23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

The account was a secured credit card for $XXXX but they are charging me $XXXX and reporting 21 charge offs to the credit reporting agencies. I have tried to contact them but they sent me a letter telling me to stop contacting them via phone or mail. Now I received a letter from a collection agency named XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered inaccurate information that is negatively impacting my credit profile. The errors include incorrect account details, inaccurate balances, and/or outdated negative items that should no longer be reported. 

Despite my efforts to resolve this issue, the inaccurate information remains on my report. I am requesting an immediate investigation and correction in accordance with the Fair Credit Reporting Act ( FCRA ). Please review and update my credit report accordingly. I appreciate your prompt attention to this matter and look forward to a written response confirming the resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX change of address XXXX XXXX New Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Old Address check was sent to ; XXXXXXXX XXXX XXXX XXXX XXXX  Md. XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it explicitly mandates that consumer reporting agencies, such as XXXX, Transunion and XXXX must conduct their responsibilities with fairness, impartiality, and respect for the consumers privacy rights. As the consumer, I assert my right, supported by 15 USC 6801, which emphasizes Congress 's policy that financial institutions must continuously respect the privacy of their customers and safeguard their nonpublic personal information. The entity supplying information to credit agencies, classified as a financial institution, is bound by these obligations. According to 15 USC 1681 section 604a ( 2 ), any consumer reporting agency can furnish a consumer report only in line with the written instructions of the concerned consumer. Both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX, Transunion and XXXX lack my consent and, more crucially, my written consent to furnish this information. Any form of consent, be it verbal, non-verbal, written, implied, or otherwise, is now revoked by me. Contrary to the provisions of 15 USC 6802 ( b ) ( c ), the financial institution failed to inform me of my right to exercise nondisclosure options. Moreover, as per 15 USC 1681C ( a ) ( XXXX ), XXXX, Transunion and XXXX are unlawfully reporting adverse items without my permission, a violation of the law. Section 1681s2 ( A ) ( 1 ) A of the U.S. Code clearly stipulates that a person must not furnish inaccurate information to a consumer reporting agency. XXXX and XXXX are thus in breach of this requirement. Additionally, 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section XXXX. XXXX, Transunion and XXXX are failing to uphold these reasonable procedures. Lastly, according to 12 CFR 1016.7, I retain the right to opt out of your reporting services at any time, and I am hereby exercising that right. I expect these concerns to be promptly addressed to avoid legal repercussions. 

- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I bought a new car on XXXX XXXX loan # XXXX to XXXX XXXX XXXX   ... I used my XXXX XXXX as trade in, this car still owed money to ally financial loan # XXXX, loan amount XXXX. 
XXXX XXXX supposed to payoff the trade in car loan but they didnt till XX/XX/2018. Ally financing sent a delincuent report to my credit record so affected negatively my credit score .I explained the situation to Ally financial but they told me that they cant erase the negative credit report.
Product: Credit reporting or other personal consumer reports

Hello I am filing this complaint because I was affected by the XXXX XXXX breach and I'm a victim of identity theft and all these accounts below listed are not mine and I have never authorized to open any of these accounts listed below please remove them immediately off all credit report agencies Accts to remove XXXX : Collections 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
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 ( CFPA ). Specifically, Cash App failed to take timely, and effective measures to prevent an 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

The company is Wells Fargo. The amount is {$6300.00} from a credit card that I submitted for fraud. I was working with an internal security rep named XXXX XXXX. The account was closed, but the amount is still present negatively affecting my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of specific accounts on my credit report, following a recent data breach that exposed my personal information to unauthorized parties. Under the protections afforded by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any fraudulent accounts or inquiries removed from my credit file. 
Accounts to Be Blocked and Deleted XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} Inquiries to Be Blocked and Deleted : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I applied for an XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/2022 with account number ending in XXXX  assigned from Bank of America. I received an email on XX/XX/2022 to welcome me as a new cardholder. I received a text message on XX/XX/2022 stating that my Bank of America XXXX XXXX was approved and that the welcome package and card ( XXXX ) would arrive within 14 days. On XX/XX/2022, I received an email stating that my credit card ending in XXXX was mailed on XX/XX/2022 and was on the way. I received the packet as stated and activated the card. At this point all is well. 

