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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

After paying off a past debt directly to  XXXX   XXXX   XXXX , I received multiple letters from Convergent date d    XXXX - XXXX -2017.      The first letter is a standard attempt to collect debt, dated ,  XXXX - XXXX -2017, this letter was received on  XXXX - XXXX -2017  and was the first instance.   The next day, I received letter from the same company dated the SAME day,  X - XX -2017 stating, " Based on recent phone with our AGENT, we understand YOU  may have a dispute regarding an account with our CLIENT. '' It is reasonable at this point based on their own provided letters, Convergent a cknowledges an issue exists in the validity of this debt the same day.     As of  XXXX   XXXX ,  2017, my  credit monitoring has indicated that this company has placed this debt to all  XXXX  credit bureau 's even though  XXXX   XXXX  confirms notifying Convergent on or before the mailing date of these multiple letters. This has caused nearly a  XXXX  point drop in my credit rating which has caused severe financial detriment to a pending financial matter.     We have talked with  XXXX  at  XXXX   XXXX   XXXXXXXXXX  on   XXXX - XXXX -201 7 who assured us Convergent is completely in ERROR and should NOT for any reason be pursuing this debt.     Please note this debt was  PAID OFF prior to the original dating of these letters from Convergent. As well, this is causing SIGNIFICANT FINANCIAL impact and Convergent should act swift ly to resolve this immediately.     PROOF of SATISFACTION : PURCHASE AUTHORIZED -  XXXX   XXXX   XXXX   XXXX  FL  XXXX  CARD  XXXX   XXXX   XXXX   XXXX  can be reached directly at,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL,  XXXX  (  XXXX  )  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received an updated copy of my transunion credit report. They have an account that I have been disputing " XXXX XXXX XXXX XXXX " it is showing as an adverse account and is reporting as " account included in bankruptcy '' I NEVER filed for bankruptcy this information is completely wrong. I am submitting this complaint about transunion because I have been asking them to please correct this wrong false information and remove it off my report. I 'm getting nowhere. Bankruptcy should not be reporting when I never filed for chapter XXXX nor chapter XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with both XXXX  and Receivables Management Systems, and I read the Law XXXX, which clearly states that a paid medical collection, especially a disputed paid medical collection MUST be deleted from a persons credit. XXXX  has failed to follow that law. They are continuing to report a paid medical collection despite my repeated disputes! I demand justice!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX {$1700.00} Credit card was opened fraudulently
Product: Credit card

I randomly received a Cash App XXXX debit card in the mail, it came first class. The card has my name on it and came to my address but I did not order it. The Cash App username on the card is slightly different than my real Cash App username. I checked all of my bank account activity and do not see anything suspicious. However, you need to put in a SSN to order a Cash App card so I am very nervous about this fraudulent activity.
Product: Money transfer, virtual currency, or money service

Starting in XXXX some fraudulent charges started appearing on the checking account that I share with my XXXX XXXX XXXX daughter ( which was not the first time this happened ). They were rejected by Bank of America but it was getting my daughter confused about the security of the account. Then, on XX/XX/XXXX, someone called using Bank of America 's XXXX number ( must have been a spoof number ) and said he was with Bank of America and that there was a lot of fraudulent transactions on the account, including XXXX transactions. He convinced my daughter to XXXX {$1000.00} in 2 separate transactions to " herself '' when it really was a scam and it was his phone number. Sh e lost a total of {$2000.00}. We called Bank of America the next morning, on XX/XX/XXXX, to report the XXXX scam. Bank of America temporarily credited her account on XX/XX/XXXX with {$2000.00}. They said that they would review the situation and make a final decision after 45 business days. After 45 business days I called Bank of America ( on Wednesday, XX/XX/2023 ) and asked them for a final determination, as a pending credit is useless if the bank is just going to take the money out at some point. They acknowledged that it was over 45 days but that they were having trouble getting the money back from XXXX, where the scammer must have had an account. I pointed out that, from online articles, it appears that they were reimbursing customers for this kind of impersonation scam and it shouldn't depend on what the other bank agrees to. The customer services agent said that she would have an analyst look at it and I should call back on Monday, XX/XX/XXXX. When I called back on Monday, XX/XX/XXXX, XXXX, a different customer service agent, acknowledged that the 45 day review period was over but it still hadn't been resolved yet. I told her it was completely unfair for the bank to hold this past their 45 day review period and how would it ever be resolved. She apologized but offered sort standard boiler plate responses. I am very disappointed in Bank of America 's lack of support and feel like they profit handsomely from XXXX but aren't willing to cover even the fraud cases they indicated they would cover.
Product: Credit reporting or other personal consumer reports

