceptible to identity theft and fraud! They did NOT remove all of the incorrect addresses off of my credit report! According to the FCRA, my credit report must be 100 percent accurate and verifiable. And consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. I only have ONE address, but Experian has kept all other incorrect and inaccurate addresses on my report after I already asked them to remove them! I even verified my address by sending them a copy of my license and verifiable utility bill! Experian is in TOTAL violation of my rights to accurate credit reporting!
Product: Credit reporting or other personal consumer reports

Experian credit agency violated my rights as described in U.S.C 1681 ( a ) & ( b ), by sharing information without my written consent or permission. Information was sent to XXXXXXXX XXXX, which was then shared with XXXX 's club, and as a result I was denied a line of credit. In addition shared information with XXXX XXXX XXXX, which caused my line of credit with that company to be reduced from XXXX XXXX dollars to XXXX XXXX dollars.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance Owed : {$28000.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/scrub>XXXX  Balance Owed : {$29000.00} Charged off
Product: Debt collection

this is the third time NCA has received a debt I no longer owe to collect. this is ridiculous, and has to stop. they are referencing NCA account # XXXX I have called them and they hung up on me.The debt was included in my discharged bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my Credit Report that does not belong to me. Please assist me in getting these accounts removed from my credit file : XXXX/XXXX - Bal : {$470.00} XXXX XXXX - Bal : {$4200.00} XXXX XXXX - Bal : {$0.00} Incorrect Address : XXXX XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX There are also incorrect late status reporting on my credit report. I was never late on the following accounts : XXXX/XXXX  - Bal ; {$470.00} XXXX XXXX - {$0.00} XXXX/XXXX - {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On    XXXX   XXXX   XXXX    and in   XXXX   XXXX   I notified  Capital One  that the balance they were/are reporting for account is incorrect.      Capital One fil ed a  XXXX  notice with the IRS in  XXXX  declaring {$700.00} of that account was cancelled. As required by law, I declared that amount as income on my  XXXX  tax return.     Therefore, the balance being reported should only be {$440.00}. Not the {$1100.00} that  Capital One  is reporting to the credit bureaus, and also being over credit limit.     I submitted a fair and reasonable offer to settle this account. This was based on the corrected amount and also  Capital Ones  various FCRA violations in the handling of this account.     They have failed to respond to the notification of the incorrect balance being reported, or to the settlement offer.
Product: Checking or savings account

On XX/XX/23, I was notified by bank that they were closing my account. After a couple of weeks, I was told that there was a fraudulent wire sent to my account. I was told that the wire was to be returned and the balance of the funds would be sent to me. I have called dozens of times and visited my local branch several times. No one will provide me with any information regarding the release of my funds. It has been XXXX and half months and my money has not been sent to me.
Product: Credit reporting or other personal consumer reports

I applied for an apartment and was denied based on a previous rental report. The company ( XXXX XXXX ) advised me to dispute the information if I thought it was correct. I submitted a dispute with the documentation including previous lease and a number of amount ledgers that showed different amounts as well as the original date of the original move out. I recieved a notice from Nation Credit Systems stating my dispute was denied. I contacted Natiional Credit Systems and spoke with XXXX XXXX. XXXX XXXX informed me they work directly for the agency and a final ledger showed a balance. I did inqquire about the documentation of proof I submitted and was told that was between me and the party I disputed the information to, I explained that isn't fair I turned in all documentation as requested and asked XXXX XXXX for proof on her half she told me the final ledger is all the information needed. The agency can not provide me with any verfication of the final amount besides a ledger and a note stating I was evicted. I have everything the lease that showed a deposit that a renewal all signed by then the current manager. She was rude and asked why did I move if I wasnt evicted asked me why I couldnt afford my rent... It was very unprofessional. I did my part by submiting the dispute threw the rental company and provided documentation and was told thats between me and that company. This is over 7 years old I have been figting with this too long and they refuse to provide me proof of debt besides a ledger they pulled from I dont know where.
Product: Money transfer, virtual currency, or money service

Good day. I am a US permanent resident currently visiting my home country. The I have been using PayPals services for XXXX years as a US permanent resident and on XXXX XXXX, I encountered the following issue : XXXX $ was sent to me from my home country through a family members paypal account. Immediately it entered, my account was limited. They asked for my ID and the next day, my account was permanently banned with my funds held for XXXX months. The erroneous reason given was that I was too young or my account is opened in a country I was not resident in. I am definitely over XXXX and I am a US permanent resident but still have a foreign passport and I am currently visiting my home country but maintain US bank accounts, taxes, house address. I have other documents proving my residence but it didnt ask for those. Please help me recover my account and release my money because I really need it. Thank you.
Product: Debt collection

XX/XX/XXXX, I submitted a dispute to the credit bureaus, also a letter to the company, IC SYSTEM, about the three collections accounts it is reporting on my credit file. {$640.00}, {$240.00}, and {$240.00}. Instead of deleting these items which are reporting that I did not have an account or agreement to pay IC SYSTEM, they continue to report it. My report now says " affected by natural disaster. '' But I never said that, what I said was that reporting it is a violation of HIPPA laws. The original creditor listed as " XXXX XXXX XXXX XXXX ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit reports that there is a collection on it that does not belong to me as a result of fraud or identity theft. XXXX, XXXX account number : XXXX is the collection agency. They are reporting that I owe XXXX dollars. The credit reporting agency XXXX is allowing the fraudulent information to be reported after I have contacted them and verified that I do not have or never had an account with XXXX, XXXX. It is illegal to report inaccurate information. The account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX Balance : {$2300.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : $ XXXXXXXX XXXX  ( Original Creditor : 01 XXXX XXXX ) XXXX Balance : {$2300.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

Updating my previous complaint XXXX with American Express. 

