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

On XX/XX/XXXX, Wells Fargo closed the trust of XXXX XXXX XXXX XXXX checking account erroneously without taking into account of the efforts that the trustee XXXX XXXX has and had been making in order to comply with the request by Wells Fargo to change the address on file with the bank to a physical address. The XXXX, XXXX XXXX made numerous attempts to correct the address on file with the organization, which included changing the address on the online account and by phone calling into Wells Fargo, where he was promised that the account would not be closed. 
The attempt to change the accounts address via internet was the first attempt to correct the situation, which occurred on XX/XX/XXXX. After that point, the trust continued to receive letters from Wells Fargo stating that the address continued needing to be updated. The XXXX In mid to late XXXX, XXXX XXXX then proceeded to contact Wells Fargo Orally to obtain some assistance to correct this matter. During this conversation, he was reassured by the bank representative that everything was in order and the account would not be closed. 
Wells Fargo proceeded to close the account. We have yet to receive any recognition from Wells Fargo addressing the efforts of the trustee and why it was not taken into account by Wells Fargo before closing the account. Wells Fargo is more than responsible for the closure of this account and the loss of any monies involved.
Product: Credit reporting or other personal consumer reports

Experian continues to report a XXXX XXXX  cell phone account on my credit that I never opened. I have never been a XXXX  customer and have absolutely no knowledge of the account. They have not provided any information to substantiate the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 car payment was tried to be taken out of an older bank account that was on listed on my payment section. I never provided this account information but they tried to tell me that I put it in. I never did such thing ( account had been closed since before getting the car loan ) and always made my car payment with the correct current bank information that was saved on file. They processed my car payment on that old bank account and reported it late. The payment was never late. Im waiting back on the audit report for my account and its been over 90 days since the start of the case with no new information provided besides were still investigating email confirmation of payment also comes up as XXXX coupons and has been reported as spam
Product: Debt collection

On XXXX XXXX I sent my first letter to AmerAssist trying to resolve an issue of an alleged debt. Since than they've committed 37 individual actions that they're now civilly liable for. I have written them multiple letters now with not a single response regarding the debt they owe. It has been more than 30 days and I the consumer have no choice but to assume the debt belongs to AmerAssist since they have yet to respond to the multiple invoices sent. Pursuant to 15 USC 1681n they are civilly liable.
Product: Mortgage

Our mortgage company, XXXX XXXX, has breached our Mortgage contract, and the attached XXXX XXXX. Our mortgage allows for HOA or " association dues, '' that do not replace the mortgage security interest, which they do not as Oklahoma is not an HOA Super XXXX state. The HOA dues are supposed to be escrowed. This is also allowed for in the XXXX XXXX. We were sued last year by our HOA in XXXX XXXX XXXX for HOA Dues that were not dated, and given a default judgment. I filed a Motion to Dismiss, the XXXX XXXX XXXX would not allow it stating that we did not pay a {$76.00} fee that is not listed anywhere. A collection agent is not supposed to be able to use small claims court under 12 O.S. 1751 ( B ), and that is what this attorney is. I was not able to go to court due to a XXXX, but the judge still gave a default judgment, with 850 % or {$2200.00} in attorney fees. My wife went to the hearing yesterday because it was a hearing on assets, but the collections attorney went ahead and put a stay on it. The court put down that the defendant failed to appear. So I'm not sure what is going on with the court. So the court and XXXX 's attorney both have violated XXXX XXXX XXXX XXXX has breached our mortgage contract, which is the point of this complaint. They have breached their duty of good faith by causing my wife and me undue stress with this lawsuit. We have written them, and they have sent us back XXXX or XXXX letters. I know the XXXX 's attorney wrote them because XXXX XXXX sent us a letter telling us that they received a letter from him. We never heard what happened. I called XXXX XXXX multiple times, and one time I was told, " sir, this is not our problem, you need to pay this. '' It is their problem. We don't owe these HOA dues, and they need to get this young man off of our backs. The small town Court could care less what we have to say. I'm copying our title company. I'm making a claim for title insurance. I found that the day our title insurance was taken out, the builder 's mortgage had not been paid off until the next day, XX/XX/XXXX. XXXX XXXX did not make their title change until XX/XX/XXXX. The XXXX XXXX XXXX made a huge change to the covenants in XX/XX/XXXX and completely changed them. Our household was not notified, and several others that I have talked to were not notified. The new document is very discriminatory, takes away all voting rights, and makes it to that XXXX board members can do whatever they want in the name of common areas that are not even close to my house. They are also fining people for things done on city streets and their own properties. This puts an undue burden on the title. I'm putting a claim on the title insurance for the full amount. I also am claiming a breach with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

my address on my report are wrong XXXX XXXX XXXX XXXX  Ca XXXX i never lived in california alos this address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX the hard inquires are 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: Debt collection

