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

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX account XXXX XXXX XXXX, XXXX XXXX, XXXX DEPT OF EDXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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
Product: Credit card

I have an XXXX store card account that was open in 2014. I have always had an excellent credit status with this line of credit paying my bill on time ever since I have had this account. Now I attempted to use the account to purchase and it was denied. when I contacted Syncrony Bank I was informed that the account was closed with my knowing. and they said the reason was because they checked my recent credit report without my permission and felt that I wasnt credit worthy anymore. I feel this was discrimination.please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

today is XX/XX/XXXX of 2018 i got an email that there is a change on my credit report. 
Im trying now to pay my credit cards so my credit score will go up.Any way i sign in to the report and i see that was an inquire under my name and social security.

I suspect for long time that my credit score is low .cause im always paying my credit cards on time .The reason i thought is law, my husband had an XXXX card and he got for me also a card .Ans he straggle paying it and XXXX close his account and it react his credit. 
but this morning when i got that email i got really scared .a few weeks ago someone used also my debit card but since i check my online banking everyday immediately i called my contact at the bank and they issue for me a new card. 
i will attach the email i got and so is my credit score page Visit Capital One Theres been a change to your XXXX  credit report. 
Heads up : A lender requested a copy of your credit file. 

Visit the Alerts section of XXXX  from Capital One to review a recent change in your XXXX  credit report. To protect your privacy, we arent including any confidential details here. 
Sign in soonstaying on top of your credit can help you defend yourself against potential fraud or identity theft. 
Sign in to XXXX Download the XXXX mobile app, if you dont already have it. 
( This is the email i got today ) Ill attach a screenshot of my credit page
Product: Money transfer, virtual currency, or money service

I was always able to receive and send money via Paypal then suddenly I was asked to provide my bank statements and identification ( passport ), which I actually did provide. Later they limited ( I could not withdraw, send or receive funds ) my account for a period of 180 days which ended on XXXX XXXX. On XXXX XXXX at XXXX pm CAT I was sent an email that stated that I could withdraw my funds unfortunately, I am still unable to withdraw my funds. I really don't understand why I still can not withdraw my funds even after trying to reach out to Paypal support via email, inbox and even XXXX. I seek your help to look into this, this is the Reference ID : 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 federal protected consumer rights to and confidentiality under 15 USC 1681 Account name : XXXX XXXX account # XXXX Account name : XXXX XXXX account name : XXXX Account name : XXXX  XXXX account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX  Account # XXXX Account name : XXXXXXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX. 
Has violated my rights 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 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 USC 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: Checking or savings account

I have an online acct with bbva and im locked out of my acct. Someone must have hacked my acct because the recovery phone number was changed. Ive called at least 7 time and spent hours trying to get my acct back that has all my money. I told them the debit card was gone. They will not even block my acct or turn the card off. I need help. They say i have to drive to central fl where there branch is to prove im me. I can answer any? Or verify whatever they want. I need help please.
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 for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Equifax : XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXXXXXX XXXX XXXXXXXX Late Date XX/XX/20
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 ( CFPB ). 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 to appropriate redress for these violations.
Product: Student loan

Current loans are thru navient and they are all outstandintg. Over past couple years it appears that my interest rate has triple and made it hard for me to ever repay and on top of that it is really effecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I realized that XXXX placed an account back on my credit report that had been previously deleted. I have contacted them by phone and letter to remove the account. However, on XX/XX/XXXX, the XXXX XXXX XXXX account was updated. On XX/XX/XXXX, I contacted XXXX  regarding the account again. I indicated that the account has been placed back on my credit report after being deleted. I also indicated that the account was updated. The representative stated that no information was updated on the account but the creditor just did not state to remove it. I asked for validation of the account and was told that XXXX is not required to receive any documentation from the creditor. I asked for a phone number and address for XXXX XXXX XXXX. I was given the following information : XXXX. I was told to ask for their address when I contact them. I called the number and reached a debt collection agency by another name. I called XXXX  back. I was provided the same phone number and no address. I indicated that the number given is not correct information. I proceeded by asking the question : How are you as a credit reporting agency stating that you are reporting correct information and taking the word of some company when you have not truly verified that validity of the company ( name, address, phone number )? Also, Why is it that every time I call and state that the account was previously deleted and asked for you all to go back in your records to verify that it was previously deleted no one can seem to research and answer my question? The representative indicated that the contact information may be incorrect and I should research the web to find the correct information. I responded by stating, " I did before calling you all back this last time and will just forward my concerns to CFPB. ''
Product: Debt collection

