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

On XX/XX/2022, I submitted a request to transfer money out of my First Tech Credit Union checking account to an external account. On XX/XX/2022, the bank canceled the transfer, froze my account, and indicated that it is under review. I have not heard anything from XXXX, and telephone representatives have been unable to assist.
Product: Debt collection

XXXX XXXX XXXX is performing fraudulent debt collection on a debt that was paid in full. The item under issue is a parking ticket which was paid in full, the debt collection agency can not verify this debt and added ridiculous penalty charges to the debt. They have not given me debt verification documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXXXXXX 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 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act is company 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

From XX/XX/XXXX to XX/XX/XXXX of 2021 I had over XXXX transactions made that I did not authorize or make, I contacted my bank to get this refunded after no luck with the merchant and my bank denied it without providing me any documents or a shred of evidence to support the decision after the investigation. I believe this is a violation of regulation e. Also very important to note the inconsistencies from my bank because I have had problems with this same merchant for a while and have had similar disputes approved by my bank no problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Set an letter and I havent gotten a response. They are violating FCRA USC 15 1681 G and they have not responded to me and its been over 30 days. Please remove This in accurate information from my credit report
Product: Credit card

XXXX accounts were opened without my knowledge. 
Bank of America XXXX XX/XX/XXXX Bank of America opened XX/XX/XXXX XXXX opened XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/XXXX to XX/XX/XXXX, I fell victim to two multi-layered scam operations run by XXXX ( the Company ) which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There are at least six ( 6 ) instances where my name is being inaccurately reported. 
6 different names that are not mine. I requested deletion of all names except my actual name. 
There are at least twenty-three ( 23 ) instances where an address is being inaccurately reported as my address. 
I requested deletion of all other addresses that was not mine. 
There are at least three ( 3 ) instances where my phone number is being inaccurately reported.

I requested deletion of all other names.

There are at least four ( 4 ) instances where my employment is being inaccurately reported. 
I did not consent to those agencies furnishing reports with incorrect names, addresses, phone numbers, and employers. I believe this is either provided fraudulently and/or invites fraudulent actors to take advantage of such an inaccurate report. 


My only name is : XXXX XXXX My only address is as follows : XXXX XXXX XXXX XXXX, Florida XXXX My only phone number is : ( XXXX ) XXXX My only employment is : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Mortgage

Caliber Home Loans included an invalid XXXX tax ( XXXX ) into my XXXX/XXXX/XXXX escrow analysis. This tax was not included in my XXXX analysis by XXXX. My mortgage was sold to Caliber by XXXX in late XXXX. According to Caliber this added tax caused an increase in my yearly escrow payment from XXXX XXXX X XXXX XXXX XXXX to XXXX XXXX X XXXX XXXX to XXXX. This is a yearly increase of XXXX. I ca n't believe that adding in this bogus amount of XXXX caused an increase in my escrow of XXXX plus I would have a carryover balance of XXXX. So now the total increase is XXXX, XXXX My monthly mortgage payment will increase from XXXX a month to XXXX per month. In my opinion this is borderline fraud. I have talked to XXXX Caliber representatives and I was told that it would take from XXXX to 30 business days to remove the XXXX. No one could tell me why my escrow had incurred such a huge increase. My monthly escrow should have remained at XXXX, since there was no increase in my XXXX taxes and insurance. As of XXXX XXXX, XXXX my mortgage statement shows an escrow balance of XXXX, with a XXXX escrow payment of XXXX to be collected and a tax payment of XXXX to be disbursed, also in late XXXX. This should leave a balance of a plus XXXX going into my new XXXX escrow year. During the XXXX XXXX - XXXX escrow year, my escrow account did not reach a minus balance. And this company is increasing my monthly escrow payment from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, On  XX/XX/XXXX , I submitted complaint  XXXX  against  XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   ) i n regards to unauthorized credit card charges  XXXX  was attempting to collect.     Even though this dispute is ongoing and still under review by  XXXX   ( and now CFPB ) ,  XXXX  has continued to assign late charges to this account and notify each credit bureau that I am " delinquent '' in repaying.     On  XX/XX/XXXX , I sent letters to each credit burea u (   XXXX , Experian and  XXXX  ) with documentation of the dispute and status. As per the Terms and Conditions of  XXXX  's  Cardmember agreement-   XXXX  can not not notify any credit bureau that an account is " delinquent '' if those charges are being disputed.     I have received correspondence back from each credit bureau that they have requested additional information from  XXXX  and have placed " fraud alerts '' on my credit report- however,  XXXX  continues to report my account as delinquent and the credit bureaus have not removed this detail.     As of  XX/XX/XXXX , my credit reports reflect this disputed account as 60 days past due, and my credit score has been dramatically reduced. Also- I 'm not sure how my phone number was released or sold, but I 'm now receiving " credit help '' calls which I have to block.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX  Date of inquiry XX/XX/2022
Product: Prepaid card

