23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/year>, I filed a complaint regarding an additional credit line opened under my US Bank account profile, from which the bank deducted payments. Unaware that this credit card was distinct from the one I originally applied for, I continued making payments until the amount changed. Upon contacting the bank, I discovered that the credit in question was not opened by me. 

Learning of the fraudulent activity and realizing I had unwittingly made payments on this unauthorized card, I contacted the bank, requesting confirmation of whether the card was legitimately opened by me. The bank failed to address my concern, prompting me to cease all payments to the card. 

Following my request for the bank to provide evidence, they began reporting the account as delinquent on my credit report. Despite reaching out to XXXX and alerting them to the situation, the bank chose to close the account and report late payments on my credit history. After XXXX contacted the bank, they opted to charge off the account, dismissing my request for evidence. 

In the complaint submitted in XXXX, the bank once again disregarded my request for proof of my involvement in opening the credit card. Instead, they asserted that the card was sent to my address and used in my area of residence, deeming it a valid card. 

Attached is evidence of an address on my credit report linked to the credit card in question. The bank confirmed that this was the address used to open the account in XX/XX/year> when challenged on the legitimacy of the account. I am once again urging the bank to thoroughly review its records, rectify the presence of this fraudulent credit card on my report, and expunge it. Additionally, I insist the bank provide the requested evidence should they continue to assert the account 's legitimate opening by me. 

The attached address is not my address below on my credit report which is now deleted by XXXX is not mine : XXXX XXXX # XXXX XXXX XXXX, CA XXXX and evidently shows the account was opened with the wrong address and shows the cards were sent to an address other than mine.
Product: Credit card or prepaid card

I have a discrepancy with my account. I've had these questions before and have never been given a straight answer and had it always blamed on daily interest. 

Now I have proof they are not being straight with payments. Since I paid off my card and did not have a balance this excuse was no longer valid. According to my statement In the month of XXXX, I had a Previous Balance of {$780.00}, and the Interest Accrued in this Statement Period was {$9.00} which gave a total of {$790.00}. I paid a total of {$800.00} which should have given me a credit of {$4.00}. I have no credit and a balance of {$0.00}. I asked for my whole account to be audited and they have refused. There is something really wrong here and this company should be audited and investigated.
Product: Credit card

I would like these inquiries deleted since I did not authorize them to run my credit. It is fraudulent.
Product: Credit reporting or other personal consumer reports

In XXXX of the year XXXX the company XXXX XXXX XXXX violated my customer rights first by providing inaccurate information and transactions to reporting agency Early Warning Services without giving me notice or the opportunity to opt out of the sharing of my nonpublic personal information. I reported to the company the theft of the card linked to the account over the phone and in person at the branch. The company reported " checking account fraud '' to the reporting agency and refused to re open the investigation making an attempt to make me liable for account. I suffered a loss of assets due to this companies negligence. I have my consumer report as proof of claim. This is a violation of Privacy Act of 1974 ( 5 U.S Code 552a ) No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. The Fair Credit Reporting Act ( 15 U.S Code 1681a ( 2 ) ( i ) rules of construction ) explains, Except as provided in paragraph ( 3 ), the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. ( 15 U.S Code 1681b ( a ) ( 2 ) ) says, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. The furnishing of this inaccurate information also violates The Gramm-Leach-Bliley Act ( 15 U.S. Code 6801 ) - Protection of nonpublic personal information as well as ( 15 U.S. Code 6802 ) - Obligations with respect to disclosures of personal information. ( 16 CFR Part 313 ) -PRIVACY OF CONSUMER FINANCIAL INFORMATION and ( 12 CFR 1005.6 ) - Liability of consumer for unauthorized transfers.
Product: Bank account or service

I took XXXX car on lease from Chase in XXXX 2015 ( hard check on credit ), opened checking and saving account with Chase in XXXX 2015 and all was going fine up till XXXX 2015. In XXXX 2015, they asked me to come and fill form XXXX to validate my identity ( name & SSN ) and I did so fully compliant at all times when ever they wanted any information whether my passport, driving license, XXXX copy and SSN card copy. They made me fill the same XXXX form in XXXX, XXXX & XXXX with same details again ( if you got it first time, why would you make me to do it again ) and also asked me to get a letter from Social Security XXXX certifying my name and SSN ( I got that too from XXXX XXXX SSN office with duly stamped and submitted in XXXX XXXX week ). Now even after doing all this, I was traveling and suddenly my debit card stopped working - I checked and they have mailed me a letter in XXXX first week stating that they have closed all my accounts because of invalid information and are going to report this to credit bureau on my car lease too. How rude and unprofessional is this? they never told me all this while that whom they are talking to and why they need this information on me when i have given them a letter from SSN office certifying my credentials. 

This is going to affect me so negatively and even though when there is no fault of mine. I have bank accounts in XXXX XXXX XXXX, XXXX and XXXX credit card too all with same name and SSN. 

