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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report Identity Theft that has been going on for years. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I never opened up - XXXX Opened XX/XX/XXXX for {$630.00}, - XXXX Opened XX/XX/XXXX for {$210000.00} - XXXX XXXXXXXX Opened XX/XX/XXXX for {$250.00} - XXXX Opened XX/XX/XXXX for {$5100.00} - XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Opened XX/XX/XXXX for {$820.00} - XXXX XXXX ( Original Creditor : XXXX XXXX ) Opened XX/XX/XXXX for {$190.00} - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Opened XX/XX/XXXX for {$680.00} - XXXXXXXX XXXXXXXX XXXXXXXX Opened XX/XX/XXXX {$3200.00} - XXXX  Opened XX/XX/XXXX for XXXX
Product: Mortgage

I bought my house for {$250000.00} in XX/XX/XXXX. I refinance the mortgage without taking any money out on XX/XX/XXXX. The mortgage is now {$190000.00}, which is less than the XXXX % required to remove the PMI. I contacted Chase, my mortgage Servicer, a couple years ago when it was around the XXXX %, and they refused to remove the PMI. My payments are always on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15USC1681 SEC 602 STATES I HAVE THE RIGHT TO PRIVACY 15USC1681 SECTION 604A SECTION 2 UNDER CONSUMER REPORT AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION UNDER 15USC1666B A CREDITOR MAY NOT TREAT A PAYMENT CREDIT CARD ACCOUNT UNDER A OPEN AND CONSUMER PLAN LATE FOR ANY PURPOSE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I was wronly chrged thousands of dollars in overdraft fees around 2007. I request to be made part of the recent Wells Fargo $ XXXX settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit with American Express. The letter of denial stated that one of the reasons for denial was too many credit inquiries. American Express pulled my credit from XXXX. After checking my XXXX credit file, I noticed several inquiries that were either there by mistake or weren't authorized. The following are inquiries that were just repeat mistakes/errors : 1. AMEX  on XX/XX/XXXX 2. AMEX on XX/XX/XXXX 3. AMEX  on XX/XX/XXXX The only authorized AMEX inquiry was on XX/XX/XXXX. 

The next unauthorized inquiry was by XXXX XXXX XXXX on XXXXXX/XX/XXXX. Here, I was signed into my existing XXXX XXXX credit card account and a pop-up appeared offering me more credit with no harm to my credit file. I pressed the button, but recently realized that it now appears as a hard inquiry, not soft. This was specifically unauthorized. 

The next inquiry is one I simply don't even recognize and surely didn't authorize. 
It's labeled XXXX XXXX XXXX on my credit report. I don't even know what that is, hence it wasn't authorized. 

Lastly, XXXX on XX/XX/XXXX was not authorized. I have this credit card and I never asked for a credit increase. This seems to be a simple mistake. 

I pulled my XXXX file online and XXXX said I needed to call them to dispute inquiries. When I called XXXX on XX/XX/XXXX to dispute the inquiries, they refused to investigate and told me to call the credit company to dispute it with them directly. When I called AMEX, they told me to call XXXX because they are the credit reporting company and they need to remove it. When I called XXXX XXXX XXXX  they couldn't explain why I had an inquiry. When I called XXXX, I was transferred to several different departments and never got a resolution.
Product: Credit card or prepaid card