I have tried contacting them due to imposted payments! They hang up on me every time.
Product: Checking or savings account

On the dates of XX/XX/23, XX/XX/23, and XX/XX/23, I was charged {$260.00} to my account by XXXX. ( {$800.00} total ) These charges were unauthorized, and I have made numerous attempts to rectify the situation with my bank. Regrettably, all three disputes have been denied without proper investigation or consideration of the evidence I provided. 

To establish the legitimacy of my claim, I contacted XXXX directly, and they confirmed that there are no corresponding charges on my account. I promptly provided this documentation to my bank, expecting a fair and thorough investigation into the matter. Despite my efforts, the bank continues to dismiss my dispute and fails to acknowledge the evidence at hand. 

In an effort to prevent further unauthorized charges, I requested a new debit card from my bank. However, to my dismay, I was charged once again on XX/XX/23, and my dispute claim was denied within a mere 8 hours, showing a lack of proper scrutiny and investigation. 

The bank 's justification for their actions based on my activity and spending habits is unfounded and does not align with the evidence provided. I have always been diligent and responsible in protecting my account and have promptly reported any suspicious activity. It is disheartening that my bank has failed to acknowledge this and address my concerns appropriately. 

I am seeking your intervention and assistance in rectifying this matter. I kindly request that the Consumer Financial Protection Bureau thoroughly investigates the handling of my disputes by Chime Bank. Additionally, I request that the bank is held accountable for its negligence and the undue stress and inconvenience caused by their disregard for my valid concerns.
Product: Credit reporting or other personal consumer reports

THIS IS MY FINAL LETTER CONCERNING THESE XXXX ( FRAUD ACCOUNTS ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXTHIS ACCOUNT IS LISTED TWICE ON MY CREDIT REPORT! *. This account was already deleted multiple times, and my rights have been violated multiple times. Not only is the account Fraud, I never recieved the XXXX day letter required by the FCRA to give me notice of the reinsertion of this fraud account that I've repeatly deleted and won by law. I am recent victim of identity theft. Please remove this fraudulent item for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more explanation on, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and it need 's to be deleted/removed from my credit report. I'm demanding that this fraudulent account be removed the final time permantly never to return or I will be forced to sue in the court of law. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .It definetely does not belong to me. Delete & BLock immediately! 


Collection Account XXXX : XXXX XXXX  ( CREDIT CARD ACCOUNT ) Account Number : XXXX delete it from my credit report. 
Date Opened : XX/XX/2022 ' Collection Account XXXX : XXXX XXXX  ( CREDIT CARD ACCOUNT ) CHARGE OFF COLLECTION Account Number : XXXX delete it from my credit report. 
Date Opened : XX/XX/2022 Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Checking or savings account

XXXX banked with green state credit union on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

Ive deposited a tax refund check on XXXX XXXX XXXX, Im complaining on XX/XX/XXXX about my bank still having a hold on my check. 

Ive called every other week to see why and when will they release my funds, the only information they give me next week it will be clear the week comes and still have a hold. Or they just say it still have a hold on it we are trying to see at this point what bank takes a month and what exactly are you trying to see the check speaks for it self. So now Im filing a complaint. Im fed up with not being able to use my money because they do things when they want to Im going to also close this account because of lack of ability to use my funds when i need to!
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing negative accounts reporting to my credit report beginning in XX/XX/XXXX.

I don't believe these negative accounts are not reporting accurately and are in violation of consumer protection laws. The accounts in question are Diversified Consultants, XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Debt collection

[ Portfolio Recovery Associates , LLC ] [ XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXX ] Subject : Debt Validation Request Notice of Legal Compliance Required To Whom It May Concern, I am writing pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 to formally dispute and request full validation of the alleged debt referenced above, which you have reported on my credit file.

