23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I reviewed my credit report a few months ago, and noticed that it was so many inaccuracies on my report. I reached out to each credit bureau directly after sending the additional required documents nothing was resolved. Consumer reporting agencies have assumed such a vital role and have a responsibility to report Consumer information to th best of their ability with MAXIMUM ACCURACY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed. Its been well over 60 days and I need a resolution soon.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

In XX/XX/2020 I cancelled service with XXXX! In that process I overpaid them by {$100.00} ( XXXX  Statement included ). When I realized that, I put a stop payment on the check since I had been having billing issues with XXXX, such as ongoing fee increases. ( copy of check and stop payment fee of {$30.00} statement from credit union attached ). 

In the interim, XXXX  sent me a letter acknowledging the overpayment and then sent me a debit card. I did not activate the card since it was not my money to have and shredded it. ( I do not have the letter or card ). 

I started getting contacted by Eastern Account System of Connecticut for the {$100.00} amount, which I assume is the amount that was on the debit card. I contacted their XXXX # and was advised they would put a flag on my account as disputed. I then received a letter from them stating they had put a lien on my accounts with the credit agencies ( copy of my response to Eastern Account attached ) My credit rating has now dropped from XXXX to XXXX, a XXXX point drop in one month due to their action ( copy of credit score trend attached ). Can you assist in helping clear this matter and get my credit rating restored?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently a victim of identity theft I filed FTC reports I've contacted consumer agencies for over XXXX days I received response from consumer agencies stating they would keep inaccurate information on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up complaint to complaint number XXXX and XXXX. XXXX is claiming that the account has a balance but that not true! 
As already expected and also read in reviews and on XXXX pages, XXXX lied about the fact that those accounts werent paid of. In a letter to you and me on the above complaint numbers, XXXX stated that my account ending in XXXX was not settled and had a balance. As indicated in the above complaints, that account was settled almost a year ago. Not only do I have a letter of satisfactory from their collection agency Radius Global Solutions, here I have attached a copy of the checks sent to them and more important their confirmation that they got the money. So it would be interesting to see how XXXX is going to explain that. Please refer to the above mentioned complaints. Reading through the internet, people are saying after showing this XXXX will say they never got and they will check with their collection agency and will then comeback to apologize, so lets see.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXIn accordance with the fair creditreporting act. the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ... In accordance with the fair creditreporting act. the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681
Product: Money transfer, virtual currency, or money service

My phone got lost, and there were multiple unauthorized transactions made from my phone, including XXXX transactions 4 of them reaching the amount of XXXX. I submitted a police report and the receipt of the new phone I had to purchase because Wells Fargo required this documentation for my claim. Wells Fargo denied my claim when all the documents were submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, without any authorization, they are not mine Identity Theft XXXX/XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft AMEX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXXA/XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts same account numbers, defamation of character, using negative adverse information over since XXXX I've sent in proof of non late payment and yet and still they continue top hurt and damage me I ask them to keep account and remove negative Information since XXXX. 
Please see Uploads
Product: Checking or savings account

I had funds deposited into my checking account and went to XXXX and had XXXX left. The Bank made errors on my account that put it into overdraft when my account does not, have, overdraft and never had it. If my account does not have the funds to pay for anything it wont allow the purchase to go through however the internally bank employees are penny pinching and transferring money and stealing it at the Bank of America. I have not had an issue like this since XXXX/XXXX. I never had a issue at this bank until today since XXXX/XXXX when they tried to pull this before. I really good with accounting and have no issues whatsoever with overspending and this is reflected at every bank I ever banked at. They need fix fix my account and put it back the way it was 2 weeks ago. There were never ever any overdraft purchases on the entire history of my accounts. I will not allow myself to become a victim to predatory banking practices.
Product: Debt collection

I had {$2000.00} in my cash app account on XX/XX/XXXX cash app remove the money from my account and sent it to the New York XXXX XXXX XXXX. Contacted The original debt collector XXXX XXXX XXXX XXXX I since called them for them to return my money and they said they returned it to the new XXXX office in the XXXX office said they returned it to Cash App and Cash app refuses to give any life support or any phone number. Everything is done via messenger on the app Im looking to get my {$2000.00} back that they fraudulently took
Product: Credit reporting or other personal consumer reports

I noticed during a credit pull ALOT of inquiries that I do not recognize.
Product: Credit reporting or other personal consumer reports