On XX/XX/2022, I received an email stating that my credit card application for an XXXX XXXX XXXX XXXX from Bank of America was approved and the credit card would arrive within 7-10 business days. I DID NOT apply for this card. On XX/XX/2022, I received an email stating that my credit card had shipped and would arrive in 7-10 business days. I received the welcome packet and card on XX/XX/2022. I contacted Bank of America to cancel the XXXX  XXXX XXXX card on XX/XX/2022. On this same day, I received an email stating that it was time to activate the card. The Bank of America representative XXXX XXXX XXXX stated that this card had been declined for several attempted transactions. 

On XX/XX/2022, I received an email stating that XXXX had received a request for a credit card. Same day, I received an approval email stating that a welcome kit would arrive in the mail in 3 to 5 business days. I DID NOT apply for this card. On XX/XX/2022, I received an email stating that I had enrolled a card ending in XXXX online with paperless enrollment confirmation. AT THIS TIME, I HAD NOT RECEIVED THE CARD AND DIDN'T KNOW THE ACCOUNT NUMBER. I was out of town with a hold on my mail until XX/XX/2022. While out of town, I received an email on XX/XX/2022 stating that my XXXXXXXX XXXX XXXXXXXX benefits had been upgraded. I had not requested a XXXXXXXX XXXX  XXXX account or credit card. I received an email on XX/XX/2022 welcoming me a as a XXXXXXXX XXXX XXXXXXXX cardholder. I received TWO identical XXXX XXXX XXXXXXXX welcome letters upon my return. I called XXXX and cancelled this credit card on XX/XX/2022. 

On XX/XX/2022, I received an email notification that my request for an XXXX XXXX XXXX was not approved and a letter would be arriving with more details. ( As noted above, I already have this card which is where it seems the trouble started ).
Product: Credit reporting or other personal consumer reports

I previously sent letters to XXXX, XXXX, and Equifax in the months of XXXX, XXXX, and XXXX about incorrect information about a public record ( bankruptcy ) on my consumer report. However, the credit reporting agencies reported that all provided information was verified as 100 % correct.

I sent a letter to the bankruptcy court and their response is attached. It is clear they do not report and or verify any information to the credit reporting agencies, the information was not verified directly with the clerk of the court. The reporting requirements do not comply with FCRA 611 ( 15 USC 1681 ) and the information must be deleted immediately. I have also attached the information as it appears on my consumer report. Thank you for your attention to this matter. I am committed to ensuring the accuracy of my credit report, as provided for under the FCRA.
Product: Mortgage

I earlier opened a complaint against Mr. Cooper. They still have not resolved my complaint issues, after months of delay! Further, I believe Mr. Cooper mislead CFPB as to the severity of our charges.
Product: Checking or savings account

I went to cash my check with my bank Wells Fargo and deposited my check by ATM and they said there was going to place a hold then the day comes for the hold to b lifted and funds available I get told by my bank the check wasn't good which was a lie it was my payroll check and due to this they closed my account with them and charged me the amount that the check was for even though they never released any funds to me
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, access via XXXX automated phone system ceased working for me. Furthermore, all web access likewise stopped working. Attempts to change passwords have failed to correct the website issue and the automated system states I must use the website ( which doesnt work ). Numerous complaints have been sent to XXXX consumer affairs group which promise 5-7 day response. This has failed to be honored even once. Under CFRA and other federal laws Im provided access to this data. Equifax appears to willingly lie to customers, engage in willful negligence to address access issues and bad faith. IDs and selfies ( KYC ) were sent as requested although this syste
m seems equally broken and takes long times to even conduct KYC while on the phone with consumer affairs which takes half an hour most of the time to reach if the calls are disconnected. 

