23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EXPERIAN NEEDS AUTHORIZATION TO PROCEED, THEN I GRANT EXPERIAN MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX to conduct a fraud investigation for a loan that was taken out in my name. In XXXX, I submitted their identify theft packet that included police reports, witness statements, signature samples and notarized documents to obtain financial records from my school and any other party deemed necessary. A through investigation wasnt completed on my behalf. They didnt request documents from the school in a timely fashion to verify how my schooling was funded. They failed to do a forensics investigation for signature comparisons and admitted they are not trained to do so. The rep handling the cases said although they looked similar he didnt believe it was my signature. 

They then began to question me as to why I didnt peruse this sooner, then wanted me to have the person who committed the crime to confess instead of doing the work on their end. This wasnt properly handled and Im being punished for something I didnt do or have knowledge of. The reason I believe they are unwilling to help is because the person that committed the crime is my mother. When I called to get an reason for the investigation to be closed, but they are unwilling to get the necessary document and information to complete the investigation without me sitting on the phone with them for hours to do so. That was the only reason I go answers about my school financial records.
Product: Debt collection

In 2018 I was a victim of identity theft and this collection account that was originally XXXX now under Jefferson Capital Systems in the Amount of {$5700.00} has been reported to my account and after multiple failed disputes still shows up under my name under collections. I have filed a police report when everything happened which was a lot for me to take in and I have received multiple calls harassing me about this amount and been told to pay this or else I am going to be sued and dragged through court. This has ruined my credit for years and I dont know how else to fix this when this was identity theft and hoping I can get help here.
Product: Debt collection

On XX/XX/2023, company ( Iq Data International ) reported a outstanding balance of {$840.00}. Upon speaking with management, I now have a {$0.00} balance. I have documentation and a letter from management stating I have a XXXX balance.
Product: Debt collection

I received a letter from a company saying that I own money on a credit card that was never mine -
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 19 hard inquiries from XXXX, XXXX XXXX  that I dont recognize and its hurting my score please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account number XXXX XXXX XXXX XXXX opened XX/XX/2022 amount of {$1400.00} has violated my rights. 
I am not responsible for such debt. I have verification from original creditor XXXX XXXX that I owe {$0.00} debt. Please remove this debt and the incorrect information immediately. 

Statue 15 U.S.C 1681 section 602A states I have a right to privacy.

Statue 15 U.S.C 1681 section 604A states a consumer reporting agency can not furnish a account without written instructions from the consumer. 

I am this consumer and I do not give permission to furnish information on my report at this time.
Product: Student loan

We paid {$10000.00} in  XXXX  on Student Loan managed through Aspire. Aspire is reporting us 90 days past due but our credit report for  XX/XX/XXXX  as well as  XX/XX/XXXX  shows the student loan status as current. This 90 day delinquency has resulted in a   XXXX   point drop in credit score. Upon seeing this on the report, I made payments to bring the account current and sent in an auto-pay authorization form to prevent future late payments. I contacted Aspire to ask them to rectify this inaccurate reporting of my account standing as my credit score has been significantly diminished. But they have refused to remove the lates from my report. I have had impeccable payment history on this account as well as my credit card accounts for many years.
Product: Credit card or prepaid card

I hold a credit card with Wells Fargo Bank. I reviewed the statement, considering using it during the Corona economic disruption. I discovered the interest rate is more than 22 %. In Florida usury rate is 18 %. Today ( XX/XX/XXXX ) I called the credit card unit at XXXX ( I had previously submitted an online request and didn't hear back ( possibly XX/XX/XXXX or XX/XX/XXXX ) and asked them to decrease the interest rate - especially since interest rates are so low. 

The representative offered me a 'payment plan '. This was quite silly because I didn't say I had any problem paying, I just had an issue with the interest rate being usurious. 

The representative reiterated that no adjustments were being made in interest rate, but I could do a balance transfer with a 4 percent fee on the balance transferred for a 2.9 % 12 mos period. Again, that didn't address the issue of the overall rate being so high and usurious.

It seems Wells Fargo continues to ignore Consumer protection legislation. Very sad.
Product: Checking or savings account

I recently opened a business checking account with Chase Bank for my XXXX XXXX small business. The first check I deposited was for {$3700.00}, on or around XX/XX/2023, which was payment from my first client. Chase proceeded to put a " Fraud Hold '' on the account while they verified and processed the check, locking me out of access to the account and only providing a hotline phone number. After calling the Fraud Department I was told that Chase has to contact the issuer ( " Maker '' ) of the check to verify that I, their client, have not committed fraud. To satisfy this verification process Chase told me that the Maker would have to provide a verified phone number that they can contact. 

