23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting or other personal consumer reports

This auto loan was opened fraudulently. I've been fighting fraud for years and this account on my credit report is one of many. My identity was stolen when I was XXXX and I've seen been placing fraud alerts on my credit files to prevent fraudulent accounts being opened in my name. 

I have documentation from the IRS and police reports.
Product: Debt collection

I want to dispute an error on my credit report. The Calvary the agency cavalry portfolio Service, put me in collection that reflects on my XXXX credit report, stating that I owe them {$110000.00}. I contacted them but they dont want to give me info whether this amount is from an credit card or a loan. They insist that I have to pay them. I let them know I have proof that I was a victim of identity theft .But they refused to accept any proof, they keep insisting that I have to pay them. Im requesting to get the collection removed from my account. Im attaching, a copy of the police report of identity theft, residential, I live at the same address XXXX agreement, account services /XXXX a proof of residency. My problem started when I purchased a home located in XXXX XXXXXXXX XXXX XXXX, CA XXXX. I never lived in this address, as soon as I purchased it I put on rent starting XXXX of XXXX. I dont know when someone used my name to open an account with several banks are taking out long and credit cars, in almost all banks they took out credit using my name fraudulent, his collection agency is harassing me for a debt I never bought and that was opened fraudulently. Please help me. My credit is destroyed by identity theft. I never took out a loan let alone applied for a card. They need to verify the signatures. The face of the person. I never signed for a loan.
Product: Credit card or prepaid card

I received an unsolicited credit/debit card from Brinks Money. XXXX XXXX XXXX, XXXX, TX XXXX. 

I do not know how this company got my personal information.
Product: Credit reporting or other personal consumer reports

Subject : Deletion of Unauthorized Credit Inquiry REGIONAL ACCEPTANCE I am writing to formally request the removal of an unauthorized credit inquiry made by your institution on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. After reviewing my credit report, I noticed an inquiry listed under my name without my consent or knowledge.

The inquiry was made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and was not associated with any credit application or agreement initiated by me. As a result, I did not receive any benefit or services from your institution corresponding to this inquiry. 

I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report as soon as possible. I understand that these inquiries can impact my credit score, and given that I did not engage in any transaction or seek credit from your company, I urge you to rectify this error promptly. I also demand retraction of any application or security in your possession. 

Please provide confirmation once the unauthorized inquiry has been deleted from my credit report. I appreciate your prompt attention to this matter and your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was consignor on a vehicle lease.XX/XX/XXXXfinancial indicated a payment was late and reported that to the credit bureaus. I was not notified of the presumed late payment. I contacted XXXX financial several times to get specifics, ie date received and amount to compare to the XXXX on the lease. Somewhere the lease must have been renegotiated due to Covid. I was not aware of that. XX/XX/XXXX financial has been uncooperative in my attempt to obtain information, yet left negative actions on my credit report. Bank statements indicate a different payment status than XXXX.
Product: Debt collection

Both XXXX along with Midland Funding LLC, are still attempting to extort money from me. Every year Midland Funding try 's the same XXXX.Every year they use XXXX of their many subsidiary companies to threaten and bully me. This year it is XXXX doing the dirty work. Allegedly I owe Midland Funding {$4200.00} dollars this year. As always neither Midland Funding nor any of their affiliates provide any legal documentation that that could be used in court to validate this fraudulent debt.
Product: Debt collection

True Accord claims I owe {$150.00} to XXXX  for a returned item, a purchase from XXXX, item returned via XXXX several months ago.. The item was purchased via XXXX XXXX, returned to merchant via XXXX, tracking ID not available.. Prior complaints were filed against XXXX  for attempting to collect on debt when item was returned and tracking ID provided to them..Regardless of return, XXXX still attempts to collect on debt after proving item returned by providing tracking info..If True Accord requires tracking info, please refer back to XXXX  whom it was provided to via CFPB complaints filed prior.
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 violated 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.

Their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the EFTA and Regulation E.

I seek redress, irrespective of the amount involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone use my identity and open auto loan, auto insurance, credit card and cable service I am a victim of identity theft I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I noticed a collection from a company called XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  in the amount of {$6200.00} which I believe is a fraudulent account. The dates opened are different on every credit bureau and per the FCRA an inaccuracies need be corrected or deleted from my credit report. I also do not owe any medical facility any money as the only treatment I have had in the past 3 years has been covered by my insurance. I would like to obtain proof that the debt owed is mine and that it does not violate HIPAA or the FCRA otherwise such should be deleted from my report as it has put a burden on my ability to responsibly obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed the late payments on XXXX XXXX XXXX account for months. Transunion refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to Equifax, XXXX, and XXXX on XX/XX/2023 requesting that they all remove late payments and student loan accounts from my consumer credit report as this information is listed in violation of the following consumer credit protection laws : 15 USC 1681 Section 602 which states that I have the right to privacy 15 USC 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written consent.