I am a Rush Card customer and my direct deposit from my payroll check is missing. It was never deposited into my account. Friday XXXX XXXX 2015 the Rush Card Company claimed that all direct deposits would post but it did n't. Its been XXXX weeks since the company claimed they had a update glitch but funds are still missing and the problem still is n't fixed. I really am hurting by not receiving my check.
Product: Credit card

For years, I have had a XXXX Rewards Program credit card through XXXX. Many months ago I received notification that the rewards program is being discontinued and that another bank - First National Bank of Omaha - will be issuing a new credit card. 
I recently received a letter stating that my XXXX XXXX Card will be invalid as of XX/XX/XXXX and that reward points will remain until XX/XX/XXXX. 
Here 's my complaint and problem : I plan to use the reward before XX/XX/XXXX, but I do not want another credit card issued ; i do n't need an additional credit card. The Are Lingus Rewards card was requested specifically for the rewards. 
So, I contacted First National Bank of Omaha and told them what was mentioned above. They were n't sure if i would lose points if the transfer was n't accepted. 
I then contacted XXXX. They informed me that if i cancelled the XXXX XXXX card, my points would be lost, but if i rejected the First National Omaha card, the points would still carry over. 
I then called First National Bank of Omaha again saying i do not wan t their card issued. They told me XXXX ( XXXX XXXX ) has to deal with it. If I cancel the XXXX XXXX card lose all my accumulated points. 
Am I forced to accept a card i do n't want issued, one I did not apply for? 
Like many people i have multitude credit cards ; I do not need or want another one. 
Please let me know what i should do. 
Over the years I have cancelled store cards and credit cards, yet they still are listed on my credit reports. I DO NOT want another card issued. 
Thank you.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX- XXXX, XXXX, XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was opened today ( XX/XX/21 ) under my credit from Jefferson capital in Minnesota. I live in XXXX Nebraska and did not authorize this.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XX/XX/XXXX - Balance : {$430.00} Account Name : XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Account Name XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Account Name XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} Account Name : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute multiple times with Equifax regarding  XXXX   XXXX . Neither party has provided the level of investigation or reinvestigation required by law. Nor have I been provided the level of information required by law. I demand that this item be removed from my credit report immediately or make all steps required by law to  show just cause for keeping it on my report. I further ask that this be directed to the FTC as well as any other Governing a gencies.
Product: Credit card or prepaid card

XX/XX/20 XXXX {$1200.00} XX/XX/20 XXXX {$720.00} XX/XX/20 XXXX {$850.00} XX/XX/20 XXXX  XXXX {$750.00} All these charges were done on a HSBC credit card. I did not use this card nor did I ever receive it in the mail. I called HSBC to file a claim, and I received a letter in the mail stating it was declined. 