The amount for my phone bill was not the same amount that was on my contract. I would like for this to be looked at again and possibly deleted from my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of Identity theft. I have fraudulent inquiries on my credit report : XXXX XXXX XXXX XX/XX/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 Please see my identity theft report and documents in the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian, XXXX, and XXXX to show proof of how they continuously verified these accounts showing up under my social security, and they have yet to show proof and/or remove those accounts from my credit profile, I have disputed these account for the past XXXX, asking each credit reporting agency to provide proof of how they verifed these account, and show proper documentation. Accounts below : XXXX XXXX  XXXX Account number XXXX Account name XXXXXXXX XXXX XXXX XXXX Account Number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX ( {$20000.00} ) Account Number XXXX XXXX XXXX ( {$8500.00} ) XXXX XXXX XXXX ( {$0.00} ) XXXX XXXX  Account Number XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

I have a capitol one credit card to buy in walmart. I made payments every months, in XX/XX/XXXX Capitol One charged me additional {$28.00} as a late payment fee when the payment was made XX/XX/XXXX. They also required to registered a bank account to managed the payments online and there no other option to not store my banking account information. The late payment fee imposed as a penalty to make a less than 24 hrs the psyment that in the begining payment days were 16 each month the fees is severe and abusive, they imposed those {$28.00} chaeges and increase my debt to {$290.00} that is the limit of the credit. I would like that they removed illegal late payment fees charged to my account because I have registered my bank accounts and the payments were made each month. I am in a transition from one work with XXXX XXXX XXXX   to another with XXXX  XXXX, XXXX  as a XXXX XXXX woth a pay scale salary of XXXX XXXX, and I'm in a relocation for work process from XXXX  to XXXX, by the way Capitol One did not imposed {$28.00} charges as a late payment fees in XX/XX/XXXX and it is not fair, that they charged when survivors are still dealing with disasters events. They did not protect customers accounts, in XX/XX/XXXX someone tried to charged my credit card with a walmart membership and it was not me, 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 And I knew because I received a text with declining transaction because my card was at that time at limit credit. But I made payments in XX/XX/XXXX and XX/XX/XXXX and the debt amout dropped until Capitol One imposed me late fees charges.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Social Security Number : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Transunion XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft, Charge off Please Remove Late Payment Accounts Below XXXX - XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX USA Open date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Open date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Open date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Open date : XX/XX/XXXX Dear, Transunion, XXXX, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Consumer Loan

About 5 months ago we opened a car loan through a dealership.. Then ran my credit about XXXX to XXXX times that day to try to get us approved. GM picked it up at a I want to say at 17 % interest.. The dealership also marked up the car. Bottom line is we were ripped off by both the dealership and GM
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. 

XXXX, Account Number : XXXX, XXXX, Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX, Account Number 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 items 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 or other personal consumer reports

XXXX, XXXX, XXXX & Credit Karma have all engaged in dark patterns, resulting in abuse of consumer 's file and has furnished these reports unfairly from XX/XX/XXXX - XXXX
Product: Credit reporting or other personal consumer reports

ID FOR COMPLAINT SENT TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX LAST 4 of XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX : Subject : Opt-Out Request under 15 U.S.C. 6802 DeaXXXX XXXX XXXX XXXX XXXX I am writing to formally request that XXXX XXXX XXXX XXXX cease and desist from sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies, as outlined under 15 U.S.C. 6802. 

As a consumer, I am well aware of my rights to privacy and the protection of my personal information under federal law. According to the provisions outlined in 15 U.S.C. 6802, financial institutions are required to adhere to strict guidelines regarding the disclosure of nonpublic personal information to third parties. 

