23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB, I am new to credit and I am currently improving my credit. I checked my credit report today ( XX/XX/XXXX ) and saw that I have a few inquires that I never authorized. I had my social security number stolen in the past and thought that the credit bureaus put a freeze on my credit report so no one uses my SSN for credit. 

Here are the inquires that I never authorized XXXX XXXX XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

This complaint is about Ally Bank On XX/XX/2023, i logged into my account to do a XXXX transaction, this was my first time using XXXX  with Ally. The Ally app notified me that something went wrong and that i should call in to verify some information before i can proceed with XXXX. I called in at XXXX XXXX and talked to an associate that said that i would not be able to use XXXX  because they can not verify my number. 
After about an hour or so, i tried to log into the app again and this time there was different notification. It stated that i was locked out of my account because of 'fraud '. I called in again and they mentioned that, the bank is locking my account even though i had provided all the information needed to verify my identification. The customer rep for Ally bank said that the account will be frozen for 30 DAYS as they carry out the investigation. 
I am in need of the funds in the account since im currently traveling and that is my only source of income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never gave legal consent to XXXX XXXX XXXX to run my credit an their for causing an inquiry and a negative impact on my credit report and fico score.
Product: Checking or savings account

I have a Chase checking account ending in XXXX. I noticed a couple of fraudulent transactions that occurred in my account. I immediately told Chase and filed a claim to get this resolved. The XXXX unauthorized transactions that occurred were through XXXX. On XX/XX/year>, there was a charge for {$180.00} to an unknown person and the second charge, occurred on XX/XX/year> for {$250.00} to an unknown person. Chase denied my clam without an explanation holding me liable for unauthorized charges. There is not a valid reason to hold me liable for these unauthorized charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking my credit score throughout XXXX XXXX and noticed few hard inquiries that was made without my consent and i believe that someone is trying to use my identity for financial manners. These are the one I found on my report today XX/XX/XXXX by XXXX   XXXX XXXX XXXX ( XXXX ) Type : Automotive Date : XX/XX/XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX ( XXXX ) Type : Bank Date : XX/XX/XXXX XXXX XXXX, IA XXXX XXXX ( XXXX ) Type : XXXX XXXX XXXXAutomotive Date : XX/XX/XXXX XXXX FL XXXX XXXX ( XXXX ) Type : Finance Date : XX/XX/XXXX XXXX TX, XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Customer 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: Debt collection

Dear Sir. : I am writing this letter to file a complaint. My Aunt XXXX XXXX opened a credit account with XXXX XXXX in my name without my consent. I want the account closed, but XXXX XXXX refuses to discharge the account. They have sent the account to collections and may bill me in the future. The account number is XXXX. XXXX XXXX is my Aunt, and she is a retired employee of the XXXX XXXX XXXX XXXX. She does the XXXX  for my dad and others in our community. XXXX XXXX falsely claimed that I live with her. I do not live with her! She also claimed me as a dependent and collected a {$500.00} Stimulus Payment from the XXXX. In return, I did not get my {$1200.00} Stimulus payment. Only my dad can claim me as a dependent because he is my Social Security Representative Payee. He and I live together. He told me that he did not claim me as a dependent. 
XXXX XXXX are also billing me. I bought a XXXX XXXX. To get my online XXXX XXXX hooked up to my XXXX XXXX. XXXX XXXX attempted to bill me for XXXX. I do not owe them anything, and I want this billing to stop.
Product: Student loan

Im currently XXXX XXXX XXXX and MOHELA is still trying to charge me even though I'm XXXX  and XXXX XXXX. Ive informed them multiple times that I'm XXXX but they continue to charge me interest on subsidized loans that SHOULD NOT accrue interest while I'm XXXX XXXX
Product: Checking or savings account

I am no longer able to access my account with a third party. The bank basically told me that there wasnt anything they could do even though they are the ones blocking it!
Product: Money transfers

Advertized Restaurant for Sale. Engaged with purported owner.Eventually paid 10K good faith deposit. deal cancelled after she demanded full payment without providing bill of sale for assets and equipment. No business records supplied at all and the contract provided for sale was also incorrect. She has kept money, restaurant and personal belongings housed at site.
Product: Credit card

Missed payment due to loosing job. They keep calling 5-10 times DAILY! It has become a nuisance. Just started a new job and am waiting for first check. They call CONSTANTLY to the point its embarrassing and people at wk are noticing. Last month when they did this I told please stop calling more than the legal allowed seven times a week! That never stopped them!