I need your help to dispute this. I should not have to pay for something I did not do.
Product: Debt collection

Southwest credit calls me MULTIPLE TIMES PER DAY. It never stops. I do not even owe anything. They call during work, on holidays, on the weekends, etc.
Product: Bank account or service

Chase promotes a service called Chase Quick Pay. Chase Bank then immediately withdraws the money from the parties bank account. Then they put a 3 business day hold on the funds stating that they do this to verify the transaction has n't been rejected by the other bank. If the transaction had been rejected it would n't go through in the XXXX place. This is a shameful play by the bank not to watch their assets but utilize funds being transferred from person to person to their own benefit. There was no reasonable explanation that the bank could give when I informed them that the funds had been withdrawn from the senders checking account on the day that I requested the funds. A 5 business day hold puts an unnecessary burden on the consumer who is the receiver and owner of these funds. It is also counter to the claim of it being a Quick Payment well known services like XXXX, XXXX, Stripe and banks that offer similar services like XXXX and XXXX XXXX do not hold funds for 5 business days when sent from other parties.They are either immediate or happen with 1 business day. XXXX is XXXX thing but this is excessive and overly burdensome to the consumer especially given how fast electronic transactions occur.
Product: Debt collection

United Resource Systems has placed a debt of {$730 .00} on my credit report on behalf of  XXXX   XXXX   XXXX . I have no knowledge of this debt and I 've disputed it several times and they 've never provided support. I have NEVER lived in  XXXX  County. I moved away from SC in   XXXX  , how could this debt belong to me? I would like to have it removed  ASAPas it s impacting my credit worthiness.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of all accounts associated with my personal information following a recent data breach. Below are the affected accounts : Accounts in Question : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$5400.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Auto Loan Balance : {$49000.00} Date Opened : XX/XX/XXXX Hard Inquiries : XXXX XXXX  XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  VERIFY : XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX/XXXX  XXXX XXXX  : XX/XX/XXXX XXXX  XXXX XXXX  : XX/XX/XXXX Personal Information : Name : XXXX XXXX Social Security Number : XXXX Date XXXX Birth : XX/XX/XXXX This request is made under the Fair Credit Reporting Act ( FCRA ), and I am citing the following sections : XXXX. 15 USC 1681c-2 ( a ) : I request the immediate blocking of any accounts opened fraudulently in my name. 
XXXX. 15 USC 1681i : Please investigate and delete any inaccurate or unverifiable information resulting from this breach. 
XXXX. 15 USC 1681e ( b ) : I ask that you conduct a thorough review of my credit report and correct any inaccuracies caused by this breach. 
XXXX. 15 USC 1681g ( a ) : I am requesting a full copy of my consumer report to verify the accuracy of the information being reported. 
XXXX. 15 USC 1681m : Please ensure that no negative information from this breach is reported inappropriately. 
I respectfully request written confirmation of the actions taken regarding my accounts, along with an update on any steps XXXX is implementing to safeguard my personal information from further misuse. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XXXX thru present. Terms insufficient termated transaction. On recite XXXX XXXX any of a. .Advocate said alot of people not. One said snack bar only XXXX. XXXXyrs XXXX limit Balances are XXXX for that purpose Got new pin today. Told I hope not to be disappointed..I Chatted excessive. on advance XXXX limitXXXX upgrade. XXXX help Alert Secret adversity plot Vile promise. XXXX Sycroiny Bank 5 months among it.
Product: Debt collection