*15 USC 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

In addition, I requested proof of how information regarding the listed bankruptcy was furnished, and have not received a response from any of the bureaus. The listed information is in direct violation of my consumer protection rights as I have never authorized them to list this information, and contacted the XXXX county court listed on my credit reports, and was informed that this information was never supplied to any consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Information : Name : XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, GA XXXX Subject : Request to Block Fraudulent Information Due to Identity Theft Complaint Summary : I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against the credit reporting agencies and data furnishers for failing to act on my repeated requests to block and remove fraudulent information from my credit report due to identity theft. 

Prior to last week, I attempted to access my credit profile but was informed by multiple representatives that I was unable to do so. This supports my claim of identity theft, as unauthorized accounts have been fraudulently opened in my name. Despite my efforts to correct my credit profile, the credit reporting agencies and data furnishers have failed to comply with federal laws, including the Fair Credit Reporting Act ( FCRA ). 

Issues Raised : Failure to Block Fraudulent Accounts : Despite providing an FTC Identity Theft Report ( # XXXX ) and a police report, the credit bureaus have not blocked fraudulent accounts as required under 15 U.S.C. 1681c-2. 

Failure to Provide Method of Verification : Under 15 U.S.C. 1681i ( a ) ( 6 ), I have requested the method of verification used to validate disputed accounts, yet no response has been provided.

Failure to Update Personal Information : My credit report contains outdated and incorrect personal information, which I have repeatedly requested to be updated. I demand : Full Name : Display only " XXXX XXXX. XXXX. '' Address : Remove outdated addresses and retain only " XXXX XXXX XXXX, XXXX, GA XXXX. '' Phone Numbers : Remove all outdated phone numbers. 

SSN & Date of Birth : Remove from public display. 

Employer Information : Delete all outdated employer listings. 

Failure to Safeguard Personal Information : My personal data was compromised due to multiple data breaches, including : The Equifax breach ( XXXX ) XXXX XXXX XXXX  ( XXXX ) The Experian breach ( XXXX ) These breaches exposed my Social Security number, date of birth, and credit history, leading to fraudulent account openings. 

Violations Cited : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification. 

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) Failure to safeguard my personal data.

15 U.S.C. 1681s-2 Failure of data furnishers to ensure accuracy in reporting.
Product: Checking or savings account

USAA banks refuses to assist my elderly father in getting access to his bank account online. We have informed them several times that their request to send a code to the phone and email on the file will not work as my mother has changed his information to her personal email and phone. We have used their own system to try and recover the account but it did not work and does not say why. We have been trying for over a month to get assistance. On XX/XX/2023 we called and were informed our request for accommodation was denied and were refused the right to speak to a supervisor about out issue. They have been rude and staunchly refuse to even try a different method to assist us even when informed my father is elderly, does not currently have a computer, can not get their system to work and is XXXX due to XXXX XXXX.
Product: Checking or savings account

Hello -- I awoke yesterday with a near-XXXX balance in my Umpqua Bank account , after I'd just received a generous loan from a friend to help keep me afloat after numerous devastating hardships, including, but not limited to : -- being defrauded by my best friend and tax accountant for my entire life savings, -- the Pandemic hitting just as I was starting to re-build, -- losing supportive parents & grandparents plus -- fires and extreme weather devastating my rebuilding efforts. 

This complaint is not about the {$470.00} funds removed ( in error by another entity ) from my account, but for the -- Umpqua 's lack of notice and the -- EXORBITANT FEE of {$120.00}!! ( 26.3 %!!! ) charged against my account by Umpqua Bank for the dis-privilege of giving my extremely hard-earned {$470.00} to an external entity. 

I was told by the external entity who received my {$470.00} ( without prior notice, sadly -- another miscarriage of justice ) that " most banks do not charge fees '' to send them funds, and that I had to get the fees charged by Umpqua reversed by Umpqua. 

Spent over an hour on the phone at XXXX with XXXX, a lovely guy who I believe genuinely wanted to help, and his supervisor, XXXX, who both put me on hold 3x total to talk to XXXX and 2 others in the " Operations Legal '' department. 

I was told the {$120.00} fee was indeed an Umpqua fee, an Umpqua policy was non-negotiable, and one of the fees that they had zero power to change. 

So I've devastatingly donated {$120.00} plus many extraordinarily-more-valuable hours to Umpqua profits for the privilege of inadvertently paying another entity {$470.00} I do not owe. 

This has occurred at a time when I have XXXX income due to extreme hardships ( many of which others are experiencing at a more critical level than I. ) Clearly, we are suffering immeasurably from an extreme lack of oversight of our financial institutions and their general abuse of customers across-the-board. 