1. Legal Validation Requirements Under 15 U.S.C. 1692g, you are required to provide the following documentation to verify this debts validity : A legally assigned contract with my original signature from the original creditor. A simple bill or statement is not sufficient proof of a legally owed debt.

Proof of chain of custody ( all assignments of ownership ) if this debt was transferred or sold.

Verification that you are legally authorized to collect this alleged debt. 

Failure to provide the above documentation constitutes a violation of federal law under the FDCPA and FCRA. If you continue reporting this unverified debt, you are liable for damages under 15 U.S.C. 1681n and 1681o, which allows me to seek legal action for willful or negligent noncompliance.

2. Cease and Desist Communication Terms As per 15 U.S.C. 1692c ( c ), you are hereby prohibited from contacting me by phone, email, or any method other than written correspondence via my mailing address above. If you fail to comply, you are subject to fines of {$1000.00} per violation, as outlined in 15 U.S.C. 1692k.

3. Immediate Deletion from My Credit Report Since this debt remains unverified and inaccurate, it must be removed from my credit report immediately per 15 U.S.C. 1681s-2 ( b ). Failure to do so will be considered a willful violation of the FCRA, and I will pursue legal remedies, including a complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and legal action against your agency. 

This is a formal dispute and not a refusal to pay ; it is a request for validation under my rights as a consumer. You are required to respond within 30 days or remove this debt from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered XXXX XXXX  in XX/XX/XXXX. The original contract rate was for a year, which was paid, and I continued to pay it until XXXX bought XXXX at the end of XXXX. When XXXX took over the service, they raised the rates somewhere around 70 % and the service was horrible, so I called them and told them to get their equipment, I DID NOT WANT THEIR SERVICE. They never picked up their equipment, and they continued to charge my account in spite of me calling to cancel. 

I attempted to cancel this account multiple times in XX/XX/XXXX and was either hung up on or they said equipment pickup was scheduled and it never happened. 

Cliffnotes : 1. THESE CHARGES ARE UNAUTHORIZED. 

2. XXXX is essentially using Experian and my credit rating to extort funds from me. 

3. If I, in fact, did have their service, then why didn't they cancel it after 90 days of no payment? ( Because they know they can use credit bureaus to extort funds from people with little to no consequence ) 4. The other credit reporting agencies have long ago removed this from my report. 

5. Lastly XXXX  HAS NO SIGNED CONTRACT OR EXTENSION FROM ME FOR THE DATES THEY SAY I OWE THEM FOR, because I never wanted it nor would I have signed it. 

Thank you. 

XXXX
Product: Credit reporting or other personal consumer reports

These inquiries were not authorized by me and I strongly suspect their legitimacy. I urge you to conduct a thorough examination and promptly eliminate them from my credit history.
Product: Credit card or prepaid card

I opened an account with american express for a Delta Business skymiles card. I met the requirements as noted below and it has been past the time and they have n't credited my account with the points and the XXXX delta credit. Also attached is a copy of the conversation stating I met the requirements and the numerous times I tried to fix the error. Please help. 



Offer states : XXXX bonus miles after {$2000.00} or more in qualifying purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. An additional XXXX bonus miles ( for a total of XXXX bonus miles ) after an additional {$1000.00} ( for a total of {$3000.00} ) in qualifying purchases are made on the Card within the first 6 months ( 183 days ) of Card Membership. A {$50.00} statement credit after the first qualifying Delta purchase is made on the Card within the first 3 months ( 92 days ) of Card Membership. The annual fee for the Gold Delta SkyMiles Business Credit Card will be waived for the first year of Card Membership. After that, the annual fee will be {$95.00}.
Product: Debt collection