During the month of XXXX I accrued roughly {$7200.00} in charges on my Amex card. I did not have that account enrolled in auto pay because it would have overdrafted my checking account due to rent coming out first. on XX/XX/XXXX I flew out with my XXXX XXXX XXXX XXXX XXXX XXXX to go on a XXXX, that I was told I would only be 2 months, one of which I would have full access to my phone and other means of adjudicating this issue with the company before the debt was significant enough to do any further damage. The XXXX for me lasted until XX/XX/XXXX, when I returned to the US to find that my card was canceled and was sent to an outside agency. The first availability i reached out to the and tried to explain my situation, and due to this they recommended that i file a XXXX XXXX XXXX XXXX ( XXXX ) dispute. I do this and later on XX/XX/XXXX they inform me that the Account is not eligible for any protection under the XXXX. I asked the company again for them to waive the interest payments accrued during my time XXXX because I was not in control of being able to pay them any money. As a result they told me that the best thing to get the account opened back up so they could assist me further was to pay the owed money and then their back end team could assist me once my account reached them. So while my account was transiting to the back end team i made the payment in full under the understanding that when they received my account they could assist in either crediting the account or at least helping to send a letter to the Credit bureau to fix my now abismal credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian both have a judgment on me on file which was discharged in XXXX-XXXX  and refused to remove it from my credit report. Experian refuses to re-investigate it AT ALL. It is up to these bureaus to make sure they maintain the most accurate information as these items affect peoples lives, even if it means contacting the bankruptcy court directly. XXXX  already did their own investigation this year and the negative bankruptcy was removed from my credit report. It has been 10 years. I want this off my credit report.
Product: Money transfer, virtual currency, or money service

I am filling out a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violates 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 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.
Product: Money transfer, virtual currency, or money service

This complaint is for the CFPB to investigate the security level of customer information/financial protection systems that loan processing and online money transfer companies like Upgrade Loans and XXXX have XXXX place. I was victimized today with fraudulent invoices for payment from companies after I had contact with XXXX and Upgrade Loans. Today I received solicitation for loan application from XXXX on behalf of Upgrade loans. I went on Upgrade 's website and setup an account after which I was guided through the selection and application process for a loan. After entering the desired loan amount and other information such as SS #, phone #, address and income I received specific of the loan. Upon review I decided that the loan was not what I wanted, so I logged off without completing the loan process. At that point I sent a message to Upgrade loans, via the XXXX email thread that I was no longer interested in applying for a loan and it should be discarded. But almost immediately after I received an emailed invoice for payment from a company with which I have no account. I responded accordingly stating that they should remove that email which they did. However, very soon after another email was sent with a XXXX invoice from a XXXX account for payment of {$440.00} XXXX exchange. I immediately contacted XXXX and as I was stating the purpose for my call the XXXX hung up. I then tried unsuccessfully to contact XXXX and Upgrade by telephone and failed. I then called my bank and notified them about the fraudulent XXXX invoice. However, after hours of trying to contact Upgrade I finally was able send an email to their automatic payment system restating that my application should be discarded and I needed a response from them. I have since received an email that there is no active application in my name on Upgrades system.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my SBNASELFLNDR - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit card

It is impossible for me to change my physical address in my profile. I have not lived in XXXX for 5 years and during that time I have tried to change my physical address several times a year, hoping that the Capital One IT system has changed but it has not. My ex girlfriend lives at the address in XXXX that is currently posted in my Capital One account. I'm not 100 % sure that this is the reason I get credit card offers for her at my Arizona address but it seems logical. I got married since moving from XXXX and my new wife does not like getting credit card offers for my ex-girlfriend here in Arizona. 
I have called a total of three times in attempts to resolve this. I even sent a letter addressed to the IT manager at Capital One but I have no idea if it was delivered to the desired individual. I don't know what else to do which is way I fill out a complaint now. 

The main problem lies in the Capital One IT system that apparently uses the US Postal Service database for " valid addresses ''. I live in a very sparsely populated rural area and the US Postal Service does not deliver mail here. XXXX and XXXX does come here and we have a " XXXX sign '' at the gate of our 120 acre property, so it is a very real address. Just because the postal service does not deliver here, does not make our address " invalid '', which is a joke. 

Capital One needs to get IT people that actually know what they are doing and change the system so that a user can have a choice when they fill out their physical address. Instead of a prompt that basically tells they user that they don't know what their own address is, give them a choice that says, " are you sure this address is correct? '' Why there is such a stringent method used by Capital One for customers ' physical addresses is a total mystery and beyond stupid. 

My Capital One accounts are Cabela 's and Wal Mart ending is XXXX and XXXX respectively.