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

The below accounts did not authorization to access my credit report, nor did they have permissible purpose to do so either. 

15 U.S.C 1681 section 602 A. states I have a 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. 

FTC Report Number : XXXX Inquiries : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

Can not access/manage credit freeze. Used to be able to do this on their website- now their site redirects to credit report request and not even that works. Also, it directs to call them and that process leads to an endless loop where i can never speak with a representative at XXXX. They are effectively blocking my access to my credit file/credit freeze. 

Any number i call in attempt to speak with a human being leads to endless loop.
Product: Checking or savings account

A mobile check was deposited to my account on the XXXX of XXXX. I spoke with a rep from the bank who informed me they would be available no later than end of day. The XXXX came and they only allowed my to access {$220.00}. The remaining funds which was $ XXXX has not been made available. Every time i speak with some one they lie and tell me something totally different than the last. The bank told me that it had to do with a fraud protection and when i called fraud they said there was no hold or nothing on my check. I asked numerous of times for the local branch and if they had any in the XXXX and all the could say was " well we are citi bank '' and still could not give me any info. They did this too me a week ago and i was stranded in another state with my kids and had to sleep in my truck due to a similiar situation. They keep playing with my money and with holding it and i think they are just scamming or frauding people and i dont think they are actually based in the us
Product: Checking or savings account

Credit Karma Money closed my account for no reason and sent a check with my funds to an old address. I have since then provided my identification and utility bill as proof of new address. The company has verified my address is now corrected and my funds would be reissued within 24hrs. I have not received notification that my funds were sent. There is no valid reason for not releasing my funds. I have called and messaged the customer service only to be told the same thing and my money is still missing. My account was closed for no actual reason and now this company is delaying payment of my funds from my employer. This is causing undue hardship in my life and is unacceptable as I am not their customer any longer.
Product: Credit card or prepaid card

Money Network XXXX XXXX sent me a stimulus prepaid card under the name XXXX XXXX My name is XXXX XXXX XXXX XXXX. 

You can not talk to anyone on the XXXX XXXX line its all prerecorded junk and then they hang up. I activated the card but I can't use it under this name. Really bad implementation. As a retired government employee, I am ashamed.
Product: Checking or savings account

At XXXX this morning I tried to use my debit card and it was giving the error that it's unauthorized access. I called customer service and the regular business hours were not in operation and it was told to call back during a normal business hours. I called back during normal business hours I was subsequently locked out of my mobile banking app. I could not be verified through their verification system due to a phone number that is out of service because I can not access my debit card to pay for that phone bill. I submitted my ID to the security team and insisted that they expedite the process and verify me instead they are insisting I wait one to three business days. This is not the first time I've had this problem with the USAA as my bank. I'm caught in an endless feedback loop in their automated system in which can not be overridden by an actual human being. there are obviously flaws in their system because they are asking me for a security code that's on the login screen on my mobile banking which I can not access because they locked me out of. I can not receive a one-time code via text messages because they haven't old or unworking phone number on file. They are unwilling to use my email address, unwilling to use the security questions for which I've answered the correct answers for, and are withholding my funds for from me which it should be and is I assume illegal. They're pointing the finger at their automated system however someone has to be able to solve this problem by looking at my IDs and knowing that it's me saying that I've answered every security question correct using my bio metrics to log into my account with my fingerprint all of which has been denied by this bank. I am just really seeking help and some sort of restitution against this institution for withholding my money from me multiple multiple times. something needs to be done regarding this bank and their banking practices this is not fair to their customers they are rude to their customers have been hung up on several times and nobody down there can offer me any explanation as to why any of this is even happening.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 at XXXX am EST I received a call from a XXXX, FL phone number XXXX that I had recognized as a XXXX XXXX whom I spoke with a few months prior. the gentleman on the other end of the call explained that they finally had a buyer for me, and that the closing and sale would happen quickly. Given that I have been trying to unsuccessfully get rid of the timeshare for years, which is seemingly and coincidentally fraudulent in and of itself, XXXX, I was eager and excited about the prospect of finally having this burden off my back. I was told to that all I needed to do was pay for closing costs, which as a Realtor myself isn't unusual for seller to pay those, so I didn't think anything of it. The man told me to wire {$2700.00} to XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX. Acct # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX Description : XXXX XXXX I immediately brought this to Chase 's attention as I realized very quickly that I had been scammed. CHASE was not helpful and very difficult to work wtih. I couldn't even speak to anyone in the fraud department and there was no direct number to call. I feel Chase did little to nothing to help and neither did XXXX!! please help me asap!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXX Dear XXXX Dispute Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms The specific account ( s ) in question are as follows : XXXX XXXX XXXX XXXXXXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA. 



Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

Dear Experience,, XXXX account number XXXX date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. List : Creditor Name, Account Number, Month/Year of Late Payment I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices. You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED and update my payment history to a green check or grey it out. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. Best regards XXXX XXXX
Product: Mortgage

Chase Mortgage committed a UDAAP violation by refusing ( in a phone call on XXXX ) to provide details relating to the sources, data, & formulas used in calculating an alleged escrow shortage in the amount of {$11000.00}, which effectively doubles my total monthly payment ( from {$1800.00} to {$3600.00} ). 
A dramatic increase in monthly tax payments ( from {$95.00} to {$830.00} ) could indicate that Chase Mortgage failed to perform due diligence when purchasing this loan, and/or Chase Mortgage chose to notify me of this situation only after mortgage rates had spiked in order to prevent me from refinancing. This could be considered a second UDAAP violation.
Product: Checking or savings account

I am having an issue that I can not seem to have resolved and have been trying to speak with a supervisor at Wells Fargo, but have been leaving messages with no return calls. On XX/XX/18, I contracted XXXX XXXX with XXXX XXXX XXXX to provide floral services for my wedding, which was supposed to be on XX/XX/18. I sent her {$390.00} on XX/XX/18. On XX/XX/18, my then fianc and I had to change the date of our wedding due to a financial emergency. We changed it to XX/XX/2018, but decided we would go on and get married, which we did on XX/XX/2018. I informed XXXX about the change and she agreed with the date change ( I have included all correspondence in regards to this ). Sadly on XX/XX/2018, my husband had a massive XXXX XXXX and passed away. While I was grieving and making funeral arrangements, I had an associate reach out to her in regards to refunding the deposit of {$390.00}, she agreed. My associate contacted her on XX/XX/2018 and she stated that she would see how much the deposit was and contact her back. This was the last we heard from her. I have sent emails and messages, with no response and decided to contact Wells Fargo to retrieve my money. I was told on XX/XX/2018, that I would not be able to dispute it because of the time that has passed. While I am very aware this transaction took place in XXXX, I did not expect my husband to pass away. I called back multiple times since then to try to appeal the decision based on the circumstances and was escalated to a manager, no one has contacted me back. I am very upset with the lack of empathy and poor customer service I have received in regards to this incident. I would not need to dispute this if the merchant would have gotten back with me, nor if my husband had not unexpectedly passed away. I would like some sort of resolution regarding this because up until now, I have not had any issues with Wells Fargo bank.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX SQUARE closed my account for no reason which XXXX in funds waiting for release. 

They told me they can not support my account and I had to wait 90 days ( XX/XX/XXXX ) and they would release my funds. 

I then immediately refunded my customers back and had them pay me through other means with the exception of two customer who I did not know personally. 

On XX/XX/XXXX square did not release the funds. Ive called numerous times to be hung up on and now they blocked my number. I have to keep calling from different numbers to get some one on the phone and once they get my account they abruptly hang up. 

