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

On XX/XX/XXXX and XX/XX/XXXX I have contacted USAA about billing statement, payment, and Date of First Delinquency issues. 

First billing statements are missing the year of XX/XX/XXXX, which I believe is the start of the date of the first delinquency. 

Second payment history, I can not see when a payment was made by whom, or where it came from. 

Date of first Delinquency keeps changing, between credit bureau and USAA. 

In addition to this my debt was forgiven in XXXX tax year. 7 years after the original charge off date. See attached.
Product: Credit card

The reason provided to me for not increasing my credit limit was not able to verify my income/ financial information provided. The customer representative pulled my credit report after I provided him with my annual salary. In reality, it is impossible to verify income based on the credit report. 
Now, when I was talking to XXXX XXXX XXXX on XXXX, XXXX 2024 for XXXX minutes regarding the same ( where she is more willing to argue rather than making efforts to solve the issue ), she came up with a completely different answer which is controversial to the official letter provided to me. The new reason she told me was " I asked Wells Fargo to cancel my application ''. Now I want to ask them why there is this severe contradiction between the XXXX answers. And, it also means that the official latter date XXXX, XXXX, 2024 was completely wrong. 
This is the last chance I am giving to Wells Fargo to rectify this mistake otherwise I will take this matter to small claims court. 

Thanks XXXX XXXX
Product: Checking or savings account

on XX/XX/23 XXXXXXXX XXXX i deposited a check for {$1000.00} and verified the amount the machine printed out my deposit with a copy of the {$1000.00} check but only credited {$100.00}. then the machine went out of service. i went inside, the banker told me to go the teller who told me to call the number on the receipt. i did they told me it would take 10 days i asked for a supervisor who said the same thing and there was nothing she could do. the check writer is my daughter we are both wells fargo customers. 25 minutes on the phone five transfers 5 different people all same resuls
Product: Debt collection

Hi. I am contacting you regarding a few medical bills that are on my credit report. 

1 ) I never received notice from the doctor or the debt collector that these bills were even due. In fact, I have seen this doctor as recently as last month. Never once did the office mention these bills, I only found out about them after viewing my credit report. 

2 ) These medical bills are for a nerve block procedure that I receive for XXXX related XXXX. The doctor who gives the shots is a XXXX XXXX. My credit report now has in bold letters, that I have been treated at the " XXXX XXXX XXXX '' clinic. 

For one, I was not even treated for XXXX. Even so, this is a severe breach of the HIPAA Privacy Rule, as anyone who pulls my credit ; from potential employees, to landlords, will see what appears to be my medical history ; that I am being treated for some sort of XXXX. This would translate to them, as missed work days and rent payments. 

3 ) Furthermore, these bills were all incurred while I was a student at XXXX XXXX. My father is responsible for all of my medical bills as long as I am still in XXXX. 

I contacted all 3 credit bureaus. XXXX removed all 3 Choice Recovery accounts from my credit report. XXXX for some reason removed 2 of the 3 accounts, and left one of them. XXXX did not remove any of the accounts. 

I contacted the collection agency and the rep seemed quite pleased to inform me that they will not bill my father, and that even if I paid the bills, they would not remove the accounts or the incriminating information. 

I have submitted screenshots of the Choice Recovery accounts on both XXXX and XXXX. I have also submitted copies of .the court order stating that my father is responsible for my medical bills. 

The collection agency is : Choice Recovery XXXX XXXX  XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Please let me know if there is any other information you need and if you will be able to help.
Product: Checking or savings account

How Bank of America didn't protect my money or secure my bank account.

Apparently I was spam bombed with a few thousand emails. This started on XX/XX/XXXX th and has continued to present. I did research and discovered that spam bombing is used to cover up financial attacks so on XX/XX/XXXX I changed all my passwords to all my accounts. 
However little did I realize that earlier someone had according to Bank of America logged into a : '' trusted device '' and transferred {$7500.00} to a XXXX XXXX. 
Never hear of this person. Somehow the hackers managed to change my bank profile settings and enroll their telephone and sign up for safe pass which allows someone to transfer more than {$5000.00}. At no time did i ever get a warning or a text from BofA. 
I have had this business account for over 20 years and have NEVER done a transfer like this. Red flags, Nothing On XX/XX/XXXX I discovered the theft and filed a claim with B of A. 2 days later XXXX XXXX in the fraud investigation department emailed me a letter stating my claim was denied because it was on a trusted device. In spite of repeated attempts Bank of America never supplied me with any information about devices or routing numbers of where the money went to. I am unable to file and FBI report because Bank of America has not been stonewalling me. They told me they were trying to recover the money from XXXX XXXX but on the other hand stated they never actually spoke with anyone at XXXX XXXX.. 
So I am now out {$7500.00} Bank of America completely failed to protect me, failed to honor their if your a victim of fraud your not responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX / 16  Called credit bureau to try to have inquiries removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly for years now called, mailed, and electronically sent the Information required to remove these fraudulent items from my Credit report. Ive sent police reports, FTC.gov reports, etc. My calls have been sent overseas, and hung up on repeatedly. This must stop. The should be held accountable
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to correct my personal information on file with the company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XX/XX/XXXX. I do not wish to have any telephone numbers on my report. Below are the negative accounts impacting my credit : XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX & XXXX XXXX {$120.00} XX/XX/XXXX
Product: Credit card or prepaid card

