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 confidentialityunder 15 USC 1681. 

XXXX  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 bymore than seven years.
Product: Bank account or service

My husband purchased a ring for me on XXXX XXXX for my birthday. After a few days of thinking about it we XXXX decided we did not care for the band very much. So we went into Jared again on XXXX XXXX, we looked and found another band and paid more money for the different ring. They said they were able to exchange the whole item no problem. Then on XXXX XXXX, I went into the store and explained to them that we no longer wanted the ring we purchased and would like to return the item and keep our line of credit but return the item. The employee when we made our first exchange never explained to us that the diamond had 30 days to return and we assumed that that was from XXXX XXXX and they said it was from XXXX XXXX so we had passed the date by 2 days. We were never told that information until XXXX XXXX when we decided to wait on the purchase and buy at a later time. We contacted customer service on XXXX XXXX and explained the situation and when they pulled up the transactions not all the number even added up to her. They were off and she was even confused and had to ask another worker to help her figure out the situation. After speaking with her she said there was nothing they could do to help us return the entire purchase. So we decided to call the jewelry store today and say you know what go ahead and give us our ring and diamond back we will just keep it and forget we ever returned it. The employee said no problem and said it would be ready in a few hours. All of a sudden my husband receives a phone call that now we need to pay Jared another {$200.00} in order to pick up the ring again. Which makes no sense at all if no changes were made to it at all we are just picking up our merchandise again. We feel so taken advantage of by this jewelry store they have not explained things correctly several times and all their number from the transactions see To be off and now they are asking for more and more money which makes no sense.
Product: Debt collection

Live loan check sent through the mail and was deposited by family member. Deposited into their account and all their information was used. Had nothing to do with it
Product: Credit reporting or other personal consumer reports

Consumer Name : ( ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : Fair Collections & out Account # XXXX date opened XX/XX/XXXX bal. {$12000.00}, XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$11000.00}, XXXX & XXXX, XXXX Account XXXX XXXX XXXX XXXX XX/XX/XXXX bal. {$2400.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$2400.00}, XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$770.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$750.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$650.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$640.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$430.00}, XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$310.00} XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$170.00}, XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$100.00}, XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$37.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00} Inquiries : 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I am filing against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXXEAccount Number : XXXX days late in XX/XX/XXXX and XX/XX/XXXX. 

XXXX. XXXX  XXXX Account Number : XXXX days late in XX/XX/XXXX, XXXX XXXX XXXX and 60 days in XXXX XXXX. 

XXXX. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXXXXXX30 days late in XXXX XXXX, XX/XX/XXXX, and 60 days in XX/XX/XXXX. 


I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

During discovery in a divorce case, I found that my soon to be ex got a Credit Card from Belk 's department store, in my name and Social Security number. 
She had been hiding the account by paying Online using an account I had no access to. 
After the divorce started, she changed the account address to C/O ( her name ) and changed the address to that of her parents. 
The present balance is approx {$3600.00}, and I don't know how much was charged for several years.This account showed up on my credit report. 
I inquired with XXXX, and Belk/Synchrony Bank about the account in XX/XX/XXXX. Since I didn't know the account number, I filed a fraud investigation report with Belk/ Synchrony, and the local police department. After a couple of weeks, several statements arrived. 
I did request in writing, copies of the originating documents on the account. 
After 2 months, Synchrony sent a letter stating " We are unable to approve your claim of FRAUD ... Because " Account opened greater than 1 year with verifiable payment history ''. They did not sent the requested documents of the account being opened. 
Then, today, XX/XX/XXXX, I get a billing statement from Belk 's, ( for the first time ). 
The Account number was changed. I don't have a card under any account number.
Product: Vehicle loan or lease

