23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 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. 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. The following inquires has also been opened up under my social security number fraudulently. Resident Verify XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 2-3 years I have tried to get 4 student loan accounts that should have aged off my report 6 years ago. Trans union and XXXX disputes has always resulted in saying the creditor has deemed the information accurate and therefore will stay on my report, despite all evidence I show otherwise. I have tried disputing with XXXX as that is the company both Transunion and XXXX  tells me is the company reporting the items. I filed two complaints against XXXX through CFPB. The second complaint resulted in XXXX reiterating they are not the ones who are reporting, XXXX  is. XXXX also instructed to call the number XXXX, listed on my credit report, for any concerns specifically for the credit reporting in question. That line connects directly to XXXX. I also contacted XXXX and as I have said over and over again, they have checked the national credit bureaus and there zero records of any reporting is being made. I showed them the items in question and they instructed me to contact XXXX. So if XXXX  claims they are not the ones reporting, and XXXX  says there are no records of any reporting being made, why are these accounts that are negatively impacting my score still on my report??? Why do both credit bureaus refuse to delete these marks off my credit report if both companies claim they are making no such reports to them. I have contacted XXXX, XXXX, XXXX XXXX, Even XXXX  XXXX XXXX - they all claim they are no records of them ever reporting to credit bureaus.
Product: Money transfer, virtual currency, or money service

Im unable to access my funds online and my bank account is going to shut down due to suspicious activity because of it.
Product: Debt collection

I provided the contract for this vehicle which was not financed by this company on XXXX. The company is not named as the assigned or loss payee on the contract and I have never taken a loan with them. Just because they have a paper with the price and monthly payments of the car doesnt mean they are the creditors. XXXX needs to properly examine documents in a dispute instead of automatically favoring the false account reporters.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX : XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  Date Updated : XX/XX/XXXXXXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I initially filed a dispute on Experian about misinformation on two cases on misinformation. Experian denied to follow up with the investigation. I was recently notified that CFPB has a lawsuit against the company ( Experian ). They alleged the company of accepting unreliable information, failure to notify consumer disputes results. This aligns well with my problem I have! Experian has not yet fixed or correct any mistakes on my information. Im requesting these derogatory remark to be removed immediately as its affecting my chances of getting a car for work. Experian violates my rights as a consumer as well as a federal law.
Product: Mortgage

My mortgage is being serviced by Citizens Bank. I went on forbearance last year during COVID in XX/XX/XXXX. In XXXX of XXXX I requested a deferral agreement following the COVID forbearance and it was approved as of XX/XX/XXXX. I have made monthly payments since XX/XX/XXXX. However, my account is still reporting as in forbearance to the credit bureaus and on my mortgage statements. 

The payments I make each month are placed in a suspense account and despite calling over 100 times since XXXX to get this resolved, I have been told that this will only be resolved " once the system updates '' and that this is for my own protection. 

However, the problem is that I am in contract to purchase a home with a deposit in escrow and due to the current forbearance status I am unable to close on the property. If this continues to be an issue for much longer I will lose my deposit, as this property was being used as a bed and breakfast and they have every right to take my deposit due to lost revenue.
Product: Money transfer, virtual currency, or money service

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 proce 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.
Product: Credit reporting or other personal consumer reports

Recently reviewed my credit to discover that I have been a victim of identity theft and this account was opened in relation to this event without my knowledge and or approval fraudulently. Sent written communication to company on XX/XX/year> with tracking that was received on XX/XX/year> as well as verbal communication via telephone to advise of this and to get item removed but company keeps updating information on my credit report. Submitted prior complaint to receive resolution from the company with a case number of XXXX wherein the company stated that they verified that the information belongs to me. My complaint states that the account was opened as a result of Identity Theft wherein my information including name, addresses, phone number, email address, and banking information were all compromised. The company referenced and electronic promissory note that was signed as well which was also falsely signed and as such can not be used to accurately verify identity. Any and all agreements signed pertaining the opening of this account and all subsequent transactions including those with the credit bureau were not authorized. That being said I have completed and FTC Report and a police report with my local law enforcement and have submitted said documents to the credit bureaus and to the creditor to request removal and have attached them here. If the account is not removed from my credit report and blocked or if it re-emerges then I will purse legal action against the creditor and the credit bureaus and seek damages for violation of consumer protection afforded by the FDCPA and for defamation and financial injury as afforded by the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX if there is no response within the XXXX business days mandated by the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting lates on my credit file. These lates are for the months of XX/XX/20, XX/XX/20, and XX/XX/20. During this time the pandemic hit and i was financially impacted. On top of this my family was diagnosed with XXXX, making it even harder to make these payments. Me and my wife were out of work for a few months. Making my payments was completely out of my hands as i could not work. I have had accounts opened with you for a long time and have done a good job at keeping them in good standings so i am asking that you please remove these lates from my credit file not only because i am a good customer but because this situation was completely out of my hands. I was late due to COVID
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected rights to consumer privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX  has violated my rights. 15 U.S.c 1681 section 602 A. States I have a right to privacy.15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

