23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I moved to US in XX/XX/XXXX under XXXX. I have secured credit card with WF, XXXX branch, XXXX XXXX. I applied for unsecured Credit card in XX/XX/XXXX and received a letter to submit copy of my SSN, which I did promptly. XX/XX/XXXX I received communication from XXXX citing that my credit card has been rejected because I am not a US resident. No one told me this when I applied at the branch. they pulled my hard credit. There is no where mentioned on WF site that they dont issue credit cards to NON US residents. Its pure discrimination. i have credit cards and from other banks and departmental stores. I maintain healthy credit profile and have invested from my own resources in US in past one year. I dont have any problem on rejection from WF but the discriminatory attitude from the bank. Now i have closed my secured credit card account for XXXX USD with WF and they dont want to return my money for 60 days. i have no out standings in my account. I have written at the highest level but same replies.
Product: Credit card or prepaid card

Since the beginning of XXXX I have been collecting unemployment through the EDD.  Every time I go to withdraw money my account is locked or restricted. When this happens I have to call customer service to have it unlocked. It almost feels like I have to ask permission to access my funds every time I need access to them. XXXX, XX/XX/2020 at XXXX XXXX., I tried making a withdrawal of {$300.00} from this account only to find that it is restricted again. I got in contact with customer service where the first CSR who spoke with me. She mentioned that there is no reason why my card should be locked or restricted and transferred me to the fraud department. While giving my information to this department they transferred me unexpectedly in the middle of a sentence to a department that is not open and was disconnected from the phone call. I called back and was told by a second CS are that there is no reason why my account should be locked. The debit card I have is new and hasn't been used and this is the first time I am using this card. They then connected me to the fraud department again where they said they can not do anything and I must call the closed Department that I was originally transferred to where the phone call disconnected tomorrow morning at XXXX XXXX. eastern standard time. I need access to these funds because of an emergency and have to take someone to the hospital. If this person dies because of this reason it's going to destroy me. What they are doing is unfair, unprofessional, and I'm pretty sure its illegal. I called back a third time where a third CSR told me there is no reason why my account should be locked and I should have all access to my funds. He then said that there is nothing that they can do on their side and transferred me to fraud again where the person I spoke with did not say anything or do anything and hung up on me. At no point did I use profanity or slander the individuals I spoke to but I did profess that I was upset with this situation. I even told them that this is an emergency and need access to my funds. Even my online account can not be accessed and they won't tell me why. I am in fear for this person who needs a doctor and I am extremely upset that the banking system feels they have the right to do this to me. I would like to press charges to the fullest extent of the law to make sure that this banking institution doesn't do this to another person again.
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 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 XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX. 

15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2. States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C. ( A ) ( 5 ) 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 conviction of crime 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 the information is inaccurate.
Product: Mortgage

In XXXX our mortgage became late now XXXX and XXXX different agencies later I 'm still making the same mortgage payment and the company I make it to is not listed on my credit report but the original company is but it shows the account as a charge off. I need help.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX reporting my credit without written consent as well as my social number being locked. 
XXXX account that's paid and closed still reporting my credit. 
TransUnion reporting my credit without written consent. 
XXXX reporting my credit without written consent. 

All these are violations under consumer law. 

All these companies operate under the Security Exchange Act In which I've only received inquiries, not credit.
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. 

Account name : # 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 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 reporting, credit repair services, or other personal consumer reports

I have requested that all Dispute remarks be removed from all accounts on my Experian, XXXX, and XXXX  reporst. The remarks need to be removed before I can close on my home loan. 

I was told by a Mortgage Company to dispute the issues that were in collection and then now being told by the another company that all dispute remarks have to be removed. I called each company and so far the remarks remain on my report.
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 Sec 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 an account without my written instructions. 

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

I recently pulled my credit report from XXXX on XX/XX/2024 and I also got a notification a new collection is reporting on my credit report. My credit needs to represent the truth according to FCRA the credit report agencies are responsible for making sure its 100 % ACCURATE, VERIFIABLE AND COMPLETE. Jefferson Capital System LLC flagged my profile deemed a negative item reporting as being late or past due. I see its a FDCPA violation to report a collection with a past due balance and I also seen on the Illinois Secretary of State theyre not licensed and bonded to collect on a debt in Illinois . They also so re-ages the debt as a new account with its inaccurate which violates FCRA regulations that this account is in fact inaccurate. The original creditor charge this account off and wrote it off as a bad debt I check with the IRS and will be sending in proof of this for this complaint. I need to see where I have proof you send me a contract barring my write signature that I owe this alleged debt to you. I need all the business transactions leading up to me owning this debt to Jefferson capital system LLC. I feel like they trying to coerce a payment out of me I need to see how all documents validating this debt not verification.
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 Consumer 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 seek appropriate redress. ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer 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 seek appropriate redress for these violations. 
I want the CFPB to publish this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached below is one account ending in XXXX that was left with a zero balance and was not being used. The bank was contacted In XXXX and not notated of my request to close the account by the representative. I received threatening calls on the behalf of a representative demanding to close the account due to non activity. I agreed that it would be best and asked if my number could be removed from their list for future call. This account remained opened and fraudulent charges was assessed to this account for years including late fees and etc. No notice or documents were ever sent to me regarding their error. After reviewing my chex system report and proceeding to bank else where. I observed and was informed that this negative and fraudulent information reported was the cause of me not being successful in opening an account with other buisness. I am requesting for this account to be removed permanently from my chex system report immediately or there will be further legal action. Attached are emails with was used to open this account proving that I had a XXXX  balance throughout the entire time of this account. This account was left opened for fraud and data breaches for the banks gain. I have already been a victim of identity fraud, have reported it, added a security alert with all credit bureauas, chex system and have done a identity report. My information was compromised and found in over 9 data breaches. I currently have a data breach settlement with XXXX  for XXXX and XXXX and also with FEMA. For banking information, passwords, email addresses, job information, debit card information, social security numbers and other names used to obtain credit without my consent. XXXX XXXX XXXX is also another listed fraud account ending in XXXX.
Product: Debt collection