Need your help desperately to stop chase in spoiling my credit history and file a case on them for causing XXXX and frustration.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate. 
these items to ensure accuracy. 
Here is the Item I am asking you to verify as accurate. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

I called the number on the back of my Bank of America ( " BofA '' ) credit card on Tuesday, XX/XX/XXXX, on or around XXXXXXXX XXXX XXXX - XXXX XXXX  XXXX. I had a serious problem with BofA 's automated system ( " IVR '' or " Interactive Response System '' ). The IVR deliberately disconnected the phone call on me. This is egregious. If a customer doesn't press the correct prompts, at the right time, in the right order, the automated system then indicates it can not assist and will disconnect ; then subsequently it does, in fact, disconnect on the customer. This is inappropriate and unacceptable. Under no circumstance, should the VR willfully disconnect on any customer. This is bad business. In addition, I recall filing a complaint about this same matter around XXXX or XXXX with an agent over the phone. Bank of America did not correct this issue after it was brought to their attention. BofA has the worst IVR I have ever seen.
Product: Mortgage

I am short selling my house and we have a good offer but nationstar mortgage has an international investor who wants to out house up for auction to see if they get a higher bidder but never addressed the offer they have through the realtor for the short sale. This particular international investor is doing this with many homes. I have been in the short sale process for about 40 days now.
Product: Debt collection

I have no knowledge of this account and have never been under contract with this company. I have tried multiple times to reach out to the company with no response for indefinite removal of this account that they keep trying to put on my credit report, in turn causing my credit score to drastically drop in the middle of my home buying process.
Product: Debt collection

I am not liable for this debt with, ASSETCARE LLCI do not have a contact with, they did not provide me with the original contract as I requested. I demand this account to be removed
Product: Credit card or prepaid card

I made purchase from XXXX ( ordered an XXXX for XXXX USD ) on XXXX XXXX XXXX. But the seller sent me an empty envelope instead a package with an item I was ordered. I contacted USPS and they can PROVE the " package '' weight is 1oz ( USPS representor said " this is an EMPTY envelope '' ). So, in this case the seller has tracking number and the status of the order was " DELIVERED '' .... but what was delivered PAYPAL, and XXXX does not care. After time, on XXXX XXXX PAYPAL decided to resolve this case in " MY FAVOR '' ( The balance was {$0.00} ). But, after few days the balance of XXXX showed up again in my account. I disputed again and their representors repeating the same thing ( the order was delivered and the seller has confirmation number ). Literally, PAYPAL took the second decision ( in favor of the seller, THIS time ) based on only one delivering number. Noone gets in touch with USPS so far, either PAYPAL or XXXX, to look in their shipping records for the weight of the " PACKAGE '' - an empty envelope. I can provide dates, names, pictures.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 Credit Bureaus is reporting inaccurate information on CB/VICSCRT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit card or prepaid card

The XXXX XXXX Visa credit card was changed to Barclays Mastercard. I have been trying to set up an on line account so I can pay the bill but haven't gotten a reply from them so I can access my account and I have been waiting two hours to speak to someone to help me. I thought my account was paid when it was with XXXX but they took the XXXX information on line down and when I did manage to open an on line account with Barclays I see it was not paid and they have added a late fee to what I owe and now they are not sending me a code so I can't enter my on line account and pay my bill. Their phone number either has recordings which don't understand what I am saying or hours of wait time to talk to customer service. I want to pay my bill and cancel this XXXX card.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX account numbers 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. states a consumer reporting agency can not furnish a account without my written instructions and Experian has been updating incorrect information 's on my reports all the time ranging from invalid addresses and accounts that I had to dispute multiple times before.
Product: Checking or savings account

We made a payment to vendor XXXX XXXX for services of {$250.00} on XX/XX/XXXX for cable and internet. This vendor, was, in fact, not XXXX XXXX but a scam artist/hacker. This payment was taken from our account, fake confirmation emails were sent to his gmail account, but payment was not actually made to the our XXXX XXXX account. 

Once we realized this error, our cable and internet services were turned off, and we had to pay fees to have the services turned back on in addition to our late bill. 

We have spent countless hours on the phone with XXXX and our bank trying to get this sorted out - and even asked XXXX to open investigations into our account being hacked - but they refused. During one phone call to XXXX, we were even able to get the hacker back on the phone ( using my phone while my husband was on the phone with XXXX ) XXXX and listened as they lied and hacked into our account again. XXXX still did nothing, and expect us to pay the full amount owed plus late fees that we do not owe. We were receiving emails ( fake ), that our account was up to date. We are now not allowed to pay our XXXX bill with a card or online due to this, and have to pay in cash at a service center. With regards to our bank- we've been through XXXX disputes with them for this issue, and they will not refund the money - the hacker also used my husband 's bank card to try to make several other payment ( XXXX in total ) on XX/XX/XXXX for the amount 's of XXXX, XXXX, and XXXX. They last one ( not sure of the amount ) was flagged by our bank and thankfully the transactions were reversed. His card was canceled and a new one issued. Both the vendor XXXX XXXX  ) and our bank are aware that hackers have been in our accounts multiple times, but will not refund the money from XX/XX/XXXX for XXXX This scam artist/hacker had our account information from XXXX XXXX, and confirmed all of our information. The confirmation emails and text messages looked legitimate, but they were not. 