XXXX refuses to give me a reasonable price of {$160.00} per month due to Average number of months trades on file too short, time since most recent delinquency too recent, time since oldest trade opened too recent, and insufficient credit card utilization information on file. According to 15 USC Section 1691 ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. 
Anytime I used credit I did it in good faith so you ( TransUnion ) can not discriminate against me. 
The consumer reporting agency provided description that are based off credit transactions which ultimately is against the law.
Product: Mortgage

My husband and I refinanced in XXXX with XXXX XXXX. In XXXX, we received email notification that it was transferred to XXXX XXXX as of XX/XX/XXXX. But via written mail, it stated the mortgage was transferred to Mr. Cooper. We have not received any written correspondence from either servicer confirming the new account service. The number provided is a call center with limited assistance. An email was sent to XXXX XXXX and Mr. Cooper last week. I can not locate meaningful contact details for XXXX XXXX. We are thankfully in a financial position that is not in default ; however I know how these situations can affect our credit scores. Please help. We are already dealing with major XXXX XXXX circumstances and these types of situations are incredibly frustrating and difficult to navigate and manage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX, XXXX {$5100.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$760.00} XX/XX/XXXX XXXX XXXX XXXX  {$990.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX {$1400.00} XX/XX/XXXX I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Checking or savings account

I am filing a complaint as Capital One has failed to deposit my direct deposit from my employer and any incoming deposits. Capital One is stating that there are technical issues which may violate the Electronic Transfer Act which requires timely access to funds. I would like this investigated in regards to consumer protection laws and my rights as a consumer. Thank you.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I have received a credit report that suggests I owe you something, but I have not seen any evidence to support this claim. Therefore, I demand that you dismiss all claims against me and remove any negative reports about me, especially if the reported items lack mandatory document evidence of verified factual proof of claim, reporting truth, accuracy, correctness, completeness, fullness, timeliness, ownership or responsibility of claim/reporting, and/or compliance with certified Metro 2 format reporting standards. I also demand that you prove your lawful authority to conduct business with me, as I will not conduct any business interaction with you under duress. If you fail to comply with this demand within 20 days of receiving this notice, you must immediately and permanently cease all derogatory or injurious actions against me, including but not limited to reporting or collecting unverified, untrue, invalid, or non-compliant claims or debts. Please be aware that any such behavior could be considered XXXX XXXX XXXX XXXX and I will take appropriate legal action. Therefore, please rectify any alleged XXXX XXXX on my credit report by removing any delinquently reported items. 

XXXXXXXX XXXX XXXXXXXX - XXXX " You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's OfficeXXXX XXXX XXXX XXXX XXXX and the Federal Trade Commission. Your immediate attention to this matter is expected. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

ID THEFT VICTIM XXXX POLICE REPORT VIOLATION OF MY RIGHTS AS A CONSUMER REPORTING INACCURATE INFOMATION
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and discovered that two fraudulent accountsXXXX XXXX XXXX ( XXXX ) and XXXX  ( XXXX ) are appearing on my Innovis credit report. I did not authorize these accounts, and they may have resulted from the XXXX and XXXX data breaches, which compromised my personal information. Despite my request, I have not received any proof verifying the legitimacy of these accounts.
Product: Bank account or service

