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

I work for XXXX i got my funds deposited into my account and right after they closed my account its been more than 2 months since i had the account and they said its cause they cant verify me and i already went in the bank today XX/XX/2024 which is my birthday i had XXXX transactions in dispute my mom made XXXX atm deposits and a purchase which i never received later on when i log in it was no funds in my account so i disputed the XXXX atm deposits my mother made I believe it was XXXX 6 days later my account is being closed never got a msg an email an phone call nothing i went to the bank they told me my account can accept deposits but cant withdraw or be debited which make no sense to me its my birthday theyre stealing and this is not ok am im willing to go into litigation and create a lawsuit cause this is not the first time this happened to someone its numerous reports on this and i cant believe this happened on my birthday for now on i know to keep an extra bank account at another bank and keep funds in XXXX separate accounts because this is not how you do business and they are very rude very rude for no reason a customer shouldnt have to feel belittled or maybe it was cause im XXXX american but what ever i just know they closed my account and i asked when will i get my check for the funds in my account he said it depends on when the account close i asked when will it close he said its no tellin hes not sure so they holding onto my work pay also that i just deposited into my account last night XX/XX/2024
Product: Credit card

On XXXX/XXXX/15 I received a phone message from XXXX XXXX to call XXXX about a credit card matter that, if not resolved, would result in a lien placed on my house. I called, she passed me on to the atty, XXXX XXXX @ XXXX. He told me I had a XXXX XXXX in arrears for {$43000.00} and could resolve the matter by paying him {$3000.00} on my credit card. I do n't have a XXXX XXXX. I did not pay him. Instead I told him that I was reporting this call as a scam.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been using my social security number to obtain vehicles, housing, etc. Also there are addresses from XXXX XXXX attached to my credit file. I am a Alabama native.and have never resided in XXXX XXXX please see police report attached
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 the 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 Fun Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclay Bank Delaware # XXXX is reporting lates on XXXX XXXX XX/XX/2020. Due to unforeseen circumstances surrounding the pandemic of COVID19 & the lack of hours provided by my employer, I was severely financially impacted. I have had an account with you for a very long time and plea with you as a one time courtesy to remove these lates off my credit file. Also, DO NOT put a dispute notation on my credit report please.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have a car loan through Audi Financial Services. They are not allowing me to access their website to make payments. This has been an issue for a couple months now. I set up the account online and get a message I will be notified when processing is complete. It should not take months to set up an account. I called and was told they could not do anything for 25 days since the last time I tried to log in. I waited the 25 days and called back. After deleting and reloading the Audi app and verifying my information is accurate the agent opened a ticket. I called back a week later to get an update on the ticket and was told the ticket was closed because my information was not matching. That is incorrect as the information was already verified as being accurate. I believe this was the companys way of meeting SLAs for closing out tickets. I still cant access my account online. I want the problem resolved to allow online access to monitor my account. Thanks, XXXX
Product: Debt collection

I was reviewing my XXXX  credit report and noticed a collection account for some company called Firstpoint Collection. I never received any written correspondence from them alledging I owe this debt of {$40.00}. 

Never received any documentation that I had right to validate the debt. 

FirstPoint Collections Resources did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. 

I am demanding them remove this from my account until the debt is properly validated. 