Comenity Bank has illegally violated the Fair Credit Collectors Act and should be help accountable and looked it. Id like to see about filing a class action law suit against them.
Product: Checking or savings account

I opened the account at the beginning of XXXX, and I tried to Direct Deposit {$1000.00} from XXXX to HUNTINGTON BANK. I mistakenly sent the wrong directions, and after the banking message for one day grace period, I immediately deposited a {$2000.00} check into HUNTINGTON BANK. They took two weeks to review and told me my account was temporarily closed, and now I can not move any of my balance ; they used one week and still did not give me satisfying answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX XXXX XXXX   in an attempt to receive verification of the following items. 

XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Product: Debt collection

Williams and Fudge has repeated called and harassed myself, my family and my pace of employment in regards to an assumed debt in my name. I have repeatedly asked them not to call me or anyone associated with me in regards to this assumed debt. 
They have continued to disregard my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX acct. # XXXX and XXXX XXXX XXXX acct. # XXXX Dear Sir or Madam, Your company received notification from the following credit bureaus ; XXXX, XXXX, and XXXX  explicitly stating that I am a victim of identity and that debts incurred with your company are indeed fraudulent. You were sent copies of an identity-theft report filed with the federal trade commission along with an sworn identity-theft affidavit from all three credit bureaus. Unfortunately, these debts are still being reported on my credit reports. Having debts reported that I am not responsible for shall be deem as defamation of character and considered inaccurately reporting debts to consumer reporting agency 's. With that being said, you are in violation of the FAIR CREDIT REPORTING ACT and FAIR DEBT COLLECTION PRACTICES ACT. Continuously, having debts reported that I DO NOT OWE is a misrepresentation of my true creditworthiness. Failure to removed these debts within fifteen days from my credit report ( s ) shall lead to complaints filed with the Better Business Bureau and a class action lawsuit for various violations of the fair credit reporting and the fair debt collection practices act as follows reporting inaccurate information, defamation of character, and punitive damages for receiving unfavorable terms on loans due to your reporting of inaccurate information on my credit report ( s ) Thank you.
Product: Checking or savings account

On XX/XX/2022, I saw 3 fraudulent transactions on my banking app totaling an amount of {$360.00}. I reported them right away to my bank and they locked my card and sent out a new one. When these purchases were made, I was in possession of my physical card, but the transactions made were via XXXX XXXX and were in-person transactions. I filed a claim with the bank to get that money back since those purchases were not made by me. They denied my claim, stating that the purchases were made in my direct vicinity, using my card, and can not be disputed. I then took screen-shots of the transaction history on my XXXX XXXX showing that although the fraudulent purchases showed up on my banking app, they were not on my XXXX XXXX  transaction history because the purchases were never made using my device. Someone else added my card to their XXXX XXXX  and made in-person transactions from their phone. I re-submitted the claim after denial with supporting evidence of the screenshots of my XXXX XXXX  just to have them deny it again and tell me to get into contact with the merchants. I contacted the merchants, and was given information about the transactions such as transaction IDs and register numbers, and was advised to file a police report. Once I filed the police report, the detective in charge found XXXX footage of the exact register number and at the same time, the transactions showed up on my banking app. The suspect was a male and I am female. There is no way these purchases were made by me. As of now, the investigation is still underway to track down the suspect. I informed the bank of all of this information and was told " once we deny a claim, it is unlikely for us to look at further comments on that claim '', basically telling me to forget about the {$360.00} that I didn't spend. All of this happened over the course of 3 months, and I have made multiple phone calls to the bank, detectives, and merchants. The bank has given me the run-around since day 1 and refuses to listen. I now have to file a complaint with this bank, because this is the 3rd card that has been compromised from the same bank. I have had 2 additional credit cards, between my husband and I, from the same bank with fraudulent charges that have had to be locked and replaced and it was very inconvenient.
Product: Debt collection