The reason for this letter is to inform you on the amount of time it takes to get a response on a dispute. On XX/XX/XXXX, an unauthorized transaction took place on my card while I was in church. On XX/XX/XXXX, i noticed this transaction on my account. I called and spoke to a Regions Banker and I was told that I could not dispute it until the money was no longer pending. XX/XX/XXXX, transaction is no longer pending, so I called back to dispute the transaction. I was interviewed over the phone. I was also faxed over documents to sign and return. I returned the documents the same day. I was told that it would take XXXX business days up to XXXX business days. I called back on XX/XX/XXXX and was told by a Regions Banker " I 'm sorry that you thought it took XXXX days '' ... In addition to speaking to over XXXX Regions Bankers in a XXXX week period, I 'm still coming up with the same answer, " There 's nothing in the system about your request ''. " It can take up to 10 business days ''. " Please hold for XXXX minutes ''. " XXXX XXXX, there are no notes in the system, your dispute is still pending '' ... After XXXX weeks. I 'm still empty handed. I received a letter in the mail that told me to return the information within XXXX days of filing my complaint or my request will be dismissed. After looking over the letter, I realized that these were the same questions that I have already answered. 

When calling this past weekend, I was told that your office had not received the information that i faxed over on XX/XX/XXXX, and then again on XX/XX/XXXX. When I was adamant about returning the documents, the representative finally put me on hold again. She came back to say ask, " What time did XXXX fax the information ( on XX/XX/XXXX )? She locates the information that I initially faxed on XX/XX/XXXX. I was then told that it 's being expedited, which i 'm not understanding because I have already reached my XXXX business day. The representative old me to give an additional XXXX business days ... This has been the biggest inconvenience for me. I had to spend additional money to rent a car and borrow money to compensate for the money that should have been in my account. Your policy on disputes is the worst that I have EVER encountered. The communication with the customer service representatives and your fraud department is awful. Your bank locations and ATM 's are a huge inconvenience and this has really pushed me to close my account and go elsewhere. I am passed disappointed in the customer service and your policy for my situation. This has literally had me scrapping up change. As of Friday, I had a utility disconnected because I have yet to receive my {$150.00}. This disconnection also comes with a {$75.00} re connection fee.
Product: Credit card or prepaid card

I applied online for the Bank of America XXXX XXXX Signature Visa and all of the benefits that come with that specific card. I was instead automatically approved for an XXXX XXXX Visa Platinum plus card with a different annual fee and none of the benefits. Thinking this was a mistake, I applied again for the XXXX Visa Signature Card and the application went pending. I called BofA to see what was going on and they said they could approve me for the Visa Plat if i chose to. I chose not to but asked to have someone else look at my application for the Visa Signature card. He they asked if I consented to have my application reconsidered and i said yes. He then approved me for the other card, a Visa Platinum and claimed that I had never applied for the Visa Signature. I was escalated to a supervisor and she claimed my XXXX credit score and XXXX income did not qualify me for the Visa Signature and they decided to automatically approve me for a card that was not marketed at all on their application page. BAIT AND SWITCH. This is very deceptive. Definitely a UDAAP issue. I did some research online and there are HUNDREDS of other people who have complained about this same deceptive marketing practice. If you look at the link below, you will see advertising for ONLY the Visa Signature card and not the inferior yet still expensive Visa Platinum. There is no mention of the Platinum benefits or fees because they are inferior and nobody would apply knowing that they could be approved for the inferior card. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never wanted the XXXX XXXX Visa Platinum with a {$50.00} annual fee and sub-par benefits . Nor did I apply for it. Yet somehow I was approved for TWO of them. I closed them but do not want them reported on my Credit Report.
Product: Credit reporting or other personal consumer reports

