23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I had a Wise account XXXX XXXX XXXX //wise.com XXXX with XXXX XXXX XXXX XXXX 

XXXX XXXX and XXXX... XX/XX/XXXX of XXXX ) After recieving a few payments they decided to forcerly close the acount, since I had " violated the terms and conditions ''. When inquired, They were not able to clarify what terms and conditions I was violating, leaving me out of the account and funds, They gave me access to a sequence of steps in which i had to fill a form and enter a bank account of my preference so they will send the money to that account. 

Picture XXXX... XX/XX/XXXX of XXXX Once I succesfully compled the form they replied by email saying " money is on its way '' and it should take about XXXX working days XXXX at most '' ( not providing transaction receipt of any sort ) Picture XXXX XX/XX/XXXX of XXXX After XXXX working days had passed I contacted via mail asking about the money with no reply. Then I tried calling customer service XXXX  times, They told me something different and vague each time, and ended up telling me to send an email to XXXX XXXX XXXX ( the same address they didnt reply before ). 

Picture XXXX ... XXXX the XXXX of XXXX I sent a second email telling them to stop ignoring and playing with my time and money or I will make a complait to the CFPB, still no reply. 

Picture XXXX, Present day ) If I go through the customer center where they explain how to get the funds from a closed account they let me check me account status, when i enter my account details it says that the money has been refunded already.
Product: Debt collection

Initially XXXX XXXX XXXX refused to let me shut off the phone account. I was at XXXX. I paid that and they kept coming up with additional fees. I had then said no more. XXXX turned into XXXX, then XXXX, and so on. 

The debt was turned into " sunrise credit services '' where the debt was bought for pennies on the dollar after the debt was paid by XXXX XXXX XXXX XXXX insurance. 

She assured me " this is a very real debt '' and I am going to pay it. 

Anyway, after about a couple minutes of harassment and angrily ended the call. 

My point is XXXX XXXX XXXX kept adding to my phone bill without permission. I did not want their services. Multiple refusals of wanting their service. They kept adding charges. After the debt was written off by the company and sent to the insurance agency where the charges they made up were paid it was then handed over to a harassing debt collector. The debt was bought or scrounged, I presume.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the gross negligence exhibited by XXXX in safeguarding my personal information, which was compromised during their widely publicized data breach. This breach, which exposed the sensitive information of over XXXX XXXX Americans, including mine, is a direct result of XXXX 's failure to implement adequate security measures. 

As a consumer, I entrusted XXXX with highly sensitive personal information, including my Social Security number, financial details, and other identifying data. Their failure to protect this information has caused me significant distress and has exposed me to a heightened risk of identity theft and financial fraud. 

To date, I have not received adequate assurance from XXXX that they have taken meaningful steps to rectify the harm caused by their negligence. Furthermore, their response to this breach has been lackluster, with insufficient compensation or support offered to affected individuals like myself. 

I demand the CFPB take the following actions immediately : Conduct a thorough investigation into XXXX 's security practices leading up to the breach and ensure accountability for their failures. 
Impose strict penalties and sanctions on XXXX for their negligence and the resulting harm caused to consumers. 
Mandate XXXX to provide long-term credit monitoring and identity theft protection services to all affected individuals, at no cost. 
Require XXXX to implement enhanced security protocols and undergo regular audits to prevent future breaches. 
The CFPB has a responsibility to protect consumers from corporate negligence and ensure companies like XXXX are held accountable for their actions. I expect prompt action from your agency to address this matter and protect the interests of affected individuals. 

I am prepared to escalate this issue further if necessary, including seeking legal remedies and involving my elected representatives. 

I look forward to your timely response and a detailed outline of the actions the CFPB will take to address this issue.
Product: Credit card

I made a payment on my Capital One Quicksilver credit card to pay the balance down before the due date. On the due date, the auto pay feature pulled the entire statement balance of {$2900.00} from my personal checking accout, even though I only owed a few XXXX XXXX  on the card at that point. This has resulted in a - {$2500.00} balance on the credit card and the loss of {$2900.00} from my checking account, money I was planning to use elsewhere. Customer support was absolutely intractible about helping me recover the over-payment. They offered to send me a check as my only means of reimbursment. I am in XXXX, so a reimbursment check option is entirely not possible. 