This company has over 100 CFPB complaints for dubious collection activities.
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 XXXXXXXX XXXX XXXX Account nameXXXX. XXXX XXXX XXXX Account nameXXXX. XXXX XXXX XXXX XXXXXXXX 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 do not recognize ANY of these inquiries on my credit report. 
Creditor : XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  Card Services Inquiry Date : XX/XX/XXXX Creditor : XXXX  Card Services Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : US SM BUS ADMIN ODA Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  Card Services Inquiry Date : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I XXXX messaged a debt counselor who had multiple mutual friends of mine that were all military. On Ms. XXXX profile she had that she was a debt management counselor at XXXX XXXX, debt counselor at XXXX XXXX XXXX, debt counselor at XXXX XXXX XXXX. She also had multiple photos of accounts she helped. I believed I could trust her due to her being affiliated with the military and my friends. So I proceeded to ask her to help with consolidating my small debt. I will be including the messages that went through between us. Everything seemed alright she was helping me. She requested that through her she could get me a small loan of {$4000.00} but would need me to put {$1000.00} down as a deposit to be able to get. Seeing her previous work and knowing she was helping service members out I believed her and did on XX/XX/XXXX she said it would take 5-6 days to get the loan into my account then when the day came to give me the services she ignored my messages and then went to block me on XXXX, her phone and XXXX so that I couldnt contact her. As soon as I figured she was scamming me I reported it to my bank. I had to file 3 disputes as the transaction had to be split into 3. We agreed on sending it over XXXX XXXX and due to the high amount only two transactions one of {$250.00} and another of {$100.00} went through thinking she was helping me I then sent the rest {$650.00} through XXXX. She told me after I sent the money she would be working on finishing the loan. My bank USAA gave me a temporary credit for the XXXX XXXX   transactions and then filed with XXXX for the {$650.00}. XXXX got back to me today XX/XX/XXXX and told me that they werent responsible and that I should talk to the recipient who I cant even contact and is a scammer. My bank also backed up XXXX by saying that in the end it was XXXX final decision and theres nothing they can do. I want my money back but the bank nor XXXX will get her to give it back to me. I dont want any other services members being scammed by this woman and would like for her to be found and stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was robbed of my purse and the person took my purse with all my ID and personal information. Now I have unauthorized fraud inquires on my credit report. I have called and explained the situation but nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. PLEASE PURGED ALL THE DISPUTED ACCOUNTS OFF MY CREDIT FILE, IT HAS CAUSED DAMAGE AND I WANT TO PREVENT IT FROM FURTHER DAMGE TO MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting old or unwanted items on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts on my credit report they are not mine and they are hurting my credit I have not signed authorized or used any of these accounts.

XXXX XXXX XXXX XXXX XXXX XXXXunt XXXX Amt {$350.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Account XXXX Amt $ {$1600.00} Opened XX/XX/XXXX XXXX XXXX - Account XXXX Amt $ {$450.00} Opened XX/XX/XXXX XXXX
Product: Mortgage

My mortgage was transferred to Mr Cooper back in XXXX. I was told I need to start making payments to them as of XX/XX/XXXX. Today is XX/XX/XXXX and I am not able to make payment. I tried for a month to register online and it will not recognize my info. I call on the phone and the phone system recognizes my number but then after hours of waiting on hold no one ever answers. I also push 1 for a call back and the system never calls me back. I got ahold of someone today and they claim they are not servicing my loan and it's some XXXX company. They transfer me there and then I am told they have no idea who I am. Bottom line. I HAVE NO WAY TO PAY MY MORTGAGE AND NO WAY TO CONTACT WHOMEVER I AM SUPPOSED TO PAY. So I literally can not pay my mortgage and have no way to get help since no one claims to be servicing me!!!
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 card

I purchased a new washer and dryer from Home Depot and took out a new credit card issued by Citibank. The terms were any purchase of {$1900.00} or more would be 24 months of no interest if paid in full. I contacted customer service on XX/XX/2017 and was told that they have me on 6 months of no interest. I asked the representative to make the correction to 24 months and they said they could not help me. I need this corrected to match the terms I agreed too and its the sole reason I opened the credit card.
Product: Credit reporting or other personal consumer reports

I looked at my credit report back on XX/XX/2023, and noticed some things that are incomplete and not accurate. I sent a letter to Equifax XX/XX/2023 and asked them to investigate the completeness and accuracy of this. I received the results and noticed they did not fix anything. This is breaking Federal Law.