While we were working this all out with XXXX XXXX, we were actually able to call back a number we had and get a hacker on the phone and they tried to get more money from us and hacked into our XXXX XXXX account again. Still nothing has been done. 

Due to the payment of {$250.00} not going to the correct vendor ( XXXX XXXX ) our cable and internet was shut off on XX/XX/XXXX. We had to pay late fees and the total due bill, which we thought we already paid, to get services restored. The payment of {$250.00}, had in fact been taken by a hacker.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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: Debt collection

On XX/XX/2021 via certified mail with return receipt, with the following tracking number ( XXXX ), I consumer XXXX sent Prosper CEO, XXXX XXXX a CEASE AND DESIST letter, along with an Affidavit of Truth. On XX/XX/2021 it was delivered, but Prosper failed to sign the return receipt acknowledging they received the communication. In the letter, it stated to cease and desist the collection of this alleged debt as well as cease contact with 3rd parties such as the Consumer Reporting Agencies. Prosper willingly continued to contact these 3rd party Consumer Reporting Agencies. Prosper also failed to rebut the affidavit. An unrebutted affidavit stands as truth in commerce. Prosper further closed the account as a charge off, which is also a violation of the cease and desist letter that they received on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute about the inaccurate and fraudulent accounts on my credit report with this company and it's been well over 30 days and I havent received any investigation results.
Product: Credit card or prepaid card

I started the problem on my own. I have a XXXX store card and the company sold there account to a different handle. I pay through my bank online bill pay and didn't delete the old account once I put the new account in. I paid to the old company holding the card, and when I was notified that I didn't make my payment I started questioning it. I found that I paid to the old holder of the account {$240.00}. I tried calling the old account and would just get transferred to the new place. The new place told me to email the bank transactions that were sent to the old account so I did. Then they told me I had to mail it in. They still say they never received it. I have paid off my account and they closed it because they didn't like the way I spoke to them on the phone. However, I never got my {$240.00} back in which they said they would get it from the old company that handled the account prior to them taking it over. Not only did I pay late fees, but also the balance twice. I will never get a card handle by community again. I have attached the two transactions going to the old account number from my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been 30 days since I have sent in my 30 days to comply for invalid information on my credit report. I sent a letter on the XXXX, and XXXX I haven't heard anything back after the 30 day time period, and I still haven't heard anything back. By law I understand you guys have to comply with my request of deletion of the negative items I have listed.
Product: Consumer Loan

I currently have a little lone w/Wilshire Consumer Credit for the amount of {$6900.00} on a XXXX Kia Sportage. I fell behind on two payments and on Tuesday, XX/XX/XXXX my car was repossessed. On Wednesday, XX/XX/XXXX at XXXX, I made a payment via XXXX in the amount of {$1400.00}. Upon making the transaction. I called Wilshire to advised them of the payment and gave them reference number. They confirmed receipt of the payment. I was advised that the release of the account/car can take between 24-48hrs. I have been calling them almost every 3hrs/day to inquire status of the release. They keep telling me it 's till pending. As of this morning at XXXX the release is still pending. It 's now been longer than the 48hrs. They keep telling to call back. I left a VM message for a " supervisor '' and no one has returned my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account : SYNCB/AMAZON 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 an 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. My information was impacted in the XXXX data breach and my personal information has been compromised, I see a few fraudulent accounts and inquiries that arent mine neither have I authorized anyone to apply for any of these accounts or inquiries listed below : its to my understanding that I have rights to a fair accurate credit report according to FCRA and consumer laws protecting me and my information. I would like these items removed due to them affecting my credit report and scores and i have no type of association with any of these accounts or inquiries U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.
Product: Money transfer, virtual currency, or money service

I have a digital wallet with Cash app a few months ago I called Cash App gave my personal information after giving my personal information to them. Funds was starting to withdraw from my account. I failed a refund/dispute for all unauthorized transactions with the company. They then emailed me stating that the dispute team denied my refund. I then called back and asked for more information on why my dispute was denied. Customer service told me someone will email me. I never received an email. I didnt called back after XXXX days of not receiving an email and phone was disconnected. I also replaced my cash app card, and my funds were still being took.
Product: Money transfer, virtual currency, or money service

I am filing a complaint to 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 solution 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.