23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied and was granted a credit card via Comenity Bank for Kay Jeweler. The next day, XX/XX/XXXX, we spent about one hour shopping in the store for the perfect rings. To seal the deal the rings were 60 percent off. We were elated. However, my joy was quickly deflated when the salesman checking me out informed me that my account had been suspended by the account protection team. Having a credit score of over 800, I thought he was joking. The salesman informed me further information would be sent to me as they wanted to ensure it wasnt a fraud issue. Imagine my embarrassment! 

As instructed via communication sent to my home address, I reluctantly emailed copies of XXXX ) front and back of my driver license ; XXXX ) front and back of my social security card ; and XXXX ) a copy of my Consumers Energy bill on XX/XX/XXXX. I was reluctant to send the information as I was instructed to email this SENSITIVE DATA unsecured. 

Having complied with the communication, I was totally shocked when I received a final communication stating Following a review of your KAY JEWELERS credit card account and related transaction. Comenity Bank has permanently closed your credit account due to continued security concerns involving this account. I complied with what was requested of me so I called the Account Protection Team for an explanation as to why after I have supplied all the necessary information to prove/confirm I am who I say I am WHY was my account closed. The representative stated that he could not go into details he would only share that the documentation didnt meet the banks standards. 

Meanwhile, this transaction has been registered on all the credit bureaus and is causing a major NEGATIVE impact on my credit score and credit history. Furthermore, I was a cardholder for over 15 years on a different account with Comenity Bank for XXXX. I maintained excellent credit with the old account for XXXX.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, in an effort to help my son with some debt, I made the very poor choice of borrowing XXXX from Mitig Capital. Having lost my husband to XXXX  I was swimming in my own debt and thought this would be a viable solution. Make my payments. Be clear in a few months. But ( and this never would have happened if my husband were still living ) I did not read the contract and the loan terms as I should have. Shame on me. The issue comes when an ACH payment failed, an error that truly occurred on my banks end. I go on line. I try to make my payment. I am locked out. Try again. Still locked out. I send an email. Get a call from XXXX. Schedule an ACH payment for the following Friday to rectify the situation. The following Friday that payment does not clear, nor does the payment as scheduled. I am still locked out of my account. Interest accruing, I ask XXXX why this has happened. XXXX tells me due to processing problems they couldnt withdraw my payment. I offer to send a check. XXXX tells me this will make my payment late, given the mail slow down. I schedule a payment for XXXX to be drafted Monday, XX/XX/XXXX. Though the money has been drafted, I still do not have access to my account, either on line or on paper. What I currently owe remains a mystery, leaving me hog tied. In several weeks I will pay the remainder. I think it is important that your office is aware of this business, their practices and their attitude toward consumer lending. I am fortunate that I can be free of them soon. I suspect many of their customers are not so lucky.
Product: Credit reporting or other personal consumer reports

The following inquiries are incorrect and should be removed : 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: 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 Consumer Financial Protection Act ( CFPA ). Specifically, Cast 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

On XX/XX/22 I contacted national credit systems regarding the two trade lines reporting negatively on my consumer report. They advised me that my file was with XXXX XXXXXXXX XXXX XXXXXXXX. The law firm confirmed that I only have one debt but they were not going to remove the second account until the first Alleged debt was paid. I sent this Exact letter to National Credit Systems, XXXX, XXXX, and XXXX. XXXX removed both trade lines and XXXX and XXXX just removed one. My complaint is directed towards National Credit Systems due to them verifying the debt with the credit reporting agencies but sending me a letter saying their Unable to locate my account. 


This ONE company is in violation of the following : FDCPA 15 USC 1692g FDCPA 15 USC 1692e FDCPA 15 USC 1692f FDCPA 15 USC 1692k And furthermore NCSs actions are putting XXXX and XXXX at risk due to these credit reporting agencies violating the following : FCRA Section 623 ( a ) ( 3 ) FCRA Section 623 ( a ) ( 1 ) ( a ) ( b )
Product: Credit reporting or other personal consumer reports

My purse was stolen from my locker while I was at the gym. I have been explaining that I have not applied for the companies that is listed on this report. Please remove these inquiries from my credit report. A XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX I received a credit update on my XXXX XXXX account. I received a hard inquiry from a finance affiliate of XXXX XXXX called XXXX XXXX XXXXk. I inquired with Transunion ( who is the only agency with this reported ) and XXXX XXXX about getting this removed. 

I was later a victim of identity them by a person in Louisiana. They went to two different XXXX  stores in XXXX XXXX and then in XXXX Louisiana to try and get some financing using my identity. Those inquiries were immediately resolved unlike the XXXX XXXX. 

I immediately put a fraud alert on my credit account. 

I filed a police report on XX/XX/XXXX with the XXXX Oklahoma Police Department. Case number XXXX. In early XXXX XXXX XXXX XXXX sent me a package that required me to send proof of Identity and the police report. In later XXXX XXXX XXXX XXXX sent a letter reply confirming the belief that I was a victim of Identity Theft. The letter also said it could take 30-60 days for my credit to update. 