My Bank of America card was lost in XX/XX/XXXX. Unfortunately I did not realize the card was lost until my mother brought to my attention that I had a very high balance. This was in XX/XX/XXXX. I immediately called BOA to notify them that there were unauthorized charges made to my card. ( charges for restaurants I've never been to, excessive trips to, and amounts charged at convenience stores that I do not frequent, etc. ) They took down information and was told they would take care of it. I was credited with the amount of XXXX which was the amount of the unauthorized charges. On XX/XX/XXXX I received a letter ( dated XX/XX/XXXX ), a standard form letter, from them informing me that they had completed their review and that they had determined no fraud had occurred. I called them on XX/XX/XXXX and spoke to a very nice lady who told me that the reason they had made that determination was probably because " the charges made did not follow a pattern that they usually see when fraud is committed '' She assured me that hey would take another look at my case and they would contact me. I then received a very prompt letter, ( dated XX/XX/XXXX ) identical to the one I had received on XX/XX/XXXX. I contacted them in a letter of XX/XX/XXXX providing them with substantial evidence to prove my case, that letter was never answered, nor was my letter of XX/XX/XXXX. I continued making my monthly payments as agreed, and on XX/XX/XXXX I went in to the bank in my city and paid a total of {$4100.00} which was my balance, minus the XXXX fraudulent charges in question. I once more requested that my fraud claim be considered. They asked me to resubmit all the documentation via fax which I did. I received an answer, the same standard form letter denying my fraud claim. I was never given a clear and concise explanation of their investigation. I feel BOA has violated our contractual agreement of " fraud protection - XXXX liability guarantee I stand firm on my claim that fraudulent charges were made on my card, and I feel I am not liable to pay for them. I request that BOA show proof that a thorough investigation was made to support their findings that no fraud was committed. I also request that the balance " owed '' be taken off and my name be cleared from any credit bureau that might have derogatory information regarding this matter. I would appreciate all the help you can provide me. Thank you!
Product: Credit reporting or other personal consumer reports

The loan company stopped credit reporting in XX/XX/2023 and continue to report that I am 30+ days late since this date. This is not correct. It took them 30+ days to get me my payment history and they never updated my credit report. I have filed disputes and they still wont correct it. Since the date in the documents I have continued to pay them monthly. They did update their payment portal in XXXX which caused a change in some account numbers, this is not an error the consumer should be paying for. They need to get this corrected and merge the accounts and be ethical and honest about the credit reporting. I want my payment history fixed on my credit reports!!!
Product: Money transfer, virtual currency, or money service

XX/XX/2022 unauthorized money withdrawn amount XXXX. XX/XX/XXXX filed a fraud report and investigation through Citibank. The company told me it will take 10 business days for them to get back to me about their decision in regards to the case.
Product: Debt collection

I reported. a credit card from USAA that was not received and the company told me that I owed XXXX from this account.
Product: Credit reporting or other personal consumer reports

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 has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Subject : Dispute of Incorrect Collection Entry and Request for Investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XX/XX/year> To Whom It May Concern, I am writing to formally dispute an inaccurate collection entry that was recently reported to my credit file by Harris & Harris LTD, on behalf of XXXX. I was made aware of this entry through notifications from XXXX XXXX XXXX and XXXX on XXXX XX/XX/year>, and upon reviewing my credit reports with all three bureaus ( XXXX, XXXX, and XXXX ), I found that this entry appears on all three. 

I would like to clarify the following points regarding this dispute : No Account with XXXX : I have never had any form of account, service, or financial obligation with XXXX. Therefore, this collection is either the result of a clerical error, fraudulent activity, or is being attributed to the wrong individual. 

No Communication from Harris & Harris LTD : At no point have I been contacted by Harris & Harris LTD, either by phone, mail, or any other communication method. This is the first instance where I have become aware of any collection attempt by this agency.

I have already filed disputes with the three credit bureaus ( XXXX, XXXX, and XXXX ) regarding this incorrect information. However, I also request that Harris & Harris LTD be held responsible for submitting inaccurate and damaging information to the credit bureaus. The collection appears to be related to the wrong individual, and the process by which this collection entry was filed does not seem to follow proper procedure. 

I kindly request the following actions : Immediate Removal : I respectfully request the immediate removal of this inaccurate collection entry from all credit bureaus.

Investigation of the Collection Agency : Please conduct a thorough investigation into the practices of Harris & Harris LTD, particularly regarding the potential mishandling or misattribution of this collection. 

Communication Confirmation : I request written confirmation from your agency once this issue has been resolved, including the outcome of the investigation and confirmation that no negative information remains on my credit file. 

Thank you for your time and attention to this matter. I expect that this issue will be resolved promptly and that the necessary steps will be taken to ensure that my credit report remains accurate. 