I had a loan for a vehicle the vehicle fell apart less than two years after getting it and I had to do a voluntary repossession I figured that would be better as it wouldn't have a bunch of missed payments until they reposses the vehicle themselves. I called in XXXX XXXX  and spoke with them and they sent me papers to sign for a voluntary repossession then proceeded to not get the car until this month. XX/XX/XXXX. Meanwhile all that time the missed payments are racking up on my credit report. What is the point of a voluntary repo if the company isn't going to get the car for 4 months. That's not my fault they didn't get their vehicle until 4 months later I was ready for them to take possession of the car in XXXX XXXX XXXX I signed the voluntary repo paper I shouldn't have to have months of missed payments on my report bc they didn't want to get their car. XXXXXXXX XXXX XXXX is who I held the loan with and I've disputed the missed payments on all the credit agencies but it just comes back saying that my account is accurate. I'm also being charged storage fees and I signed a voluntary repo so why do I have to pay for that when I signed to take the car. I don't need them to give me time to change my mind they already gave me 5 months.
Product: Credit reporting or other personal consumer reports

I recently discovered that I have been a victim of identity theft. Unauthorized accounts have been opened in my name, and fraudulent transactions have been made without my knowledge or consent. Specifically : Date of Incident ( XXXX ) XXXX Details of Fraudulent Activity : credit card accounts for a total of {$2900.00} Company Involved : XXXX Actions Taken : I have already [ filed a police report, contacted the companies involved, placed a fraud alert on my credit report ]. Impact : This has negatively affected my credit score and caused significant stress and inconvenience. I am requesting the CFPB to ensure that the companies involved address this matter appropriately, including closing fraudulent accounts, correcting any credit reporting errors, and improving their security measures to prevent future identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. XXXX pledging us as collateral to back government debt. 
HJR 192 Remedy the government has obligation to discharge and settle debt we may incur
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 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 instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

Sir , Wells Fargo  Bank in  XXXX  recieved until  XXXX  from  XXXX   XXXX   .  (  XXXX   XXXX  ) I asked  Wells Fargo Bank via  Email for acces to my Money.  XXXX   XXXX   from  Wells Fargo Bank gave  me not any Information how i can get acces to my Money.please note i have not account wit h Wells Fargo Bank but   they have taken over Money yet.      XXXX .    Wells Fargo  Bank  XXXX   XXXX   XXXX  Ga  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to complain about Conn 's Furniture and their deceptive credit reporting practices. On XXXX XXXX 2017 I purchased a bed from Conn 's based off the premise that I was financing approximately {$2200.00} for said bed. They issued a credit limit of {$6000.00} so I thought I was being financially responsible for not maxing this limit. <P/>Cut to today XX/XX/2017 and XXXX XXXX informs me that my FICO drops 100 points! Reason being, Conn 's is reporting that I financed {$4800.00}. This is false information. I was told by the customer service rep when I called in that this is the # 1 complaint they hear and all I can do is write in to complain ( which I did ) and hopefully someone in " upper management '' will make a change. This is wrong! <P/>My understanding of the contract was as follows : 1. My amount financed is approximately {$2200.00} 2.  I received 0 % interest for 12 months, meaning if I pay the {$2200.00} balance before 12 months I pay off the balance owing 3. If I stick to the proposed payment of {$130.00} for the term of 36 months, THEN I would have paid {$4800.00}. <P/>NO OTHER CREDITORS USING PREPAID FINANCE CHARGES IN THEIR REPORTING. Otherwise, people who finance auto loans would show the total amount financed based on the installment schedule as the starting balance. ABSURD! <P/>The reporting methods of Conn 's is fraudulent because it is untrue. It reports an incorrect picture of me as a consumer because this misreporting of my credit usage gives creditors the impression that I am irresponsibly using credit which is the biggest impact on one 's credit report. I 've paid my bills on time and closely monitor my report for such discrepancies.