NOTE ; DO NOT SEND A CHECK TO ME IN XXXX OR THE BILLING ADDRESS UNDER ANY CIRCUMSTANCES! 

The customer service representative indicated to me that there would be no follow-up with me and no further action taken. No fear of reprisal there.

My only recourse now, is to spend money on the card until I recover all my stolen funds.

How is it legal for a credit card company to deduct funds from my personal checking account that I do not owe on their card? I've never experienced an auto-pay feature that can take money from the consumer that they don't owe! I would like to know if this is legal. It should not be.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and XXXX all have been sent a request to investigate on these creditors that are on my reporting. Also hard inquires companies i have no clue about. I have been on a clean streak with trying not to get my credit up and have not open any accounts for these past couple years. but for some reason. these hard inquires have been showing up on my reporting and i dont know why they have not been contacted by the 3 main credit company about this. 

Also XXXX XXXX duplicate reporting for the same company is on my report i had only one account with XXXX XXXX XXXX. 

XXXX XXXX XXXX - XXXX XXXX - No idea who these people are file a couple dispute with XXXX and XXXX. still nothing. 

Fair collection and out - XXXX XXXX XXXX XXXX - Apartment - i returned keys already but they sent me to collection and damage my credit for keys that have already been returned.
Product: Debt collection

The debt is {$730.00} from I.C. System, Inc. which was previously XXXX XXXX. The debt was created in XXXX. My birthday is XX/XX/XXXX. Therefore, it is impossible this debt is mine because I can not open a cable or internet account as a minor. They refuse to fix this and insist the debt is mine after Ive disputed it and called the company multiple times.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXXXXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Debt collection

Delete this non XXXX  to compliant account because of FCRA regulations violations pursuant to 15U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation
Product: Vehicle loan or lease

I hope this letter finds you well. I am writing to bring to your attention a serious matter concerning the repossession of my vehicle, a XXXX XXXX XXXX on XX/XX/XXXX. The circumstances surrounding the repossession have raised significant concerns regarding the handling of my personal information. 

My vehicle was repossessed from an address where I do not currently reside, and this action was carried out by a non-affiliated third party. To my knowledge, I did not receive any communication providing information about or obtaining my consent for the release of my private information to this third party. 

Moreover, I want to draw your attention to the provisions of 15 U.S. Code 6802, which outlines obligations with respect to disclosures of personal information by financial institutions. According to 6802 ( b ), a financial institution must follow specific procedures before disclosing nonpublic personal information to a nonaffiliated third party : Clearly and Conspicuously Disclose : The financial institution must clearly and conspicuously disclose to the consumer, in writing or electronic form, that such information may be disclosed to a third party. 
Provide Opt-Out Opportunity : The consumer must be given the opportunity, before the initial disclosure, to direct that such information not be disclosed to the third party. 
Explanation of Nondisclosure Option : The consumer must be given an explanation of how to exercise the option to prevent the disclosure of their information. 
To the best of my knowledge, Credit Acceptance did not provide me with any written notice offering an opportunity to opt-out of the disclosure of my information. Furthermore, my private information was provided to a non-affiliated third party with whom I have had no prior association or contractual agreement. 

I am deeply concerned about the violation of privacy and the potential mishandling of my personal information. I kindly request a thorough investigation into this matter, an explanation of the circumstances surrounding the release of my information, and immediate steps to rectify any breach of privacy. 

Your prompt attention to this issue is appreciated, and I expect a swift and comprehensive resolution. 

Thank you for your understanding and cooperation.
Product: Credit card or prepaid card

On XX/XX/2021 I applied for and was approved for a XXXX credit card from Capital One Bank NA with a limit of {$10000.00}. I already had a preexisting account with Capital One. In XXXX of 2021, I received not one but two XXXX credit cards in the mail. The cards had different card numbers. I was only able to activate one of the two cards, which had a limit of only {$1000.00} compared to the {$10000.00} for which I was approved. 

When I called Capital One, the card services department verified that both cards that I received were valid, that one had a limit of {$1000.00} and the other had a limit of {$10000.00}, but that these two cards were not associated with the same account. Then, without my consent, they deactivated the card with the {$10000.00} limit. I asked to have the credit limit on the card associated with my account increased, but my application was rejected. 