Very respectfully, XXXX XXXX XXXX
Product: Payday loan

I took out this internet loan, {$300.00} and have been making installment payments every two weeks. I did not know that they were not licensed in Indiana that that their percentage rates were unallowed. As of this date I have paid back approx {$600.00} - their percentage is 761.09 % which is well above the percentage rate allowed. I believe that I do not owe these people any more money.
Product: Credit card or prepaid card

XX/XX/2018,, Signed Up For OverDraft Protection On My New Bank Card From Wells Fargo Bank,, Got An Email On XX/XX/XXXX,,, saying That My Account Will Updated,, So On XXXX XXXX,, Went To The Bank To Get Cash,, ( XXXX. ) + XXXX,, Using The Overdraft Protection,, Then I Went Today To Use My Bank Card My was Declined ( 4 ) Times ), I was Very Upset,,, This is So UnAcceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Carrington Mortgage spoke to 2 managers sent DM on XXXX on XX/XX/18. Credit report shows missed XX/XX/2018 payment, payment was made on XX/XX/2018 not the first time reporting incorrect information, their process is to file dispute wait 30 days. This seems to be a reoccurring problem
Product: Credit reporting

I have written three letters disputing all the items on my Experian Report. I have supplied Experian with the XXXX letter, title and attorney 's letter. I have attached copies of my dispute letter XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15. Experian has failed to remove the negative entries on my credit report. I can be reached at XXXX ext XXXX.
Product: Credit card

Account was closed, resolved and paid in XX/XX/year>. Creditor continues to report an open balance due.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Debt collectors are not reporting my payments. I am currently making monthly installments on every debt listed on my credit report. However, when I apply for credit, my report shows delinquent accounts, which negatively impacts my chances of being approved. My FICO score is higher than my bank score, but financial institutions are stating that my delinquent accounts need to be settled, even though I am making payments. The debt collectors are not reporting my payments accurately.
Product: Debt collection

I was contacted on Monday, XX/XX/XXXX with a voicemail from a XXXX XXXX, claiming to be a legal carrier and that I was scheduled to be served Tuesday, XX/XX/XXXX, either at home or at work. He provided a phone number to contact the creditor directly at XXXX, case file # XXXX. 
I spoke to a man who was trying to collect a debt from Check-n-Go payday loan. I did n't know if this company was legitimate or not because I was in my car and could n't look up the company. The debt is legitimate so I signed up for payments to pay off this debt. He was adamant that I needed to sign a release of funds from my credit union in order to charge my debit card. I had not faxed the form as of yet but I did receive a declined message in my email. First, I wanted my card to be charged every other Friday starting on XX/XX/XXXX. What I need to know is if this company is real, can they threaten to take legal action and can they take funds from my account without signing their document? 
I spoke with my representative today and he stated the opposite of what he told me on Tuesday. He said the email and release was for my records. I told him that it did n't make sense because he was adamant that I had to physically sign and not electronically sign the release. He stated in the second call, that I did need to sign the form in order to get my paper stating my account had been paid in full, otherwise, I would not receive this letter. 
I told him that did n't make sense because if its paid off, it 's paid off and again, he said I needed to fax it in. Then he told me he sent me a physical copy and that I could sign it and mail it back to him. I did contact my credit union and they said I could n't do anything at this point ; however, I can block this company from charging my card ; however, I 'm scared not too because I do n't want any legal actions taken against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account NumberXXXX, has violated my rights. 

15 U.S.C 1681 Section 602A.

I have rights 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.

15 U.S.C. 168 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: Money transfer, virtual currency, or money service

I am filling 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 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. I seek appropriate redress for these violations.
Product: Debt collection

I have been contacted through multiple text messages and a letter by Halsted Financial Services regarding a XXXX XXXX payment. I do not have any knowledge who either of these companies are or have never done business with either of them. Their messages are from various phone numbers and appear to be a credit/payment scam. No inquiry for credit from either of these companies appear my credit reports and I have no delinquent accounts from either of these companies.
Product: Mortgage