I found this very odd because I have worked in financial crime investigations for 6 years and am certified by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and have never heard of a financial institution contacting a non-client for investigations. If fraud is suspected a XXXX is filed and if a certain threshold of risk is crossed the account is closed, but the funds are returned to the client unless there is law enforcement intervention, or a civil hold has been placed. 

Through further discussions with managers in Chase 's Fraud Department I found out that they use a third-party screening tool, XXXX, to verify business contact details. The manager also notified me that the business from which I received the payment from did not have a verified number in the system and he was unsure of the process to add any information to the profile since it is a third-party tool. This began a series of circular conversations where they say they need a verified number, I ask how that would be possible since none exist in their system to confirm with, and they say it is not possible to add one. After one of these particular frustrating conversations the manager admitted that there is no way to reverse the suspension without following this procedure and that my funds will remain in Chase 's custody until the account is deemed dormant. 

I have begged them to just send the funds back to the Maker 's bank, XXXX XXXX XXXX if they view me as a fraud risk, but they refuse even after XXXX has requested on behalf of their client. My funds are being held hostage in an infuriating Kafkaesque spiral of bureaucracy. They will not even provide contact to their legal department for further dialogue outside of their Fraud Department. 

This was my first experience with banking in the small business world and it incredible discouraging that a financial institution has the power to extrajudicially seize funds under the guise of fraud protection, but does not even see fit to return the suspected funds to the presumed victim. This is nothing like I have ever seen in my many years in Anti-Money Laundering and frankly it feels predatory and targeted to small accounts that they feel will not have the resources to push back.
Product: Payday loan, title loan, or personal loan

I used my social security card to obtain money/ Loans/ Open end lines Credit. My social security card is tied directly to my XXXX XXXX XXXXXXXX XXXX and i was still denied for these services 15 U.S. Code 1602 - Definitions and rules of construction ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. 
( XXXX ) The term cardholder means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person. 
( o ) The term card issuer means any person who issues a credit card, or the agent of such person with respect to such card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance to the fair credit reporting act Net Credit/RB 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 permission. I have NOT given that authority to NET Credit/RB. 

15 USC 1666 ( B ) : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax & XXXX Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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 XXXX XXXX XXXX. 
Items listed above, 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 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 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXXXXXX 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 Remove non-employer : XXXX XXXX XXXX XXXX XXXX Update billing error : - XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX ), XXXX XXXX XXXX Opened : XX/XX/XXXX ( Update payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to PAID ON TIME ) - XXXX  XXXX XXXX XXXX Account XXXX XXXX ), XXXX XXXX XXXX XXXX Opened on : XX/XX/XXXX ( Update payments XX/XX/XXXX to PAID ON TIME ) Remove Fraudulent Accounts Listed Below : - XXXX ( Account # XXXX ), {$7800.00} XXXX XXXX, Opened : XX/XX/XXXX - XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX ), {$8900.00} XXXX XXXX Opened : XX/XX/XXXX - XXXX XXXX XXXXXXXX XXXX Account # XXXX ), {$1600.00} XXXX XXXX, Opened : XX/XX/XXXX - XXXX  XXXX ( Account # XXXX ), {$1400.00} XXXX XXXX Opended : XX/XX/XXXX - XXXX XXXX XXXX  ( Account XXXX XXXX XXXX, {$3900.00} XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX ( Account # XXXX ), {$710.00} XXXX XXXX  XX/XX/XXXX - XXXX XXXXXXXX, XXXX ( Account XXXX XXXX ), {$290.00} Closed, Opened : XX/XX/XXXX - XXXX XXXX XXXX ( Account # XXXX ), {$100.00}, Opened : XX/XX/XXXX - XXXX XXXX ( Account # XXXX ), {$900.00}, Opened : XX/XX/XXXX - XXXX XXXX ( Account # XXXX ), {$710.00}, Opened : XX/XX/XXXX - XXXX  ( Account # XXXX ), {$290.00} XX/XX/XXXX Remove Fraudulent Inquiries listed below : - - - 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 XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE BANK USA N, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAPITAL ONE BANK USA N, XXXX. XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Mortgage

Trying to payoff mortgage cant get an accurate payoff amount. I only owe them XXXX but I can get them to get me an accurate payoff quote.
Product: Payday loan