Procollect never provided the following documents : 1.procollect did not provide documents that they own this account. 2.they did not provide proof that they have the right to collect this debt in my state. 3.proof that procollect carries a bond. 4.proof on how they assessed the outstanding debt. 5.payment history from the original creditor. 6.copy of contract bearing my authentic signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Accounts XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST Dear Sr : Re : Name : Address : Account # : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED.

ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT.

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt.

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.

the ___ ___________________________
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 States I have the right to privacy ( 15 USC 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish an account without written instructions. 15USC 1666 ( b ) a creditor may not treat a payment on an account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified the following inaccuracies : -- XXXX XXXXTransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Using XXXX letters I disputed a collection with XXXX to a XXXX balance. It was removed and placed back onto my report unfairly. The credit breaus denying the removal but I have proof in a screenshot.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A FRAUDULENT ACCOUNT LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THIS ACCOUNT. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THIS COMPANY.
Product: Checking or savings account

I am writing to report a significant issue that occurred with a cash deposit I attempted on XX/XX/year>. On that date, I deposited approximately {$2500.00} in cash into an ATM at your branch. However, the machine malfunctioned and showed an error message, indicating that the transaction had not been processed. Despite my deposit, none of the cash was credited to my account. 

This issue is causing considerable inconvenience and distress for me, as I have urgent financial obligations, including home rent and other bills, that are now at risk of being unpaid. I was informed that resolving this problem could take up to XXXX business days while the ATM undergoes an audit. This extended timeframe is particularly troubling, as it significantly disrupts my financial planning. 

Given that cash deposits should be available for immediate use, I find this situation unacceptable. At the very least, I believe I should receive a partial credit to my account while the investigation is ongoing. The protracted process and lack of immediate resolution feel both unfair and unreasonable. 

This experience has raised concerns about the reliability of banking services and the potential impact on customers ' time and finances. I urge you to address this matter urgently and provide a provisional solution to alleviate the financial strain caused by this error.
Product: Debt collection

Received robotic phone call message regarding a civil lawsuit being issued and papers to be served at employment address or home if I did not respond within 12 hours of receiving the message. Did not leave a company name or creditor name only that I had some time to call them back and make payment arrangements. Mainly threats about litigation and jail time even though they say 'civil ' at the beginning of the message. I called the number, a woman said they were " XXXX XXXX ''. They buy OLD debt and this was supposedly a debt from 2009 from a XXXX XXXX loan paid to XXXX XXXX Bank. She tried to be very friendly and said wow this is a really old account. I asked her for confirmation of the debt and she said, this was the XXXX level of collection and I had been sent information many times regarding this debt. She said, I see you are on social security which is not true nor have I had a bank account at XXXX XXXX XXXX. She said I needed to make a statement and she needed to record it. I told her no, she needed to confirm her true identity as a collection agency with her license and send me written proof of what she was trying to collect. She said I had already received that so I said then you are not legitimate with the FTC and I am not sending you any money or making a statement. The phone numbers used are XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

This is the 3rd time I have disputed a serious error with XXXX XXXX # XXXX over a lease agreement that was satisfied and completed before the said date yet was WRITTEN OFF AND STILL reporting as late payments over a year later even though the account was PAID IN FULL and CLOSED it is not accurate. I have spoken to a financial manager and requested several times for the account to be updated properly with no response. I have no other resolution but to exercise my right to a lawsuit, I am looking to avoid this action if it can be fixed today as soon as this is complaint has reached the credit bureaus. I still have issues with a fraudulent account showing from XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX  # XXXX. 
i HAVE FILE A REPORT AND AM WAITING FOR A UPDATE!
Product: Checking or savings account

My sister open navy federal without my knowledge nor consent I called navy federal they closed the account out said it was overdrawn but written off for XXXXXXXX XXXX XXXX  explain my situation being victim of identity theft they gave me a new account well my XXXX XXXX  sister went over the limit on my credit card they remove some charges no problem but she called in XX/XX/year> change all my info to my account got me locked out I dont not want her to steal anything from me I have called this company with no help I am the victim I have submitted proof of everything
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section XXXX ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX and XXXX to do a thorough investigation of this account and provide proof. Both credit bureaus have failed to do so. I have found numerous inaccuracies with this account and they are both reporting different information. It is the same account so the information should match up. I have attached proof of the inaccuracies and I am requesting for this to be deleted.