Carrington Mortgage Services , LLC opened fraudulent mortgage loan using our property information and my identity information on the XX/XX/XXXXof XX/XX/XXXXof XX/XX/XXXX. They did not report this loan to my credit history until XX/XX/XXXX. Recently when I found that this loan was opened by my stolen identity information in XX/XX/XXXXand not by any legal business process, I reported a complain to FTC. As a result, Carrington closed the loan for few days. Recently they again opened the loan account and sent me a foreclosure notice for non-payment on this loan. I have made it clear to Carrington Mortgage Service that unless and until they prove that this loan has been opened in XX/XX/XXXXlegally, I would not be paying them any money. Carrington did not provide me any proof of the legality of the loan. Moreover, they changed my property title by executing two forged mortgage deeds. 
Carrington issued two other fraudulent mortgage loan notes on our property. One was on the XX/XX/XXXXof XX/XX/XXXXof XX/XX/XXXXand the other on the XX/XX/XXXXof XX/XX/XXXXof XX/XX/XXXX. They serviced the loan in XX/XX/XXXX, when they were not even servicer of our mortgage loan. The other loan they are currently servicing since XX/XX/XXXX. Both these loans have been documented in Mers and the forged deeds are also recorded in the XXXX XXXX of Texas.
Product: Credit card

XX/XX/2016 ( exact day unk ) I made an online purchase to XXXX XXXX XXXX for a taser holster. The purchase was taking too long to arrive so I contacted the company as to the status of my purchase. I contacted the company via email a few times with responses. The dates are as follows : XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016. The last date is when I asked for a complete refund because I was getting the run around. Typically when I have made any purchases online I am not charged until the item gets shipped which I found strange with this company. Communication broke down after I requested a refund. I contacted my XXXX Master Card issued by Barclaycard on XX/XX/2016 to dispute the charge and I supplied them with all the emails and receipt for the transaction and was given a case number and told it would take 90 days to get resolved. When I did not hear back from Barclaycard I contacted them on XX/XX/2016 and was told the case has not been resolved until XX/XX/2016. On XX/XX/2016 I recontacted Barclaycard and was told the disputed charge should reflect within 48 hours. On XX/XX/2016 spoke to XXXX at Barclaycard regarding the dispute and was told there was an error and I was given a new case number. I contacted the credit card again on XX/XX/2016 and was told it would take 45 days from XX/XX/2016 to hear back from the merchant. It seems I am once again getting the run around but this time from the credit card as this dispute was first reported to the credit card beginning XX/XX/2016.
Product: Checking or savings account

On XX/XX/XXXX, around XXXX, I tried to pull money from the atm at XXXX XXXXXXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Oklahoma XXXX ( XXXX ). I attempted to withdraw {$160.00} from my CashApp debit card ; however, no money came out of the atm. 

The atm was buffering for a while and I began recording this action. As I was recording this on my cell phone, I received a phone call that stopped the video. I looked up at the atm and an error message populated stating, there was a problem dispensing cash. Please contact your bank. 

I tried to call CashApp, as it was the weekend, the contact center was closed. I was able to start a chat through the app, but it was an hour wait time to chat was a rep. Finally, a rep came on the chat line, and I told him what happened, and he sent a link to start the dispute. 

I gave them all the information that they requested ; however, I was not able to send the video with the original dispute because the only option I had was to send a file. But I only had a video. My cash app account was debited {$160.00}. My debit card was debited with a {$2.00} fee and a {$3.00} fee plus the {$160.00} even though I didnt get the money. 

Monday ( XX/XX/XXXX ), I called CashApp because I wanted to speak with a live person. I spoke with XXXX. I advised her that I had spoken with a XXXX XXXX rep before calling CashApp and the rep advised me that my bank will have to contact them to start the claim process. The rep from XXXX XXXX advised that CashApp will have to initiate the claim and all they will have to do is an audit on the atm ( which usually takes up to XXXX ). XXXX started a new dispute and advised me that I should get an email if they needed the video or more information. I never received an email requesting anything. I did receive a denial email though. 

I have several claims for this issue because I have been constantly reaching out to CashApp. I keep getting denied and I do not understand why. I have done everything that I know to do. The only way you can speak with a dispute rep is through email. Once a dispute is started, no rep will help. They can only start a new dispute. When I start a new dispute, they say that the original dispute was denied, and they will not respond to any of my questions about this case. They continuously say, is there another issue I can assist with. Therefore, letting me know that they are not going to continue to discuss this issue. I am getting nowhere with my case. 
I spoke with another agent on Monday ( XX/XX/XXXX ) that advised me that claim number XXXX is still being investigated and I should hear back on the claim sometime this week. He asked me to attach the video I had at the ATM when the error occurred, and I did. I received a denial for the claim again. I am confused because I am receiving lots of claim denials for claim numbers that have nothing to do with my original Claim.