They call me several times a day but never leave a message. I called and asked them to stop. On my 10th wedding anniversary I called them and told them to stop. They demanded to speak to my wifes maiden name so I knew they had a severely old account. He gave me what I believe to be a fake name and said he was from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. He refused to give me any more information than that. He also refused to ever tell me their contacting me was an attempt to collect a debt. He knew her full social security number and date of birth, maiden and married names, middle name, and current plus past addresses. 

Anyone could have provided him with the information she gave him and then been provided her full social without her consent, subjecting her to a lifetime of identity fraud. They claim Wells Fargo hired them and they are filing suit. I told them I represented her and they ignored that and demanded to speak to her. He then proceeded to insult me even though all three of us were on speakerphone, she was listening but I advised her not to speak and that really XXXX the collection scammer off and he yelled " we aren't in the 50 's anymore, she isn't your property ''. Made me exceptionally angry when I was already sick and it was our decade wedding anniversary.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. 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 ( DF ) are not complying with federal law in regards 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 account removed from my file. 
NEGATIVE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Inaccurate Personal Information : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

claims we owe {$2000.00} for no services rendered never provided proof in 3 moths in violation section 809 Fair Debt Act
Product: Checking or savings account

This is a follow up to my previous complaint with CFPB, Complaint # XXXX which Bank of America indicates has been resolved. I contend that it is not. Can someone please validate that my complaint has or has not been resolved. I would like the CFPB to determine whether Bank of America has adequately resolved this issue or not. I responded to their response to my previous complaint and indicated that they had not resolved this issue. I spoke to 'XXXX  XXXX from Bank of America and was not satisfied with his responses to my questions.
Product: Checking or savings account

On XX/XX/XXXX I placed an order with XXXX XXXX XXXX XXXX  using a coupon. Somehow someway, it made my entire transaction free, I was only asked to enter my debit card number to pay for shipping. I entered my information and authorized them to debit my Chase account in the amount of XXXX. 
On XX/XX/XXXX I got a notification from my bank ( Chase ), letting me know I made a purchase totalling XXXX which I didn't. I immediately logged in to find out what it was, and it was a charge from XXXX XXXX XXXX XXXX. I went back to look at my confirmation email and that was not the amount I agreed to pay. I contacted Chase Immediately to have the charge reversed, I contacted XXXX XXXX XXXX XXXX ( total bust ). Chased reversed the transaction and told me they would contact me if they needed more information. They contacted me and asked me to call, which I did, I sent the email I received from XXXX XXXX XXXX XXXX showing the amount I was supposed to pay, which was XXXX. They told me I would be updated and contacted if they needed something else from me. 
XXXX XXXX I noticed the money was reversed to XXXX XXXX XXXX XXXXXXXX XXXX I contacted Chase again and spoke to a XXXX for the Claims department. He told me that the reason the charge was reversed and my claimed closes, is because during the investigation, they found the purchase was made in store, therefore I had authorized the XXXX transaction. I reassured him the transaction was made online, and that i didnt authorized that charge, he didn't believe me. I asked him to review the faxes I sent. He finally said he was requesting to reopen the claim.he told me it would take 3 days to do so. 
XXXX XXXX Contacted Chase yet again to check on the status of the claim, I was told by another supervisor that they would not be re-opening my claim, because I didn't have proof I used a coupon. I was never told that before, the only thing I was asked to provide was the email conformation showing the amount I was supposed to be charged. I am a single mother on a fixed income, I don't have the extra money for unauthorized transactions. Chase is on the wrong and they are not willing to admit their mistake.
Product: Credit card or prepaid card

I have a XXXX XXXX AAdvantage Executive Platinum credit card from Citi bank. I pay {$450.00} annual fee which is tied to my XXXX XXXX AAdvantage account which also gives me access to the XXXX XXXX around the country. I use this card to book my flights as I travel quite often and also for everyday purchase. Recently, Citi bank closed my account all of a sudden without informing me. I could not use this card to access the XXXX XXXX as my access was denied. Also, I could not purchase anything. I was trying to pay for my rental car at the airport and even that transaction was declined. I always paid my account on time and more than the minimum due amount every month. I had to face embarrassment because what Citi bank did. I have no idea why my account was closed without any proper explanation. Citi is refusing to reinstate my account and also not giving me proper explanation for their actions. I feel like being manipulated by these big credit card companies and my financial needs is dependent on them which should not be the case. They are also refusing to credit back pro-rated amount of membership of {$450.00} that I paid beginning of this year as they have closed my account without any valid reason and unexpectedly. I need some answers please. Thank you, XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX, I experienced a fraudulent ACH transfer of {$4800.00} from my XXXX XXXX account to an unauthorized XXXX account. The scammer cleverly spoofed XXXX XXXX 's customer service number, making it appear legitimate. While I didn't reveal any personal information, the scammer initiated the transfer regardless. 