I applied to be a Tennant at XXXX XXXX in 2020 and was told that all it was required was a {$50.00} application fee. 
At the end of the application, I was surprised with an additional {$500.00} as a " deposit. '' I inquired if I paid the deposit and decided not to move in if I would be refunded. The representative guaranteed me that yes I would be fully refunded. 
I decided NOT to move in, and asked for my deposit back. Months went by, and not only did not XXXX XXXX NOT refund my deposit but sent me an invoice for another {$570.00} claiming I had not paid the deposit and the application fee plus a {$25.00} returned check fee. ( I paid with a CC, not a check. I have and sent them both my CC statement and the receipt XXXX issued me for payment of the fee, and they still continue to charge me ) XXXX sent me to collections and reported me to a credit agency which ruined my credit. Even though they were the ones who owned me money. 
I took this issue to Small Claim Court and won a settlement for XXXX XXXX to pay me {$570.00} + Interest. 
XXXX refuses to pay the judgment and continue with their collection attemps and trying to ruin my credit even though I proved in court I was correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX XXXX, my credit report alerted me that there was a " late payment '' blemish from my unused Spirit Airlines credit card through Bank of America. I immediately called Bank of America, because I was not informed of any charges made to my card and did not receive any subsequent statements or notices indicating charges, balance and/or delinquency. When asked to furnish proof that I was properly notified of such, the bank was unable to comply. Accordingly, the account was then placed in good standing, the late fees were waived and the credit issue was remedied. By late XXXX XXXX XXXX, the " late payment '' blemish was no longer on my credit report and my XXXX XXXX was finally repaired from the error. By XXXX, my XXXX XXXX XXXX reached XXXX. Less than 15 days later, it dropped down to XXXX as a result of the erroneous " late payment '' blemish from Bank of America re-appearing on my credit report. I immediately disputed the previously remedied issue once more and did not have success. Bank of America refused to look further into the issue despite being unable to furnish proof of FCRA compliance and despite having fixed the issue initially. I have attached a timeline of my XXXX XXXX to this submission for additional context.
Product: Checking or savings account

I received XXXX  ( XXXX ) unauthorized transactions that occurred on my account, after the transactions settled, I reached out to the financial institution to dispute the transactions. XXXX XXXX XXXX or so the bank decided that the transactions were 'Valid ', XXXX ( XX/XX/2022 ), I received an email from the bank stating that my account will now be closed out after XXXX being a member, this was my main bank and I received direct deposits for multiple years through this bank and have a credit card through this bank as well. I am disappointed of their decision to decline my claim and close out my account. 

Transactions occurred throughout XX/XX/2022 - XX/XX/2022 that totaled up to {$3900.00} ( XXXX XXXX XXXX ).
Product: Checking or savings account

Wells Fargo has closed all three of my personal accounts ( 2 checking and 1 savings ) because they said that I had mishandled a previous prepaid checking account/debit account with them about 2 years ago. When they closed my accounts ( I had a total of 4 accounts with them at the time ) they stated that the reason for the closure was due to a check that had been deposited into my prepaid account that did not clear, and so they closed my account due to that reason. I tried to explain to them that it was not due to the check not clearing but rather it was due to me going through a Chapter XXXX   Bankruptcy at the time which is what had caused the issue to begin with. Nobody wanted to hear me when I tried to explain to them that this is why the issue happened and not because of a returned deposit item. I have been a long standing customer with Wells for many many years, since 2001, actually, and if this is how they want to treat a long standing good customer like myself who has stood with them through the ups and downs, then I think that is wrong and I hope that they can reconsider keeping my current accounts open with them because I have never tried to mishandle any of my accounts with them since 2001. In fact, because of the bankruptcy, I believe that I should be given a second chance with the bank and not treated like a criminal because of this issue.