My score did not change after 30 days so I contacted Transunion to confirm that they received a removal request from XXXX XXXX XXXX. They said they did not receive anything. I then contacted XXXX XXXX and they could not confirm that a removal request was sent. So, they sent another one in XXXX. 

I waited 60 days this time and still no change. I contacted XXXX XXXX XXXX and sent them a letter. They received my letter and " expedited my request '' on XX/XX/XXXX and confirmed they they indeed contacted Transunion on XX/XX/XXXX about the removal request. They again stressed that it would take up to 60 days. 

I requested that their fraud department send me the letter so that I could send it to Transunion. They were adamant that they could not send me a letter. 

It is now XX/XX/XXXX, almost 2 months since XXXX XXXX claimed to have sent a removal request to the credit agency. I contacted Transunion 's Fraud department and they still say they have received no such request. They asked that I send the police report, 2 forms of ID, and a letter requesting the removal. I sent the letter with the requested information at XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I was affected and a victim of the credit data breach with XXXX and XXXX. I have reached out to creditor Affirm and XXXX XXXX XXXX regarding my information has been compromised and fraudulent accounts have been created. I have filed a police report regarding credit fraud requesting for collections, auto repossession and late payments to be removed from my credit report. I have paid collections and credit monitoring services to protect my credit with no success collections, charges off and late payments are still located on my credit. I have upload attachments to prove that I was victim of the data breach and credit fraud filed with police department. I am unable to purchase a car, home, open a credit card or take out an loan to help myself survive due to the data breach and credit fraud. Which has hindered me in my life for success. I need all items to be removed from my credit report to survive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent correspondence to the Transunion, XXXX and XXXX and have received no response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has acknowledged that the account reported by XXXX has been settled and closed paid/ Never late. We request ExperianXXXX to accurately reflect this updated information on the credit report. 

Furthermore, XXXX XXXX XXXX XXXX is being accused of engaging in corporate malfeasance, including detrimental credit reporting practices and the unauthorized repossession of a vehicle owned by the consumer. While the account in question has been closed, the inaccuracies surrounding the incident have not been rectified. 

In addition, it should be noted that I have not previously raised this issue with Experian. This communication serves as formal notice that inaccuracies present in the credit report are adversely affecting the consumer. Despite being aware of the disputed nature of this account and its involvement in legal proceedings, XXXX has persistently maintained the erroneous reporting. 

I am hereby requesting a compensation of {$3000.00} for the harm caused by these inaccuracies. Failure to address this matter adequately will compel me to seek redress through appropriate legal channels, utilizing this communication as evidence to support my claim.. 

Furthermore, it is imperative to highlight that XXXXXXXX XXXX actions may be in violation of the U.S. Code concerning late payments, specifically 15 U.S. Code 1666b. This violation is pertinent as the transaction in question was conducted using a credit card and a negotiable instrument. Such non-compliance with federal regulations further underscores the gravity of the inaccuracies in the credit reporting system and their detrimental impact on the consumer. 
XXXX CONSIDER THIS YOUR OPPORTUNITY TO CURE
Product: Money transfer, virtual currency, or money service

My tenant deposited 2 money orders Wells Fargo cleared one for {$100.00} but did not clear the other deposited at the same time for {$720.00} Bank stopped payment for {$720.00} Said fraud or suspicious Only reason I found out I looked online I called spoke to several people No one can tell us why Bank in XXXX fl Accepted deposit without question Bank telling me I have to redeposit Certified copy of check Its been 5 business days I have not received copy of money order In the meantime I have given my tenant a pay or evacuate notice Which cost me out of pocket {$200.00} Bank has no answers as to why it was flagged as suspicious my tenant always pays by money order this is not an unusual Occurrence My complaint number with Wells Fargo is ID XXXX This money was deposited in my escrow account XX/XX/2023 was date of return actually deposit on XX/XX/2023 Bank saying its my issue
Product: Credit reporting or other personal consumer reports

National Credit Adjusters, XXXX XXXX XXXX XXXX, XXXX, KS XXXX is inaccurately reporting information on my bureau reports : XXXX. I have requested information to prove whether or not this is an accurate account and they have not provided yet they continue to report it on my bureau report.
Product: Money transfer, virtual currency, or money service

Last week, I was trying to send money through domestic wire from my Chase bank to my crypto exchange account. Before I had been sending through debit which takes a 3 % fee. 

This time I was trying to send {$3000.00}. I did and Chase of course blocked it and my mobile log in. I called to verify and it was all good. But my wire transfer was canceled. It showed up as pending on my brokerage account though. 

So I try sending {$3500.00} and again was blocked my own bank. I called verified and logged in again to see my wire transfer canceled AGAIN. It showed up as pending on my brokerage account still. 

So now, I try sending {$5000.00} and they blocked it! I was furious, I called verified and made sure they sent the money. I logged in and see {$5000.00} out of my account. But this time no PENDING status on my brokerage account. IT WAS THE SAME ADDRESS. 