I received a call on XX/XX/XXXX from XXXX XXXX XXXX representative, " XXXX '', who declined to provide his last name. XXXX informed me that they were in the process of taking legal action by filing motions in various counties, contacting my employers, family members, and any affiliated parties. I was left a voicemail stating that I would be arrested if I did not resolve the matter immediately. He states that I owed a debt in the amount of {$1000.00}, and that I was being sued by HSBC via XXXX. He refused to provide a case number, only the last four digits of the credit card. He also refused to provide information about where the debt was acquired from, and could not prove that I had ownership over the debt. He provided only general year dates of the debt ( XX/XX/XXXX and XX/XX/XXXX ), but could not provide further information. Furthermore, at no point did XXXX state that the phone call was an attempt to collect a debt or that he was a debt collector. He was misleading in his representation of the company XXXX. Additionally, once I informed him that I had filed for bankruptcy in XX/XX/XXXX, which had subsequently been discharged, he hung up the phone without further information.
Product: Checking or savings account

On Monday, XX/XX/XXXX, I got an unauthorized XXXX payment of {$270.00} deposited into my Ally checking account from a XXXX XXXX. I didnt know this person at all and figured it may be a scam so I promptly called Ally Bank ( Spoke to XXXX  ) to flag this transaction as unauthorized. That said person did call and text me but I did not respond as I assumed it was a scam. Ally said they would withdraw the {$270.00} and file my dispute under Ticket # XXXX. They said they would NOT freeze my checking account because they would just return the money and take care of it. 

On Tuesday XX/XX/XXXX, it shows {$270.00} withdrawn from my account ( see attached ) and I thought it everything was settled. 

However, on Friday, XX/XX/XXXX I got an email from Ally that my XXXX account attached to checking account has been suspended. I called and they said it was due to fraud. I explained the whole situation about saying Im not as fault and it was already resolved by one of your associates. They said they will just sent it to their back office ( Ticket # XXXX ) to get it reinstated and will be fine. I spoke to XXXX. 

On XX/XX/XXXX, Ally froze my entire checking account without warning. I couldnt access my money or make any transfers. I called again and was told it's under review by their fraud department with no timeframe given. 

This account holds over {$8000.00} and receives my paychecks. I followed all proper procedures in reporting the unauthorized deposit, yet I'm now denied access to my primary checking account and using XXXX services.
Product: Debt collection

I received a bill from Rossi Law Offices , LTD in the amount of {$41.00}. I sent out payment immediately as they were claiming to be collecting a debt for the City of XXXX XXXX. Payment was mailed by check the first week of XXXX in the amount of {$41.00}. The so called law office failed to cash the check and has now sent a bill for a slightly different higher amount. This debt was a debt that my ex-wife should have paid as a result of our divorce. This debt collector is playing games. It appears I will need to put a stop payment on this check and who knows what they did with it. A quick search on the internet demonstrates this is their MO.
Product: Mortgage

XXXX 2015 I began a process to get a home equity line of credit from XXXX XXXX Bank in XXXX New York. They found out that Bank of America, who had taken over my loan from now defunct XXXX XXXX XXXX. While BOA did pay the loan off, they never got a lien release, therefore the new bank would not grant a home equity loan. I have worked with numerous people in Bank Of America and after 9 months, they produce an ASSIGNMENT OF MORTGAGE from a representative of the defunct mortgage company. HOWEVER ... THEY DID NOT USE THE APPROPRIATE LANGUAGE and has been rejected by The XXXX XXXX XXXX and XXXX XXXX Bank as it still shows that I have a lien that does not exist! 
It is now almost 14 months to resolve this!! I have tried to contact Bank of America but have not received a return call. 
The missing paragraph in the assignment of mortgage is : " THIS ASSIGNMENT IS NOT SUBJECT TO THE REQUIREMENTS OF SECTION XXXX OF THE REAL PROPERTY LAW BECAUSE IT IS AN ASSIGNMENT WITHING THE SECONDARY MORTGAGE MARKET '' I am at my wits end to get Bank of America to fulfill their responsibility so I can move forward with my loan application. If this had happened during the sale of my home, it would have caused me to lose the sale for sure! 
It took them 9 months just to get the rep from XXXX XXXX XXXX to sign the incorrectly worded assignment as it is.