I was even given an email address to XXXX legal department which bounced as nonexistent or inaccessible yet they insist it is only means to escalate my issues further.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi! Ive disputed inaccurate information several times with Experian related to a a student loan that was never late. Most recently in XX/XX/2018 I provided letters from XXXX stating the XXXX of XXXX XXXX accounts reported as 60 days late last year were not late in the months the report claims ( or ever ), and after another long reinvestigation period, the error still has not been corrected. XXXX states unequivocally the account was never late. I dont know what else to do after providing proof on the companys own letterhead and still getting no result. Its been almost a year Ive been trying to get this fixed with no results.
Product: Credit card or prepaid card

XX/XX/2023 I received a letter from Capital One, application number XXXX, with someone fraudulently using my address. I called Capital One and notified them of the activity and they noted that the resident and address do not match. The company directed me to this site.
Product: Debt collection

In the months of XXXX, XXXX, XXXX, and XX/XX/2018 I have continuously been in contact with Equifax and XXXX Consumer reporting agencies regarding two accounts ( XXXX XXXX & XXXX XXXX ) that still remain on my credit report which were established due to identity theft without my knowledge or consent. XXXX XXXX account has since been removed an blocked from XXXX Credit Report. XXXX XXXX also has been removed and blocked from my XXXX Credit Report. I've sent both Equifax and XXXX  Consumer reporting agencies several letters and correspondence supporting my claim but have yet been able to resolve this issue. This violation of the Fair Credit Reporting Act ( 605 ) ( 609 ) ( 611 ) is negatively affecting my financial ability to make necessary purchases to provide for myself and family. I expect Equifax and XXXX  to adhere to the Fair Credit Reporting Act by immediately removing these accounts from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

As a consumer I enforce my basic rights. I have a right to be informed. I have a right to be heard. I have a right to choose. I have a right to redress. I have a right to service. I have a right to a healthy and sustainable environment. I redress complaint # XXXX I was denied a line of credit. Which I addressed in the above complaint # on XX/XX/year>. In accordance with federal reserve section 16 part 1 and 2 part 1 federal reserve notes to be issued at the discretion of the board of governors of the federal reserve system set forth for no other purpose are hereby authorized the said notes shall be obligation of the United States. Part 2 application for notes by federal reserve bank. Any federal reserve bank/principal. My make application to the local federal reserve notes. Hereinbefore provided for as it may require such application shall be accompanied with a tender to the federal reserve agent/pnc bank of collateral in amount equal to the sum of the federal reserve notes that applied for and issued pursuant to such application the collateral security thus offered shall be notes .bankers acceptance purchased unerder the provision of said section 14. Of gold certificates or special drawing rights certificates or any obligation which are direct obligation of or are fully guaranteed as to principal and interest by the United States. In no event shall such collateral security be less than the amount of federal reserve notes applied for. Ive also sent my POA to pnc bank. The acknowledge and receive the POA as you will see in my document files.. they also told me to send them instructions as evidence in my document file. I will give instructions in my resolution.
Product: Checking or savings account

Hi, they open 2 additional checking account for me without my consent. Every time I call the XXXX number to close it they hang up the phone on me and refused to connect me to the right department in order to do so. 
First XXXX XXXX  checking ending in XXXX and another premier checking ending in XXXX I want to close immediately because I did not open those accounts I do want to keep my original XXXX XXXX, checking account ending in XXXX. and tclose all the others Thank you very much
Product: Credit card

XXXX bank / XXXX has an account on my credit report that I have no knowledge of account # XXXX that was opened XX/XX/XXXX with an update status of XX/XX/XXXX, there are missed payments thats dated XX/XX/XXXX and XX/XX/XXXX that no information was provided to me.
Product: Debt collection

Original Creditor XXXX XXXX sold the debt for a studio lease to National Credit Systems after they changed management companies. National Credit Systems added three tradelines worth of debt on three credit bureaus without proof and incorrect amounts and account numbers. Only one discrepancy  remains on Equifax and they 've refused to remove the last discrepancy because it 's due to expire in XX/XX/XXXX, the seven year mark, however it 's not fair and I 've been battling this for a long time over 3  years in credit repair. This is unjustifiable that three tradelines with inaccurate information were added to three credit bureaus and the only excuse they can provide is it 's due to expire in XX/XX/XXXX, I think I 've suffered enough injustice. Please look into this. Thanks.
Product: Payday loan, title loan, or personal loan