My credit score has been impacted by the appearance of two hard queries when there should have only been one. It was further damaged by the appearance of two new lines. Finally, Capital One damaged my credit score by reducing the amount of available credit by {$10000.00} when I did not request the line to be closed. My own credit was damaged due to poor customer service and operational controls at Capital One.
Product: Bank account or service

I had overdraft protection with Regions Bank in XXXX, Alabama on my checking account. However, instead of waiting to get the overdraft from my Social Security Check that come in every month. They took the overdraft from my grandchildren savings so it would n't net interest. So, I took my grandchildren money out of Regions Bank. They retaliated by closing both of my checking accounts without notice. Therefore, I could n't receive my Social Security check for the entire month of XX/XX/XXXX with put a great hardship on my me and my family.
Product: Checking or savings account

I started receiving pre-recorded threatening phone calls from area code XXXX. I finally called back the number XXXX and was connected to XXXX. He stated he was with XXXX XXXX XXXX and accused me of fraud concerning a checking account with Fifth Third bank ending in XXXX. He had my social security number and claimed Fifth Third was sending notices to my old address in XXXX XXXX, Ohio and I never responded. I haven't lived there for approximately eight years. He claimed they did a background check to find out where I currently live. I have no idea what this person is talking about. Why would Fifth Third give my social security number to another organization without contacting me first? They have my phone number. What fraud am I committing with a closed checking account? I can not find any XXXX XXXX XXXX company or the phone number does not come up in a search. I think this is fraud.
Product: Credit reporting or other personal consumer reports

Tj Maxx is reporting inaccurate information on my credit report that's in violating of my consumer rights.
Product: Credit reporting or other personal consumer reports

I have reviewed my most recent TransUnion credit report and Ive found inquires that I did not authorize. Ive already sent in a dispute, and filed a FTC Report. I have not applied for credit cards, loans, or requested any extension of credit from : XXXX XXXXXXXX XXXX XXXXXXXX, Dated : XXXX. These unauthorized and unverified inquiries are results of identity theft and must be deleted. I have attached the FTC Report and I.D . documents.
Product: Credit reporting or other personal consumer reports

I hope all is well, I am filing this formal complaint against Experian Information Solutions , Inc. for its failure to remove unverifiable and inaccurate personal information from my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531. Upon reviewing my credit report, I discovered that Experian continues to report inaccurate and unverifiable personal information despite my repeated disputes. This incorrect data includes : Incorrect Addresses and Misspelled, Incorrect Name Variation I submitted a formal dispute to Experian requesting the removal of this information, yet they have failed to take corrective action. This failure to act harms my creditworthiness, increases my risk of identity theft, and violates multiple provisions of the FCRA. I dont know what else to do. Ive already been sued because I did not get the proper paperwork in time for a court case that could have been avoided due to incorrect information being reported about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX  are inquiries on my credit report that was not authorized to run my credit whatsoever. They never had permissible purpose. Equifax will not remove the inquiries and told me they will not dispute them!
Product: Payday loan, title loan, or personal loan

Filed a dispute with an old credit card that has been paid in full. Asked XXXX XXXX, XXXX, and XXXX   to investigate and verify the account. The account still shows derogatory on my credit profile. The creditor agreed after payment to remove from all three credit bureaus. Which was not being truthful. The payment history is showing unknown therefore it is an unverified account reporting to my credit report.
Product: Credit reporting

On XXXX/XXXX/2015, I contacted Equifax concerning several hard credit inquiries appearing on my credit report. These inquiries were made by third parties who DID NOT have my permission to pull the report. I made Equifax aware that the companies/organizations who gained access to my credit report had no permissible purpose under the Fair Credit Reporting Act and that Equifax had the responsibility under 15 U.S.C. 1681i ( a ) ( 5 ) to remove credit inquiries occurring without obtaining permissible purpose from the consumer. Over the past 3 months Equifax has ( 1 ) refused to make the violators prove that they had permissible purpose and ( 2 ) refused to remove the inquiries from my credit report after failing to obtain permissible purpose from the violators.
Product: Credit card or prepaid card