A payment was made on the account on XX/XX/XXXX and XX/XX/XXXX by mistake from the credit union we use. We called on XX/XX/XXXX to request a refund and were told that we had to wait 15 days for the refund. At that point, we didnt move forward for the refund because the next payment would be due on XX/XX/XXXX. The XXXX statement was mailed to us and it said we owed nothing for the month of XXXX because of the double payment. Then we started getting calls and texts non-stop saying we had missed our payment and were behind. However the website still said we owed nothing. I called several times and spoke to several reps over the course of 43 days to try and either get the money refunded or get the extra payment added to our account. They refused to do either for over a month. All the while calling and harassing me for a payment they already had. Finally we decided to sell the car to another dealership and end the Ally financing. The XXXX XXXX  called Ally to get the pay-off on XX/XX/XXXX and sent payment to them shortly after. Ally has continued to call and harass me for the payment and has now turned in a delinquent notice to the credit bureau. They have been unethical in keeping money that didn't belong to them, billing us for payments they already had in their possession for well over 40 days and by not using the funds from the dealership to pay off the loan and keep our credit in good standing. They have repeatedly called and texts even after the situation had been explained and payments had been made. They unethical business/loan practice has now caused my credit score to drop dramatically while once again they hold on to money that was paid, but unreported.
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 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 15 USC 1681 section 604 a. States I have a right to privacy 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 s-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 opened a credit karma spend account when I filed my taxes with XXXX XXXX  on XX/XX/XXXX on the XXXX of i received a email stating my debit card was on its way on XX/XX/XXXX i got email saying my refund was approved and will be deposited in my credit karma account i recived emails from credit karma on XX/XX/XXXX saying to set up direct deposit with my new account on the XXXX i have a email saying i can start using my card on feburary XXXX i recieved a email saying my credit karma spend account is locked not to worry my money is safe on the same day a few moments after got another email saying my account has been deactiveated i have been trying to get in conact im told to wait for a higher deparment without any explanation
Product: Checking or savings account

My online account has bill pay which sends bills electronically. I am the one who determines to whom the checks are sent the amount et when they are sent. I specifically set up a bill payment to be sent on Thursday XX/XX/XXXX however Wells Fargo did not respect that et sent it today. They sent a bill without my permission. I contacted customer service but they were extremely rude et XXXX the situation. They continue to XXXX et state that I set up the bill for today et I did not. I am fully aware of when I request et initiate a payment to be sent however XXXX is arguing with me stating that I did not. This is ridiculous I know to whom the amount et the time a bill pay is to be sent as I am the one initiating it. I am disgusted by their blatant disregard et XXXX  They are now forcing me to pay huge interest in overdraft fees which I I should not have incurred in the first place. Their error et faulty shady ways should not jeopardize customers. They continue to be dismissive et rude. XXXX from the XXXX XXXX is refusing to give any assistance Desired settlement : Billing adjustment ; Contact by the business ; Correction and stop XXXX. Stop blaming customers for your errors
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I scent in {$500.00} dollars to a company Affirm it's a on line banking company they scent my my {$500.00}. dollar deposit but are now claiming it for me to save my XXXX dollars. I've been on the phone & on XXXX trying to get my money back. But they wont help me. I was lead to believe I could use this to buy item. But that's a lie. They just want your money. My Credit Union XXXX XXXX won't help.
Product: Debt collection

I owed a final balance to XXXX XXXX XXXX located in XXXX, Wa. which was paid in full. The condo company sent the debt to National Credit Systems in XXXX to collect on the debt. After explaining to NCS that I had paid the debt, provided verified payment from a check that XXXX XXXX cashed, had XXXX XXXX contact NCS, they still have my account open and affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXXXXXX XXXX XXXX XXXX  with XXXX XXXX XXXX XXXX XXXX XXXX ) and they keep saying I have a balance of XXXX XXXX However, it also says they have charged off the balance and that the account was also charged off. Neither of which I understand as this was a secured card, I put XXXX XXXX into, that should have never been allowed to go beyond the XXXXXXXX XXXX I feel like they are taking the best of both worlds, i.e. letting me rack up more than I wanted to spend ( not knowing I was over limit ), writing off the account, and then showing a balance on the account while at the same time saying the balance was written off. The information is all wrong, they are using it for them and against me at the same time and in doing so is misappropriately using the information. If the amount has been charged off, then I should not be hit with a past due. The account was opened in XX/XX/201XXXX XXXX XXXX XXXX, and should not even be reported anymore.
Product: Credit card

I very rarely use my Jc Penney credit card. When I did I noticed the credit limit was significantly different. I called to inquire when this happened and why. I did not get any information. The rep on the phone provided incorrect information on when the last time and dollar amount the card had carried a balance. He placed me on hold and told me I would receive a letter telling me why my credit limit dropped to XXXX dollars. The letters got told me I have a XXXX dollar credit limit nothing else.
Product: Money transfer, virtual currency, or money service

XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX Cash app fraud
Product: Payday loan, title loan, or personal loan

Lost job, broke hip, lost husband, has short ter memory problems, power of attorney told manager would payoff loan as soon as received life insurance within 4 months time. Towerloan has harassed calling all the time demanding money even after being told to stop calling numerous times, Towerloan has also filed a right to cure but keeps calling demanding money. Account is going go be paid off this week but the manager just keeps on calling and demanding money when they have been told to stop calling because she can't remember and they get her worked up everytime. This started in XX/XX/2022. She only owes {$700.00} according to right to cure.
Product: Mortgage

SLS Specialized Loan Servicing The process seems unfair. It appears to lean favourablly to the company whom one is complaining. As in this Complaint NBR XXXX. When going online to add to my complaint the account is CLOSED? This has been CLOSED without any request for reply from complainant which equates with the BIG FINANCE replied and we believe the BIG MONEY. There was NO email, phone call or snail mail from SLS to me as a reply, which one would believe is forthcoming, to my complaint. 