Upon review of my records, I have become aware that XXXX XXXX XXXX XXXX has been sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies without my explicit consent. This action is in direct violation of the regulations set forth in 15 U.S.C. 6802 and is unacceptable. 

I hereby demand that XXXX XXXXXXXX XXXX XXXX immediately cease and desist from any further sharing or disclosure of my nonpublic personal information to non-affiliated third parties and consumer reporting agencies. Furthermore, I request confirmation in writing that such actions have ceased, along with the assurance that my personal information will be handled in accordance with federal law moving forward. 

Failure to comply with this request will leave me no choice but to pursue legal action to ensure the protection of my rights and the safeguarding of my personal information. 
Thank you for your prompt attention to this matter. I expect a response within 30 days of the receipt of this letter. 

Sincerely, XXXX, XXXX
Product: Vehicle loan or lease

Im a victim of identity theft and this loan was open without my consent. Also there is inquiries thats on there without my consent. Ive forwarded them my identity theft report and cover letter explaining the situation at hand and have yet to get help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I verified with XXXX XXXX XXXX that they have already notified all three credit bureaus of the status of a collection account, they verified with me today that a letter was sent asking that Account # XXXX XXXX {$820.00} be deleted from my file and that the account has been paid in full. I also recieved a letter stating the account has been resolved. XXXX sent letters out on the XXXX it is now over 30 days and according to the FCRA " Consumer-reporting agencies must correct or delete information that is inaccurate, incomplete or unverifiable within 30 days '' Because it is now over 30 days I kindly request that this account be removed immediatly from my credit. This inaccurate account is currently reporting on XXXX, XXXX, and Experian. There is another very logical issue with this account being reported as all three reports state that this account was last reported of XXXX XXXX, which means the credit bureaus have choosen to keep this inaccurate account on my credit file even though MCM is no longer reporting it. This is both completely unacceptable and is also a violation of the FCRA. Your immediate attention to this matter is most appriciated. XXXX was 48 days ago!
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One have over 4 different hard inquiries on my credit file. I been contacting the credit bureaus since XX/XX/2021 regarding these inquires but they still hadnt been resolved.
Product: Credit card

I went into Kay Jewelers to make a purchase and resize a ring and while there, I was asked if I wanted to open a line of credit/credit card. Multiple times I said no, but they gave me lots of information and confused me and at one point, they said I had to give them my social security number. When I questioned them as to why they needed it, they just repeated to me that they needed it. I did n't know why they needed it and I was confused. I went back the next day with my daughter to cancel the purchase and repair, get my jewelry and money back they said that they needed my social security number to open a credit card. I again told them that I said multiple times, NO I did n't want that, but the manager said that I must have agreed.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I asked the credit Bureaus to do a reinvestigation into this Discover bank card account and if it wasn't 100 % accurate and verifiable, I asked for this account to be deleted from my credit report. I requested that Discover close my account around XXXXXXXX XXXX XXXX XXXX XXXX I believe. The comment by Discover Bank on my credit reports now read closed at consumer 's request with XXXX late payments on XXXX. However, even though this account is closed, they continue to report new late payments and activity when that is inaccurate if this account is closed. This is a direct violation of the FCRA. I also previously asked for valid proof showing when all payments were received into the account at Discover Bank and if it couldn't be provided, I requested that the account be removed from my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX is in violation of my consumer rights. 

List of Violations : Pursuant to the privacy act of 1974 it states 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 written request. 15 USC 522A 15 USC 1681b permissible purposes of consumer reports Pursuant to 16 CFR 313.7 privacy of consumer financial information 15 USC 6801 protection of non public personal information I would also like to opt out under 15 USC 6802-6805 obligation with respect to disclosures of personal information.
Product: Money transfer, virtual currency, or money service

I am filling 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. Which lead to fraudulent transaction and Cash App shutting my account down with funds in the account and not explanation on why. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX  CARD SERVICE - account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is 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: 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 for these violations.for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXXXXXX Balance : {$400.00}.
Product: Payday loan, title loan, or personal loan

I was charged interest on the loan before receiving loan proceeds. The accrued interest caused a misstatement of the APR. I inquired and was told funds would arrive in a few days. Funds are by ACH ; regardless, they charged interest while holding my funds rather than waiting until they sent the funds.
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 XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.