I have used this service in the past, it 's been at least over 3 years since I have used a payday loan and all of my loans were paid in FULL by the due dates. I have not been delinquent on any of my accounts. I have NO outstanding payday loans and have not for many years. My father, my sister, my daughter and myself, have been receiving 2-4 harrassing calls PER DAY from NPS. Its a recording that gives a claim number. When I call, the reps are very short, rude, and if asked any pressing questions, will simply hang up on you. They give me a dollar amount I am supposedly delinquent on, but will not give me specifics. I ask for them to send me the debt in writing so I can validate it. They say they will email it, I have yet to receive any documentation. Yet the harrassing phone calls daily to my family and myself continue.
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 with 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 resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with XXXX XXXX plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$770.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX ), Account # XXXX ( XXXX ), and Account # 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 section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Received a letter on XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX regarding a debt collection. Sent XXXX XXXX XXXX XXXX a letter on XXXX/XXXX/XXXX requesting their Texas Surety Bond information and debt validation pursuant to Texas Finance Code Section 392.202. XXXX XXXX XXXX XXXX responded on XXXX/XXXX/XXXX with account statements from the original creditor but failed to provide their Texas Surety Bond per Section 392.101 of the Texas Finance Code and other documents required by Texas Finance Code Section 392.202. 

Regardless of the validation requirement not being met, XXXX XXXX XXXX has violated Section 392.101 of the Texas Finance Code which prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

Texas law considers a debt collector as any person who regularly attempts to collect debts owed to themselves or others. 

Chapter 392, Finance Code, provides for both civil remedies and criminal penalties. Tex. Fin. Code 392.402.404. A consumer may take private legal action against a third-party debt collector or credit bureau for a violation of Chapter 392. In addition, a consumer may file a complaint with the attorney general if the consumer feels that the third-party debt collector or credit bureau has violated Chapter 392 by engaging in a false, misleading, or deceptive act or practice.
Engaging in debt collection without filing a bond with the secretary of state is a violation of Chapter 392 and may also be a criminal offense. Tex. Fin. Code 392.402.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  sent my account to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX said they Resent the collections back to XXXX XXXXXXXX XXXX  on XX/XX/XXXX. 

Also call XXXX XXXX XXXX in regards to the issue back in XXXX that this all sudden came about to the debt XXXX XXXX XXXX said is {$1300.00} after XXXX  years. 

No Notice from XXXX XXXX XXXX  in all these years.
Product: Mortgage

Submitted request to my mortgage servicer for mortgage assistance several times because my husband died last year. I have provided all the requested documents for several months and I'm still waiting for the finalization of my mortgage assistance application. 
I called the mortgage company to check the status of the mortgage assistance application and was informed my home is in pre-foreclosure. I don't want to lose my home, but I feel Fay Servicing is refusing to finalize my mortgage assistance application and they are going to try to foreclose on my home. Fay servicing is hard to work with and unwilling to help me.
Product: Debt collection

Filed a complaint about the tactics used with XXXX and XXXX XXXX XXXX XXXX ( XXXX ) and Transworld Systems Inc ( TSI ). XXXX issued paperwork regarding a debt collection to the wrong address with no attempt to certify reciept. XXXX also did not address their connection to TSI. Paperwork from XXXX shows debt transferred to TSI. Paperwork dated XX/XX/XXXX " your debt was certified to the Treasury Offset Program and transferred to our third party collection agency TSI. '' also " If you have any questions or concerns about the account, please contact TSI at XXXX. When contacting TSI, they stated " they do not own the account and can not provide you a statement or history on the account, please direct your questions to XXXX ''. XXXX mailed a letter to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX ; this address was not valid as I had been in XXXX for a year. No attempt to call or contact was made past this letter. When I was finally contacted via telephone on XX/XX/XXXX, they refused to attempt a repayment and required me to go through TSI.  XXXX/TSI violated 15 USC 1692J for furnishing deceptive forms as to who held the debt/account. 

Debt has been payed completely through TSI. When asked for a finalized statement, TSI, again, could not provide. When contacting XXXX, they could also not provide. The representative did say the account had been closed since the default date.
Product: Credit reporting or other personal consumer reports

I am making this complaint today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 

I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 

I have not given the following company permission to look at my consumer report on the dates your company Reported on my consumer report or at all for that matter. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX INQUIRY XX/XX/XXXXXXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXXXXXX XXXX INQUIRY XX/XX/XXXXXXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXXXXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX  INQUIRY XX/XX/XXXX FXXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX INQUIRY XX/XX/XXXX Please see the above inquiries as well. 
The Fair Credit Reporting Act also states that the only permissible purpose for pulling someones credit report is : A ) Firm offer of credit B ) Insurance C ) A court order D ) Employment, for a firm offer of credit, a court order, insurance, or employment. None of the above applies to the inquiries on my credit report. Please erase them immediately. 

Any and all private information should be reporting as the following and other information should be deleted from my credit file : Name : XXXX XXXX Date of Birth : XXXX/XXXX/XXXX Social Security : XXXX