In  XXXX  my husband and I financed through Chase Bank the purchase of a   XXXX   (  XXXX  )  XXXX . The entire transaction, including the loan application was done through the   XXXX   XXXX  . In  XXXX ,   XXXX   was found guilty of misrepresenting the amount of car emissions in some of its models ( including ours ). A class action lawsuit was filed and as a result  XXXX  gave customers the option of trading in the car for a cash payment. The payment consisted of two parts. One was the payment to Chase Bank to pay off the auto loan. The remaining amount ( after paying off the car ) would be deposited in our bank account. We took this option, and in  XX/XX/XXXX  submitted the paperwork through  XXXX . On  XX/XX/XXXX , we gave in the car at a local dealer and two days later received the money in our account. When I checked the auto loan, however, I noticed that the full amount paid included the principal balance of {$16000.00} and an interest payment of {$1000.00}. Nowhere were we informed that we would have to pay close to {$1000.00} of interest for prepaying the loan. In fact, the  XXXX  dealer informed us that we would simply be paying the principal balance on the account. This seems illegal and possibly even a scam and I would like to alert other customers to this, especially those participating in similar  XXXX  transactions. Because  XXXX  pays the auto loan balance directly, it makes it easier for the interest charge to go unnoticed by individual consumers.
Product: Credit card or prepaid card

A chase visa through Amazon was opened under my name, not by me. I mistakenly paid the first charge for a nominal amount of money. Thereafter 2 charges totaling over {$300.00} showed up on the bill. I called Chase, and they put me on with Amazon who tole me that the charges were fraudulent. Chase asked me to sign a statement which I did. I did not hear again for over a year, after which time, Chase told me that since I paid one bill, that shows that the charges were mine, and I owe them. I asked them on numerous occasions to tell me what was ordered and where it was delivered. They told me that it was too old, and they could not provide me with that information. 

I then got a letter from Chase indicating that I owed nothing and my statement would reflect that. 

Since that time, I have received another bill, with late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not able to initiate online a dispute ( collection ) with the 3 credit reporting agencies. 
I received " system not available '' massages from all 3 agencies (  XXXX, Transunion and XXXX  XXXX. Phone call resulted in long waits and bad connections. I was not able to accomplish the dispute.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding TransUnions failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm absolutely APPALLED at the " investigation '' into my credit report issues! These 2 companies have failed to correct or remove inaccurate info for 5 months now and I 'm tired of it! Their JOB is to make sure that all accounts on my credit report are accurate and complete and Congress states that they are required to go beyond the original  source of information to make sure of this. I 've requested the method of verification, procedures used to investigate as well as the proof they 're using to say that these are reporting right! For example, the XXXX XXXX account # XXXX is NOT even mine and although it 's reporting accurately, why have n't they removed it? I only have ONE account with this company! Secondly, for the XXXX accounts, they 're reporting that I was late when I was n't! Insurance was supposed to pay, and I had no obligation to pay anything on the months that are reporting late. I asked for the actual contract or agreement with my signature that states I would pay on these months and of course, I never received anything! I was NOT late on these months because I had NO obligation to pay on these months! They need to remove those! Thirdly, for TransUnion, they 're reporting inaccurate info for the public records and I 've clearly pointed out where the issues are and have requested correction or removal and of course, nothing has happened. They are required to have this documentation in their possession to keep an item on my credit report. Failing this, the item must be removed. For XXXX the XXXX XXXX account # XXXX is reporting me as late on XXXX 2016 and yet not only did I pay on time, but the other 2 bureaus are reporting accurately that I did! I asked for them to correct this and nothing happened other than that this was allegedly " verified ''! I 'm attaching all the letters that I sent to both companies and I require that these late payments and other inaccurate information is removed immediately due to violations under section 609 and 1681.