On XXXX I submitted a FTC report with each inquiry I did not authorize. I disputed each of them with Equifax attached the ftc report as they advised me to. Equifax stated that all of them were factual after I followed there advice how to dispute they inquiries I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX  XXXX Removal XXXX XXXX XXXX XXXX  Inquiry dateXXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX  Inquiry dateXXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXXXXXX XXXX XXXX # XXXX Inquiry dateXXXX XXXX XXXXXXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXXXXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXXXXXX Inquiry dateXXXX XXXX XXXX Removal XXXX XXXX XXXX XXXXXXXX Inquiry dateXXXX XXXX XXXXXXXX Removal XXXX XXXX XXXX  XXXX Inquiry dateXXXX XXXXXXXX, XXXX Removal XXXX  XXXX XXXX XXXXXXXX Inquiry XXXX XXXX, XXXX Removal dateXXXX XXXXXXXX XXXX XXXXXXXX Inquiry dateXXXX XXXX XXXXXXXX Removal XXXX XXXXXXXX XXXX XXXXXXXX Inquiry dateXXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXXXXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX, XXXX, Inquiry dateMar XXXX, XXXX Removal XXXX XXXX XXXX XXXX, XXXX, Inquiry dateDec XXXX, XXXX Removal XXXX XXXX XXXX XXXX  XXXX Inquiry dateMar XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX Inquiry XXXX  XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX Removal XXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXXXXXX Removal XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, Im am reaching out because, The Fair Credit Reporting Act 15 US Code 1681 section 602 a states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. Equifax, and XXXX are consumer reporting agencies, and I am the consumer. I exercise my right to make certain that my private information isnt shared which is backed by 15 US Code 6801 which states, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. 15 US Code 1681 ( e ) reads, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 ( b ) of this title. Under 15 US Code 1681 ( 2 ) ( A ) ( i ) Exclusions : Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. In addition to that, 15 US Code 1681 ( a ) ( 5 ) says, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

This account is an adverse item they are reporting again without my permission which is against the law. XXXX XXXX is a financial institution by definition under 15 US Code 6801. 15 US Code 1681 section 604 ( a ) section 2, says, in general, subject to subsection c, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : In accordance with the written instructions of the consumer to whom it relates. XXXX, The financial institution does not have my consent to furnish this information and does not have my written consent. All consent to Equifax, XXXX, XXXX whether it be verbal, non verbal, written, implied, or otherwise is revoked. Under 15 US Code 6802 ( B ) and ( C ) states a financial institution may not disclose non public personal information to a non affiliated third party unless - the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXX never informed me of my right to exercise my non disclosure. Equifax and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states, A consumer May exercise the right to opt out at any time. I am opting out of your reporting services as of now.
Product: Credit card or prepaid card

i have spoke to a representative from citi cards on around XX/XX/2020 regarding interest fees i explained i was having a hard time with full payments due to covid 19 if there was anyway they can wave interest on my account. the representative assured me they would wave a few months of interest from XXXX until XXXX which would be around {$1100.00} in interest i was really releived!! He told me they where 100 percent approved to be waived and it would take 2-3 buisness days to reflect on my account! 
A few days later on XX/XX/2020 i saw the fees where not removed so i called citi card and the representative told me that it went for submission but they where not approved to be waived! i am really upset as i was promised they would be removed and now citi card is telling me there is nothing they can do
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and under 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, there 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Discover closed my card shortly after making a monthly payment after saying they couldn't verify my information. They essentially got free money out of me and I feel very dissatisfied with how my account can be closed at will randomly when I did not do anything wrong. This is my only account that was closed out of nowhere and my credit score will take a tumble as a result.
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. XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXX, XXXX : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I do not recognize an account with this company. I have not receive written notice about this debt or had a chance to dispute the validity of this debt. Once I have received notice i can do my research and if it is valid i will settle with the creditor.
Product: Money transfer, virtual currency, or money service

In the afternoon of XXXX XXXX, 2024, XXXX fraudulent wire transfers totaling over {$100000.00} were set up and made out of my business checking account held in Citibank. I alerted Citibank about the fraud the next morning. Citibank didn't alert me about the wire transfer setup, nor the actual wire transfers going out of my account in any way or form - No emails, texts or phone calls. I have never had any wire transfers in my checking account.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX ) on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Checking or savings account

Our small not-for-profit organization setup a small business account with Bank of America ( BOA ). BOA has charged a $ XXXX  monthly service fee deduction to the account and mailing a monthly statement. Otherwise, there has been no activity on the account, no deposits, electronic fund transfers or deductions ( other than Bank of America 's monthly fees ). Due to circumstances at the time, the account was established in a state different from the location of the not-for-profit home office ( basically an 8 hour drive away ). When we called BOA to close the account, we were told that BOA has designated the account as dormant and that we can not close the account and have the funds returned. We were told that to close the account, we would have to physically go to a Bank of America center and make a deposit in order to reactivate the account. Then, we can close the account and get our remaining funds back. 

Basically, this means that BOA can choose to classify your account as dormant even though BOA is making monthly transactions against your account, i.e., making monthly deductions for service fees and mailing out statements. However, the account holder ( you ) can not close the account to get back any remaining funds from the account unless you deposit more funds into the account. Essentially, BOA is holding your funds hostage even though you have a positive balance and monthly transactions are occurring, albeit service fees charged by the bank. 

So, what happens when the funds go into a negative balance, due to BOA 's monthly fees? You, as the account holder, will owe them money. To avoid having a negative balance is the primary reason that we were attempting to close the account by phone so that the account would not reach a negative balance and we could retrieve any remaining funds in our account.