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 USC 1681i ( 5 ) it states ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

Upstart loan, provided a contract with an electronics signature for a loan for {$1500.00} I did not take out. My ex husband may of done this but I was separated, did not have anyone with power of attorney, I was XXXX XXXX military at the time, and had no knowledge of the loan. Now a layer wants to sue me for the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account ( XXXX  # XXXX, ) Account XXXX # XXXX, # XXXX, # XXXX ) Account ( XXXX/XXXX  # XXXX, # XXXX, # XXXX ) Account ( XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX  # XXXX ) Account ( XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  # XXXX ) Account ( XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  # XXXX ) Account ( XXXX  XXXX  ( Original Creditor : XXXX  # XXXX ) Account ( XXXX/XXXX  # XXXX ) Account ( 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
Product: Checking or savings account

XX/XX/XXXX Dollar Bank ran ads and billboards around the XXXX XXXX Area for a CD interest rate of 5.25 %, {$25000.00} minimum for 13 months I purchased two CDs for a total of {$50000.00}. The CDs will mature XX/XX/XXXX and they are only going to pay a rate of 4.25 %. I have copies of their ads and billboards and they still insist on paying the 4.25 % saying that it was a marketing error. In good faith I met all of their requirements and they should do the right thing and pay the 5.25 % rate Thank you XXXX XXXX XXXX
Product: Credit card

I purchased a XXXX gift card for {$200.00} on XX/XX/year> from Home Depot using my Home Depot credit card. I tried to use it and the card declined. I called the issuer and was told the balance never loaded from the store. I went to the store and spoke with the manager who said I would need to dispute the charge. I did so the same day. I received a letter on XX/XX/year> saying I would need to go to the store. I called the credit card issuer Citibank again. I spoke with a manager who said they reached out to the store who acknowledged that no load took place but there was no indication that the store would fix the issue. I was told to file a complaint thru any channel I could.
Product: Credit reporting or other personal consumer reports

There are XXXX collections account on my credit report from accounts that do not belong to me. One of them is from a storage called XXXX XXXX XXXX, and the other one called XXXX XXXX. These accounts were not opened by me and ended up being sent to collections, having a negative impact on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$12000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased a vehicle and along with this purchase there was also a factory warranty. Shortly after it was purchased the vehicle started to break down. I took the vehicle into the dealership to be serviced. The dealership would not honor the warranty. I was reluctant to continue to make payments on a vehicle that was not running. I tried numerous times to work with the dealership to fix the vehicle and honor the warranty however, they refused. The dealership took the vehicle back. There is no outstanding balance due and owing and this account. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I have reported several items on my experian account that is incorrect. They refuse to remove the information.
Product: Credit card

On XX/XX/23, I was informed of a hard inquiry to my XXXX credit report by JPMCB. The following day, I received an adverse action letter stating that an application in my name had been declined. I called to report the application as fraudulent. They closed the application and stated that they would contact the credit bureaus to have the inquiry removed. There was another fraudulent application made in my name to JPMCB on XX/XX/23, however it was blocked by the freeze I placed with all 3 bureaus. I called to confirm they had contacted the bureaus to have the inquiry removed. The first representative stated that they did so at the time I reported the fraudulent application. I contacted XXXX to confirm, and they stated they had not received any notification from JPMCB. XXXX agreed to send me materials so I could dispute the inquiry myself. I called JPMCB back, and another representative stated that while their investigation definitively determined the application was fraudulent, it would be 30-90 days before they submitted documentation to the credit bureaus to remove the inquiry. They mentioned something about there needing to be subsequent fraudulent applications before they would contact the bureaus to remove the inquiry from XX/XX/23. They refused to provide me a letter stating the application was fraudulent, and that I would need to make a FACT Act request for the entire application in order to have the fraud documented in writing. They stated they would respond to the request in 1-2 weeks.
Product: Credit card or prepaid card

I called first progress credit card to let them know they were taking fees out even though my card was being paid, which I have legal documentation that all the money was coming out and being paid to them. they kept tacking on charges the entire time they told me they could only remove one charge even though I paid the card multiple times. Then they tax on a late fee after my card was already paid in the full balance of {$100.00} they have been stealing money from me the entire time Ive been paying my card. then he proceeded to tell me that I owed a balance, and that he would not be returning it. This is the worst way to start your credit out because theyre stealing from individuals.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent my FTC report and license to XXXX, Equifax, and XXXX. I am following to correct steps to report identity theft. I have fraudulent accounts reporting on my consumer report.