On XX/XX/XXXX, a few fraudulent charges came through my AvantCard. I've had several conversations and have filed several disputes with Avant ad they have to resolved the fraudulent charges o my account. Avant has charged me interest rates ad late charges for an account I have to used. I am more than happy to pay the annual fee that charge but the account has to be corrected. I should to be responsible for the fraudulent charges nor the interest charges ad late fees as a result of said charges.
Product: Credit reporting or other personal consumer reports

I filed a complaint against XXXX XXXX XXXX on XX/XX/2024, complaint number XXXX regarding a collection account from National Credit Audit , that is currently reporting on my credit report. I provided XXXX with a copy of the XXXX Police Report, and FTC Statement. XXXX, came back on mutilple occasions and stated the account was verified. At this time I would like for XXXX XXXX XXXX to provide the documentation that they used to verify and vaildate the accuracy of the collection account according the FCRA, by conducting a reasonable invesitgation.
Product: Money transfer, virtual currency, or money service

Hello again, in this complaint I will include proofs of transactions that go beyond the incomplete records of Chase in particular that they were some how able to destroy my accounts, make look a fraud and cause me an incredible debt that just is inaccurate.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally request the immediate correction of inaccuracies in my credit report due to XXXXXXXX XXXX failure to conduct a proper investigation regarding the reporting of late payments by XXXX XXXX XXXX. Despite providing substantial evidence to XXXX, as well as Equifax and XXXX, demonstrating XXXX XXXXXXXX XXXX reporting errors, the inaccurate late payment remains on my credit report. 

As a consumer, I relied on XXXX to conduct a thorough and fair investigation upon my dispute submission, which included detailed documents substantiating my claim. However, your failure to fulfill this duty has caused significant harm to my creditworthiness and financial standing. This matter has now escalated to the Federal Courthouse due to XXXX XXXX 's reporting errors and your agency 's non-compliance with its investigative obligations. 

I am aware that the Consumer Financial Protection Bureau ( CFPB ) has recently filed a case against XXXX for failing to investigate consumer disputes adequately. Given the precedent set by the CFPB 's actions, I am entitled to have my credit report corrected immediately, reflecting the accurate payment history and removing the erroneous late payment entry. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that XXXX take the following actions within 30 days of this letter : Conduct a thorough and complete reinvestigation of my dispute with XXXX XXXX XXXX. 

Provide a written response detailing the investigation results and any corrections made. 

Remove the inaccurate late payment notation from my credit report across all reporting bureaus. 

Failure to take appropriate action will leave me no choice but to seek further legal remedies to protect my rights as a consumer. 

I appreciate your prompt attention to this matter and expect a response confirming the resolution of this issue. Please contact me at your earliest convenience should you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of 2023 I reported that I had some unauthorized and unrecognized inquiries on my consumer report. Fast forward 6 months later I have 4 or five credit cards that I never received or even applied for all of which are carrying a delinquent balance. And they are still reporting the inaccurate false and misleading fraudulent information on my credit report. And it needs to be deleted immediately. I and when I reported this to them last week I informed them that my personal information is XXXX XXXX My only residential address is XXXX XXXX XXXX XXXX CA XXXX My business addresses is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn XXXX That is the only address Im connected to. And ( XXXX ) XXXX personal ( XXXX ) XXXX business Are the only telephone numbers im connected to And they still havent gotten that right. 
And i asked them to remove all my employer information and my ss # and they still havent done that either
Product: Mortgage

We have a home insurance claim related to damage from the winter of 2014. They are not processing our payment. I have a recorded call that states they will release payment but continue to delay
Product: Payday loan, title loan, or personal loan

Received offer from " So-Fi '' about Welcome Bonus opportunity in the amount of {$590.00} if I apply for personal loan and get approved. 
Deadline to apply for personal loan was XX/XX/2022. 
I applied for loan on XX/XX/2022. 
My loan was approved and I signed it on XX/XX/2022. 
So-fi claims that I can not receive my bonus because I was approved after XX/XX/2022 which they said it was a deadline to be approved and funded.It was holiday weekend. 
Terms and conditions by Sofi were misleading for customers. 
My credit score dropped about XXXX points doing a personal loan application. 
This is not fair business practice at all. 
I read comments from other So-Fi customers online who signed and funded their personal loan application on XX/XX/2022 and still received their Welcome Bonus.