I had left out a couple important details. 

1. American Express did not increase my interest rate until XX/XX/2018 however, these XXXX 's backed-dated the higher interest increase to my XX/XX/2018 statement. Trying to squeeze out every extra dollar they can. 

2. American Express also claimed my interest rate was increased due to a large returned payment in XX/XX/2018. This returned payment was part of a fraud claim I reported. In other words, that payment was not by me or from any of my accounts and AMEX own investigation came to the same conclusion as all charges and fees where credited back to me,.
Product: Credit reporting or other personal consumer reports

Accounts I didnt authorize are appearing on my report ; block and resolve these fraudulent items.
Product: Student loan

I have been impacted by covid pandemic. We are unemployed both myself and my husband with no income. We barely have anything to pay home, utilities and food. The company was reached several times. They refused to give me forbearance or deferred on account of a pandemic. This is inconceivable.They are forcing me into making monthly payment with income that I do not have,. I wanted to request deferred for year until things get better hopefully by then I can resume my payments as described. They will force me into income then change the monthly as described in their forms.very deceptive .This is unethical and unjust when I am unemployed due to the covid pandemic. They found loopholes to say they dont fall under cares act. Claiming they are under banking ... This is contradiction, of which all banking institutions have given deferred on mortgages loans and credit cards. How do they justify these loopholes.
Product: Credit reporting

Experian keeps re-validating a charged off credit card debt since 2009 by allowing original creditor and the collectors it sold debt to renewing and changing the charged off date to be current instead of 2009. The debt is already past the statute of limitations and also the credit reporting time but credit bureau re validates it every year so it shows it just got charged off contrary to 2009.
Product: Debt collection

XXXX promised me a credit on this matter but instead sold it to a debt collector. I was paying for 2 months of services they did not provide ... faulty equipment.
Product: Credit reporting or other personal consumer reports

INVESTIGATE THE DISPUTED INFORMATION ON MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer report I am concerned about some information that has been reported, I believe that my consumer rights have been violated according to 15 U.S.C 1602 ( g ) there is no valid proof on the evidence of indebtedness with this credit transaction. 

15 U.S.C 1602 ( k ) I was not provided an adequate notice that clearly showed I owed this debt, and because of this, I made an uninformed decision by a computerized agreement. 
15 U.S.C 1602 ( p ) unauthorized use because I did not benefit from this transaction. 
According to 15 U.S.C 1681s-2 ( a ) on ( XX/XX/XXXX ) this company then closed the account and furnished an account on my consumer report without my consent. 

15 U.S.C 6802 Gramm-Leach-Bliley : 15 U.S.C 6802 ( a ) ( a ) Notice : This company directly disclosed my personal information to multiple nonaffiliated third parties, and did not provide me with a notice that complies with section 6803 of this title. This company did not have my verbal consent to use and share my information with other nonaffiliated institutions, which by law is a violation of identity theft. 
15 U.S.C 6802 ( d ) This company disclosed five late payments to nonaffiliated third parties which still reflects on my consumer reports. 
15 U.S.C 6802 ( b ) Opt-Out This company actively disclosed my nonpublic personal information to nonaffiliated third parties which such financial institutions did not clearly and conspicuously disclose this information to me, in writing or in electronic form under section 6804 of this title, that such information may be disclosed to such third party ; This company has never given me the opportunity, to initially disclose this information, and refuse that such information shall not be disclosed to such third party ; and that I am given an explanation of how the I can exercise the nondisclosure option. 
I have never received an opt-out explanation from this company for the duration of my extension of credit. ( XX/XX/XXXX ) - ( XX/XX/XXXX ) After this company closed my account on ( XX/XX/XXXX ) the company customer representative explained that I would have to reapply for my right to extend credit, I then applied for my right to extend credit and was denied 9 times over the course of the year XXXX - XXXX. Which makes this company liable to 15 USC 1681 ( a ) ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently notice on my Experian credit report that I have inquiries that was not authorized by me.
Product: Debt collection

on XX/XX/2021 I reached out to XXXX, Transunion, XXXX because I noticed some inaccurate information being reported on my consumer report. The amount owed is different with each account. I also instructed them to do a reasonable investigation to verify the accounts. They responded to me stating that the accounts have been verified. Yet it is still reporting inaccurate information. I requested their method of verification to confirm the accounts in never received anything back. Now I asking them to just delete the accounts because they have failed to provide adequate proof of the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased my home on XXXX XXXX is my first home, and I have been struggling to understand this bank and my payment status. I am not clear on why my mortgage payments are reporting late on my credit report. I have contacted the Bank OZK mortgage department numerus times, and were told that my payments were current, but when I receive the statements in the mail its always show a balance, a pass due balance. In the beginning of my loan issues, I was talking with XXXX XXXX ( Mortgage Loan Originator ) He was very helpful in the beginning and he made it clear that it was an error on their part, and for me not to worry, they will correct it .I am sad to say no correction is made till this day. I have not spoken to XXXX since, he will not return my calls, so I was transferred to someone by the name of XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXXXXXX ) she was pleasant to talk to but doesn't have a clue of what's going on. It's so frustrating. I am working two jobs and it is hard for me to keep calling this bank to inquire about this matter. My credit report is showing eight 30 day late, which is not true. Something is wrong, and it's not fair to me. I can not refinance because of this false information, and no one is trying to correct it. It is a nightmare to me and I will like to wake up.