Also, what transpired recently was that the Bank gave me a final date as to when they were going to close all three of my new accounts with you, however, only 2 accounts had been closed on that date while the third account was left open without my knowledge or any communication regarding this from the bank. So essentially, I had an open account this whole time without even knowing it. Now, I have come to find out that it was just closed due to a {$67.00} overdraft that had been left unpaid for 60 days because I never even had a clue that this account was still open and that there was any kind of a negative balance that remained unpaid. I will go down to a branch and pay that {$67.00} happily now that I know, however, the issue is that now this mystery account has been closed, and I would like for it to be reopened due to the fact that I was never informed that it was going to remain open after the deadline date that had been originally given to me to begin with. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, ACCOUNT RESOLUTION SERVICES ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX FL, XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sol and I am no longer responsible for the account. I've written a goodwill letter, called multiple times and provided proof of fraud activity goin on my name. I was told from one agent it will be removed and I have received no efforts.Debtors creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature doesnt not validate the debt and anybody can send me a bill and say its mine. According to the FCRA, ( ACCOUNT RESOLUTION SERVICES ) has violated my rights as a consumer and im requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report recently and noticed that there still remains information on my credit report that does not accurately reflect me. I've requested many times for a removal of these accounts from my credit file, but no proper actions were taken.

I've attached all correspondence, so all information is understandable. There are three accounts and have too many inaccuracies. I'm also aware that this furnishing violates my personal and privacy rights. 

Can you help me with this?
Product: Debt collection

I have been dealing with ConServe for nearly 2 years. The debt was " paid in full '' and closed on XX/XX/XXXX. I also looked on my full credit report that showed ConServe illegally re aged the debt ( date of first delinquency ). XXXX  have XX/XX/XXXX while XXXX  and XXXX  has XX/XX/XXXX. This is unacceptable and it needs to be deleted off my credit report, so I can start rebuilding my credit. Attached will be a copy of my full credit report, ( look under date opened ), and the dispute letters sent to the 3 credit bureaus. 

Failure to due so, I will pursue legal action.
Product: Debt collection

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with an account listed under XXXX XXXX XXXXnd validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing the credit report again on XX/XX/2022 there have been no updates and the account is still reflecting on the report. I do not believe that the creditor has authorization to access the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit card or prepaid card

XX/XX/2022 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX  XXXX Account # XXXX XXXX Phone : XXXX To : Dispute Department Hello, On XX/XX/XXXX Comenity Bank withdrew a full payment of {$9600.00} ( transaction ID XXXX ) from my XXXX  checking account. 
I called customer service and requested to return that payment because I didnt have intention to pay off in full at that time. 
In your system on XX/XX/XXXX you posted an ADJUSTMENT PAYMENT to my XXXX checking account in the amount of {$9600.00}, which was received by my Bank account on XX/XX/XXXX. 
On XX/XX/XXXX nd, my bank account have received unexpected REFUND from Comenity Bank on the amount of {$9500.00} ( PPD ID : XXXX ). This transaction was immediately REVERSED back to Comenity Bank. 
In the meantime in your system I can see a CREDIT REFUND in the amount of {$9500.00} posted on XX/XX/XXXX, but dont see the REVERSAL. 
Please see enclosed proof from XXXX XXXXXXXX that REVERSED transaction went through to Comenity Bank. 
Attached is a copy of my checking account to confirm the REVIRSAL of the CREDIT REFUND. 
Since accidental refund on XX/XX/XXXX was returned to Comenity Bank, my reminding balance was {$9600.00} which I paid off on XX/XX/XXXX. 
Payoff transaction is reflected on my checking account as well as on my account with Comenity Bank. 
Please solve this problem from your end. 
Thank you, Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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 need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX Balance : {$0.00}