XXXX XX/XX/2022 I was approved for the Paypal XXXX XXXX credit card with XXXX XXXX, the 2 % reward card. The card was then linked to someone elses paypal account who then made fraudulent charges. I had them cancel the card before the physical card had shown up in the mail. After issuing a new card and receiving it in late XXXX, Paypal has not linked this card to my Paypal account. I have no online portal to access this card or its statements. I also can not get any rewards from this card as they are all paid directly into the paypal account with no way around it. There is no alternative offerd by XXXX. I have attempted dozens of times calling them over XXXX, and XXXX, until now. They have submitted 3 linking requests, none of which have worked. I call paypal, spend 2 hours on the phone as they transfer me and re route me or hang up on me, and end up being bounced back and forth between Paypal and XXXX XXXX. Paypal blames XXXX, XXXX blames Paypal, and not a single person has stepped in to help. I have no way to get any further with either of them. XXXX and this card still is not linked to my account and there is no sign of progress or help from anyone to get it done.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XXXX Consumer XXXX : XX/XX/XXXX I am filing this complaint because I am a victim of identity theft. Unauthorized accounts and transactions have been opened in my name without my knowledge or consent. These fraudulent activities have resulted in the following inaccurate items being reported on my credit report : The fraudulent activity includes the following items : An Account Opened at XXXX bank # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX # XXXX. 

Nature of Complaint The presence of these items on my credit report is in direct violation of my rights under multiple federal laws. Specifically : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 : As a victim of identity theft, I have the right to have these fraudulent items blocked from my credit report within four business days of notifying the consumer reporting agencies. These agencies have not complied with this requirement.

FCRA 15 U.S.C. 1681e ( b ) : Consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. The continued presence of these fraudulent accounts demonstrates a failure to verify the accuracy of my credit report. 

XXXX XXXX ( 15 U.S.C. 6802 and 16 C.F.R. 313.7 ) : I am exercising my right to opt out of the sharing of my personal information. Despite this, these accounts continue to be reported without my verifiable consent.

Privacy Act of 1974 : The mishandling of my personal information, leading to the erroneous reporting of these accounts, infringes upon my right to privacy and the protection of my personal data.
Product: Debt collection

On XX/XX/XXXX, was advised by XXXX XXXX representative to come into the branch to get the letter that is requested by debt collector, that I XXXX XXXX is the primary account holder. On XX/XX/XXXX my earning were withdrawn, and the money is prepared to be sent to debt collector that has nothing to do with me. My payroll check is payed to me not the joint owner. Therefore, no transaction on my account should have been made without proper communication or authorization. On XX/XX/XXXX, went into the branch office to request help for getting a letter proving that the joint owner is not the primary account holder. Due to the staff knowing why I was there, I went unnoticed for a while. The branch manager knew of the situation due to the prior week of myself and spouse coming there and she did not acknowledge us and ignored us in which was unprofessional because she was not helping anyone let alone on her computer. She was actually engaging and laughing with staff members. Very unfair process, because I am not a criminal and this situation is beyond myself and spouse due to his father using his identity for years.
Product: Credit card

Re CFPB Case XXXX. Capital One committed to crediting my account with {$2300.00} and " immediately '' issuing a check to me for that amount. On XX/XX/XXXX, a Capital One telephone representative confirmed the check had not been sent and would have it send. It now been another month and I am now, owed {$2300.00}, that is the principal plus 1 month interest at 23.24 % APY. That is the interest rate Capital One was charging my account when I had a positive balance in their favor. Next month 's interest charge will be {$45.00}. My next step will be to file a consumer complaint with the Arkansas Attorney General 's Office including additional complaints against CapitalOne.
Product: Money transfer, virtual currency, or money service

Here is the text from the image you provided : 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 and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : Chapter XXXX Bankruptcy / XXXX / {$0.00}
Product: Credit reporting or other personal consumer reports

This was removed but since the credit report against want to blame the credit card company and say I had more XXXX acount from XXXX XXXX XXXX  show me so this help the other investigation.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccurate names, addresses, and employment information. 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. These names, addresses, and employment information : NAMES : XXXX XXXX XXXX, XXXX XXXX XXXX. ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. EMPLOYMENT INFORMATION XXXX XXXX XXXX, XXXX XXXX XXXX. According to 15 USC 1681s-2, 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. Additionally, 12 CFR 1006.34 ( c ) ( 4 ) ( l ) have not been given the chance to dispute account.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, Experian and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding.
Product: Credit reporting or other personal consumer reports