Disturbingly, XXXX XXXX acknowledged they are aware of this spoofing tactic and that scammers replicate their scam alert process. Furthermore, they claim all customer information is already compromised on the dark web. 

My Concerns : Security Gaps : Why hasn't XXXX XXXX changed their customer service number or implemented stronger authentication methods if they know it's being spoofed? 
Customer Awareness : Why haven't they proactively informed customers about this vulnerability? 
Delayed Resolution : XXXX XXXX requires an investigation before crediting my stolen funds. This delay is unacceptable, and the stolen amount should be immediately reimbursed. 
This incident highlights a concerning lack of customer protection. XXXX XXXX seems aware of the scam methods yet fails to take adequate preventative measures. 

I urge XXXX XXXX to : Improve security protocols to prevent further spoofing. 
Inform customers about these scams and how to identify them. 
Expedite the return of stolen funds.
Product: Debt collection

Amsher collection service account is on my credit report and it has not properly validated the debt according to the FDCPA. I contacted the original creditor XXXX XXXX  they agreed to remove the account but said it was owned by XXXX. 

Both Amsher and XXXX collection agencies are trying to collect on the same debt. I would like Amsher collection to be deleted from all three of my credit reports immediately for violating my rights.
Product: Checking or savings account

My complaint concerns Barclays Bank Delaware. I opened my online savings account at Barclays Bank in XXXX, and in the eight years since, I never had any problems with this account until last week. Barclays allows customers to link up to three external accounts for fund transfers. I already had two linked external accounts, and decided to add a third account which is an established savings account I have had at XXXX XXXX XXXX  since XXXX. On XX/XX/XXXX I entered the required account and routing number to set up the third account on Barclays website, and shortly after received an email from Barclays stating that two small trial deposits would be sent to the XXXX  XXXX account within 2-3 business days ; I would then need to log back into my Barclays account to verify the trial deposit amounts to finish linking the account. It should be noted at this point that I was not attempting to transfer any funds, I only wanted to add this account for possible future transfers. On the evening of Monday, XX/XX/XXXX I received another email from Barclays stating that my account access had been suspended. No reason for the suspension was given, but the email requested that I call Barclays Customer Care " so we can review recent activity on your account and restore your access. '' I called Customer Care on the morning of Tuesday, XX/XX/XXXX and was told my account had been suspended because they needed me to email them a bank statement from the XXXX  XXXX account that I had recently tried to link. I was given an email address to send the statement to, which I immediately sent. I was told it would probably take " around three business days '' for my online access to be restored after they received the copy of the bank statement. Interestingly, the two trial deposits were made to the XXXX XXXX account on XX/XX/XXXX, but since I had already been completely locked out of my Barclays account the day before, I had no way to verify them. More than one week has passed since my account was suspended, and I am still completely locked out of my Barclays account. I have sent Barclays copies of the XXXX XXXX bank statement twice in the past week, and so far they have not responded in any way. Any assistance you can provide to recover my savings and restore my account access will be greatly appreciated. Please feel free contact me if you have any questions or need additional information to resolve this nightmare.
Product: Checking or savings account

In XX/XX/2014, I visited Vanguard to open a roth IRA using this link ( https : //investor.vanguard.comXXXX XXXX ). I clicked on the button that read " open your IRA today ''. After following a number of  prompts and answering several questions, a savings account was created. I wanted to open a Roth IRA, not a savings account. At the time, there was no indication i was not opening a Roth IRA. I was sold a product that I did not want. The process for opening an IRA was misleading and not straight forward. Vanguard has stated that there's not much they can do. My retirement planning is in jeopardy as a result of this event. I have treated the account as a roth IRA in regards to the contributions and never moved money from it. Vanguard did not properly and transparently disclose the product I was purchasing and their sign up process is not easy to answer. It's likely other consumers have also purchased products they did not intend to due to the lack of disclosure.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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  All these accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 
a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the aforementioned accounts, collections. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity fraud.