Ive emailed into customer service numerous times and blasted their social media to get generic responses refer back to your email for release date or someone will contact you within the next business day This is beyond unprofessional.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, credit reporting agency, block information appearing on my consumer credit report thatis the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of BELOW I HAVE BEEN A VICTIM OF SOCIAL BREACH MY SOCIAL WAS USED TO INQUIRIE INQUIRIES AND ACCOUNTS THAT ARE NOT MINE PLEASE HELP. 
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  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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I received a letter from Whipple Law, P.A. ( the " Law Firm '' ) regarding collection of my credit card account with XXXX XXXX XXXX in XX/XX/XXXX. On XXXX XXXX, I contacted the Law Firm regarding payment options of the debt. I spoke with XXXX XXXX who provided little to no information on the debt collection process and reporting my updated status with the credit bureaus. After making several calls to XXXX XXXX XXXX and the credit bureaus I received the information I needed to move forward. XXXX only demanded my payment. In an attempt to improve my credit worthiness, I paid the Law Firm in full the amount owed on XXXX XXXX, XXXX. I have demanded a letter stating my account was paid in full three times. Each time XXXX promised to send the letter. Upon further reading of XXXX 's email I see he is a Paralegal. His email signature states the following : XXXX XXXX Para-Legal Debt Collector Whipple Law, P.A. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Fax : XXXX XXXXXXXXXXXX As of XXXX XXXX, XXXX, I still have not received my letter verifying I paid the amount in full. AS a result, I can not update my credit report. The time to receive the letter is unreasonable and unprofessional. 

Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called capital one bank letting them know that my XXXX  was effected by the covid-19 pandemic and that I would prefer to postpone my due payment to a later date. They confirmed that they will postpone that billing cycle. On XXXX I made a minimum payment and on XX/XX/XXXX I paid off all my cards with capital one in full. I was surprised to find out that they have reported to the credit bureaus that I missed a payment on XXXX. Even tho they confirmed that they will postpone the due payment for the next billing cycle and that they will not report it to the credit bureaus as a missed payment. I tried reaching out to capital one several times on XX/XX/XXXX but they said that they can not do anything Im regards to this missed payment reporting. Please keep in mind that the minimum payment was only {$25.00} and I would have never missed that payment if they wouldnt have confirmed that it is ok to do so and it will not be reported as a missed payment.
Product: Credit card

I filed a complaint with the bank involved with my credit card. Suddenly, the last few transactions since I have used the card is now asking me to sign in agreement that I will pay the transaction. I find this to be retaliatory. They just reviewed my credit, and they don't know what I have pending or anything involving anything outside of the scope of them. So, they don't need to suddenly starting to request that I sign that I will pay my bill. Obviously, I will pay my bills. I always have and always do despite the false information on my credit report that has yet to be resolved due to pure stupidity and laziness on the other party.

Now, all of the sudden the weather reporters down south aren't actually predicting anything and completely destroyed my trip, plans, and income because they didn't accurately predict a storm that ran through an extra XXXX miles of XXXX. Causing me to have to sleep in my car in 20-degree weather due to untreated or maintained roads for a storm.

To top it all off, I go to 2 locations to gas up and they put a {$25.00} to {$50.00} hold on my card. Causing me to have to dip into money that was supposed to go towards my hotel room, food, and other expenses. Essentially, they destroyed my budget and what extra I had.

All intentional. All harassment. All retaliatory. And all intentional!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXX Account XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX Act. # XXXXXX/XX/XXXX XX/XX/XXXXCuAct. # XXXX, XXXX Bank XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XX/XX/XXXXAct. # XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXl XX/XX/XXXXAct. # XXXX XXXX XXXX XX/XX/XXXXBank Act. # XXXX has violated my rights XXXX 

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 reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from XXXX and EXPERIAN. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ).

Because the account listed below is not being reported accurate. The open date, date last active, the date of the last payment and the status is NOT 100 % accurate. 
XXXX XXXX XXXX XXXX XX/XX/2016 They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent a certified USPS letter to Account Adjustment Bureau ( letter attached ) requesting items from the to prove the validity of this debt. They say I owe them {$4000.00} and have inserted this item on my XXXX XXXX Credit report on XX/XX/2019. 

I have no knowledge of this debt and needs to be removed immediately from my credit report as under the fair debt collection act while being disputed for unfounded collections. 

Is Account Adjustment Bureau even licensed to collect debts within my state?