In a quest for profits and shareholder enrichment, we have created sociopathic systems. 

Fortunately, we are starting to recognize this societal destruction, and have the power to change it, something I'm passionately committed to, hence my wasting hours of valuable time to make entities aware of their abusive practices.
Product: Checking or savings account

On XX/XX/XXXX at the XXXX XXXX XXXX  in XXXX I experienced a water leak which left me without water the entire day.I contacted the front desk and complained.And they told me they would issue a refund for that day since I was unable to use the water. On the receipt for that day, I have adjustments that have been placed on that payment.However, there is no card number for them to have re issued the refund to on the receipt.So I was told to contact my bank and have them do a charge back. I even called chime and gave them the number and name of who to speak to regarding this refund. Chime never called them. My bank being chime, has decided 4 separate times to deny my claim of a charge back for a payment that the hotel has deemed should be refunded. I disputed this transaction on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX. Each time I am sent through the exact same processes that lead up to the exact same outcome. Chime has chosen to override the hotel authority of a refund and deem the payment as processed. The issue I have now is that after the the first rebuttal XX/XX/XXXX, I was issued a credit. It was then reversed before the second rebuttal XX/XX/XXXX. That reversal has taken my money and left the account in the negative for a month now. On a credit building account this negative balance has demolished my credit score. And this is unacceptable. Any good this credit building account has done has been undone to a degree leaving me worst off than when I started. How chime feels it has the right to do these things is beyond my comprehension at this time. Even with the reversal of reversed credit payment how do I rebuild my credit score due to this injustice? I am trying to get a new apartment and car. And my credit rating is preventing me from doing so. I'm disgusted with this company.
Product: Debt collection

I received a notice from XXXX that I have a collection account. I found that Southwest Credit Group has placed an account on my credit bureau. This account has been disputed with 2 other collection agencies and has been closed. But the creditor, XXXX XXXX, continues to place this account with other agencies. 

I am contacting you because I have been adversely affected by this credit reporting but SouthWest Credit Group has failed to notify me of this debt or their action to report this debt. I have received no notice or given the opportunity to dispute this debt. This is clearly a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account with XXXX account number XXXX was previously removed from my credit report as a result of FTC identity theft report number XXXX. The original account has been re-inserted into my credit report now as a different account number which is XXXX. Per the FCRA, the Credit Reporting Agencies are required to verify police reports and fraud affidavits for accuracy. As a result of prior identity theft reports, this account was deleted and blocked as a result of fraud. When the CRA delete and block an item as a result of fraud reference FCRA 615 - U.S.C. 1681m ( f ) ( 1 ) -Prohibition on sale or transfer of debt caused by identity theft. 1. In general - no person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 605B has resulted from identity theft.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith.

( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.
Product: Vehicle loan or lease

I tried to purchase and trade in a car through Carvana. After submitting my title, they requested " trade verification '' that the title was listed in a business entities name. Clearly, title had been transferred to my person in XXXX of XXXX on the title. I called on XX/XX/XXXX to get further clarification. The representative agreed that the title clearly showed transfer to my ownership and said they would cancel the request for additional information. On XX/XX/XXXX, less than 24 business hours after initiating the transaction, Carvana canceled and claimed to refund everything but the " non-refundable '' {$1900.00} shipping fee. After calling them again, they stated that they needed free and clear title, when I pointed out the language on the title certifying that " this title is free and clear of all liens '' they volunteered to refund XXXX to my bank account via ACH. It was an acceptable outcome. 

On XX/XX/XXXX I checked my bank account and saw that the money had posted to Carvana out of my account. When I called again on XX/XX/XXXX they stated they would not be refunding the {$1900.00} because it was " non-refundable '' and that I had agreed in the contract to pay the fee regardless of the reason for cancellation. When asked if they would review the recorded calls, they stated they only review calls under court order. When asked for a copy of the contract, Carvana sent me a mailing address for their legal department and stated that they delete all contracts if the transaction is cancelled.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some account that i am not familiar with. I have asked the credit reporting agencies for validation of dept, however the information has not been provided. Due to my information being exposed, i have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach, and a validation of dept letter.
Product: Credit reporting or other personal consumer reports

I have an inquiry that I never authorize for this company
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to poor 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 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 would like my money back for these violations.
Product: Checking or savings account

I checked my bank account this morning and it said I have an overdraft fee of - {$7.00}. I called and they said someone had put a check into my account on XX/XX/XXXX, which has no correlation to me at all. They also said I had withdrawn that amount of money, I didnt deposit nor withdraw the money from this. I have no recognition of this check and this is the 2nd time this has happened with Chase Banking.