I leased a vehicle through ally in XX/XX/XXXX, and in XX/XX/XXXX I sold the vehicle as a dealer buyout. Fast forward to earlier this year ( XXXX ) I was made aware that there was a balance on the account that I was not unaware of. I decided to do a payment plan for the balance, upon completing the payment plan on XXXX XXXX, they reported my account as late, delinquent and settled, which dropped my credit score more than 100 points. I feel like this was unethical and I was not made aware that this was being report to the credit bureaus, and figured this was just a in house matter. I have had my credit history for then 15 years and I have never in life had a late or Miss payment, this 100+ point deduction on my credit report has been detrimental to me and my future
Product: Debt collection

My previous CFBP complaint was closed prematurely even after I informed CFBP that the response that Nationstar submitted was not sufficient and that they submitted fraudulent document ( s ) to CFPB in an attempt to prove their response was correct. ( See attached CFBP case number ) I provided the proof then and I now have additional information. I have continued to investigate, I am continuing to uncover more evidence which proves that Nationstar fraudulently submitted documents to CFPB and XXXX XXXX XXXX XXXX that resulted in a foreclosure decision in which Nationstar and XXXX  XXXX XXXX were able to still my home. ( See Attached assignments ) As of XXXX XXXX, I am now homeless and I need to continue to have this issue investigated and resolve. Attached are fraudulent assignments from original " lender '' which the entity was no longer in business when Nationstar documents were created. In addition, XXXX XXXX XXXX Mortgage did not assign the note to MERS or any trustee as shown in paragraph 24 of the deed of trust ( See attached ). Thank you.
Product: Credit reporting or other personal consumer reports

If, 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 resulIf, 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 reinvestigationts of the reinvestigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I rally need some help here I feel like these credit reporting companies are ignoring me. I've called numerous times i've disputed incorrect information i saw on my account since XXXX and I haven't heard a single verification, response or anything. These companies are in violation of 15 united states code 1681 ( i ) it has been almost 70 days and they are really causing me stress since these inaccurate items are hurting my credit report. I asked them for simple proof as to who the debts belonged to and they haven't even been able to provide me that. The debts are not mine. I reached out to the debt collecting companies too but still no luck. I have no idea what else to do because i don't want to go to litigation with these companies but i really have no other choice. I know you are here to protect us so please help me. My information also may have been compromised in the Equifax and XXXX data breaches
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that I failed a XXXX test and I would like to dispute that accusation.
Product: Credit card

On XXXX XXXX a fraudulent charge for {$120.00} appeared on my statement from Barclays. They were notified of this charge and said they would investigate which led to them to a false conclusion in a XX/XX/year> letter I received which stated based on information available have concluded that the transaction is not fraudulent. 

Not only is this wrong but Barclays let a card that was stopped early XXXX by the bank to process this transaction when it should have been denied
Product: Debt collection

I have asked FMS to verify that I owe this debt on three separate occasions. I attached the letter that i have sent. Their response has been that they only have access to certain information. They have not provided the original copy of the contract between myself and the original creditor, the proper legal assignment contract between them and the original creditor. A line by line accounting of the original account, including detailed transaction history. Proof that they are licensed to collect debt in Colorado. 

What they have sent are a bunch of statements with no transaction history. They just show late fees on top of late fees. Absolutely, no transaction history. 

I have spoken with a lawyer and he told me that without the above referenced verification this will not stand in court. 

Once, again I am requesting what I asked for in my original letter. If you can not provide that to me, collection efforts need to stop. This is a clear violation of the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrectly to Equifax ; XXXX  and XXXX a ( 30 ) day late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had moved and contacted XXXX and provided them with my updated contact information in addition to making my XXXX payment. I have never missed a payment on this account. XXXX XXXX XXXX incorrectly posted the payment and consequently this error caused a late to report. I was not aware that there was a late showing until I obtained a copy of my most recent credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX to remove this however, I have not been successful.
Product: Student loan

I have a private student loan with XXXX XXXX some time ago they sold the loan to Navient. There have been making auto payments out of check since 2010. I have also been making payment to Navient Both parties are claiming they own the loan and will not t tell me who owns the loan. Navient is most rude and hang up when you are communicating and tell me to contact XXXX XXXX. XXXX XXXX tells me to contact Navient.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly the light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They reformed me that recovering lost funds was impossible and that tracking these transactions was unfeasilble. The CFPB findings indicate that Zelle not only has neglected to protect consumers but also has allowed repeated offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is WILD and raises concerns for consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX and I am a victim of identity theft please remove this fraud inquiry from my credit report. I don't want any security freeze nor fraud alert yet but once I do I will let you all know.
Product: Debt collection

They sent me a judgment letter the dates for court weren't set up for me and the judgment was 17 years old and wasn't mine the debt was from XX/XX/XXXX and I got a letter XX/XX/XXXX and judgment was first stated at {$5300.00} and judgment was {$8200.00}
Product: Debt collection

I am deeply concerned about your repeated failure to address the inaccurate information on my credit profile despite multiple requests. Specifically, the account in dispute is as follows : XXXX XXXX XXXX