PLEASE know when calling again, voice message states we can make new complaint. 
This appears to be NOT TRUE as XXXX today informed me NO NEW COMPLAINT CAN be made against the SAME COMPANY? My contention is this is a NEW ISSUE with the SAME COMPANY arising out of the COMPANY 'S REPLY. Their reply is bogus, inaccurate and appears to be a gerbiling tactic. 

SLS is NOW ASKING for a POA ( Power of Attorney ) from the Buyer on the Short Sale. 
This has NEVER been requested prior in SLS list of required documents. There is NEVER a reply from SLS. NO SUPERVISOR/MANAGE has given the courtesy of a call back, yet each and every time I've requested this I've been told " 24 to 48 hours I would get a call back from a manager/supervisor '' This has NEVER happened. WHY? 

Requesting a Power of Attorney from the Buyer seems a stalling tactic. The Buyer has signed the Offer to Purchase, the Addendum as REQUESTED BY SLS, provided the HUD as requested by SLS along with the PROOF OF FUNDS PLEASE Explain why SLS is NOW requiring a POA from the Buyer along why they are performing more BPOS?
Product: Checking or savings account

My name is  XXXX   XXXX . I am having an on-going problem with Bank Of America. I feel like they have discriminated and criminalized me for things that happened within my account that simply can not control. I recently had an issue with Bank Of America where 3 months ago someone fraudulently made purchases on my account. I was accredited that money back from BOA with the assurance that everything is ok and it was evident that someone took my card and made fraudulent purchases. On my payday, I woke up to see that on  X/XX/2017    BOA waited until my direct deposit dropped and took money from that deposit to get back the money that they gave to me after someone made the fraudulent purchases. After talking to numerous BOA representatives, I 've realized that they have come to conclusion that I was the one who had been making the fraudulent purchases. Several BOA representatives have told me that in order to get my money back I will need to get a police report. With that being said I made the clear decision to take time out of my work schedule to file a police report. In the mean time I had no money but fortunately I had a check from one of my family members that I decided to cash on saturd ay (   X/XX/17    ). The check was for {$7000.00}. Now I am no stranger to how depositing checks work. It usually takes a few business days which i am aware of. But, on  X/XX/17    I woke up to an alert saying that my bank account has been $ - XXXX  insufficent and my check wouldnt get processed until a month later. I have deposited MANY checks from BOA, most of which were close to the {$7000.00} check that I deposited and it NEVER took this long. I believe that ever since the problem with the fraudulent activity BOA has been treating me unfairly. I am very upset and offended that a bank that I have invested many years into, has been treating me as if I am a criminal. Not to mention that the person who wrote me the check is a family member and is on record to have wrote me checks close to the {$7000.00} check and NONE has bounced or considered to be fraud. I would like to see all of my money back, insufficent charges off and I would like to be released from this bank. I literally have no money to get to and from work, all because BOA has decided tho treat me unfair.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I contacted Capital One Bank to dispute three ( 3 ) charges made by me to 3 separate airlines. These charges where all made in XXXX. All the flights purchased were cancelled by the airlines, entitling me to a refund. I contacted all 3 airlines, and was meet with no response from any as to when I could receive a refund. Disputed amounts were : XXXX XXXX, {$140.00} ; XXXX XXXX, {$810.00} ; XXXX XXXX {$530.00}. All amounts shown are USD. 
On my phone call to register the XXXX disputes I supplied copious information to allow CapOne to proceed with a dispute resolution. I was told I would receive a written confirmation of these disputes within 30 days. I received nothing at all from them, neither in writing in the mail, nor an email confirming my dispute. On XXXX XXXX, XXXX I again called to CapOne to follow up. I was informed that a provisional credit in the amount of {$140.00} had been posted to my account on xxx, but I was sent any documentation. I was further told the other two disputes were 'overlooked '. I was told these would now be 'expedited ', but it was impossible to tell how long this would take. I received finally a dispute information request on XXXX XXXX via USPS. I have never received anything regarding the 2 other disputes, nor have I received a credit for either. 
Capital One is required to confirm disputes in writing with 30 days, and to resolve these disputes within 2 billing cycles. I have made every good faith effort to assist in this matter, but I am rebuffed by Capital One customer service.