I'm pretty sure Chase lost my {$5000.00} and are coming up with excuses. I called my exchange and nothing.
Product: Credit reporting or other personal consumer reports

I have requested multiple times for Wells Fargo on three different types of accounts to revive verification of the accuracy of the account and then it truly belongs to me. Thats a problem number one problem and two is its past the statue of limitations, and it should not even be on the report and problem number three is XXXX, XXXX, and XXXX XXXX Have refused to provide me any written proof of this debt, or correspond to me in writing on any of my requests. This is a clear violation of my FCRA rights.
Product: Debt collection

I sent a dispute letter to the company in XX/XX/2022 regarding a lender reamortization of the loan which increased my debt to higher than the original amount and increased the payments. Also included in that letter was a notation from the dental practice provider that they ( dental provider ) subsidized the loan to give me 0 % interest instead of a XXXX XXXX interest rate. Company failed to acknowledge the dispute letter sent, company failed to respond in 60 days to dispute. Phone calls went no where to arrive at a solution. Accounting procedures are very shady and XXXX payments have never been credited to the account and despite providing proof, they will not credit the uncredited payments. Company has started charging a ~ {$2.00} foreign exchange fee ; the company is domestic. Calls to the company regarding this with the response being insufficient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CLOSED my XXXX XXXX  credit card ending in XXXX but agents and their supervisors illegally claimed that Closure Status XXXX not be reported to credit reporting agencies for up to 60 days despite the fact that Metro 2 Compliance would require an immediate reporting of my account as Closed at consumers request to every CRA. The FCRA and Metro 2 require PROMPT and immediate mid cycle reporting of Closed accounts when the button is pushed to close an account. My credit reports remain open in willful violation of the FCRA and furnisher has stated that it has no intention to promptly report my account as closed. I seek {$1000.00} in statutory damages for each day the willful violation remain until permanently corrected. Permanent deletion of my account is demanded as my account is NOT METRO 2 Compliant. At a minimum, my account must be PERMANENTLY reported as DISPUTED as this Complaint challenges balances due to statutory damages for willful FCRA violations. Additional FCRA willful violations will occur if my accounts are not marked as disputed permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.

8394
Product: Credit reporting or other personal consumer reports

A complaint regarding inaccuracies on my credit report concerning a debt that has been charged off by XXXX which has not provided me with a Form XXXX ( Cancellation of Debt ) as mandated by IRS regulations. This XXXX is still reporting this account as income and therefore illegal and needs to be reported to the IRS. Details of the account are as follows : Experian charged off amount is {$XXXX} and closed as of XX/XX/year>. 

I kindly request your assistance in this matter and ensure that accurate reporting practices are followed. I would appreciate upon your assistance and completion that this account be removed from my credit report, or I will have no choice but to contact the IRS and report FRAUD on this account. Please provide me proof that this account was deleted from my credit report within XXXX  days of filing this complaint, or this company will leave me no recourse but to proceed to the next course of action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the said Bankruptcy Chapter XXXX with an inaccurate case number with Both XXXX & Experian since XX/XX/XXXX. They have repeatedly changed how my disputes were worded, A XXXX Representative by the name of XXXX XXXX Whom I spoken with today XX/XX/XXXX @ XXXX stated XXXX get their verification for Bankruptcies directly from the courts. And I was told this before also by a Experian Representative XXXX with employee Id # XXXX today XX/XX/XXXX, so I did my own research But when I have contacted the courts I was told by their Representative that they do not report to any third party companies, and she directed me to PACER to put in the both different case numbers thats being reported by Experian & XXXX , and they BOTH came up an invalid case number was entered. Also on the credit reports it states they get their information from another Third party Company XXXX and says nothing about receiving information directly from the courts, Which is clear Proof of the inaccuracies being reported by Both Bureaus. I have consistently sent in proof with every dispute and each time they say its verified with no proof as to how they both did their first investigations, Or they mysteriously didnt receive the disputes I have sent By Certified mail each time. also When I initially started my disputes back in XX/XX/XXXX, when I noticed these huge differences of reporting between the two companies, and after each dispute, I have requested validation as to what Company they have done my investigation through, & how they came to the conclusion of an accurate reporting of that case numbers, but both XXXX & Experian are NOT abiding by the FCRA laws and these companies really need to be investigated! And I am still Demanding under the FCRA that account to be Deleted immediately from both of them.
Product: Debt collection

Penn credit at XXXX is calling my parents and saying they have an important message for someone ( who does not live at the house ), calling many times a day. Caller ID showed Penn Credit as caller.
Product: Credit reporting or other personal consumer reports

requested 1099-c and other laws that are under the FTC and CFPB and they refuse to follow them and remove information from my report.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My identity was stolen recently. By reviewing my credit reports, I noticed there were credit inquiries from PNC bank ; I called PNC bank on XX/XX/year> to report the possible fraud activities. PNC bank confirmed that someone opened accounts in my name but unable to provide details information. I was given a case # XXXX and was told PNC bank will get in touch with me. But I have not heard back from PNC bank since then. 

By reviewing the consumer report from XXXX XXXX XXXX, I found the following accounts opened without my consent : Bank Name : PNC NEW JERSEY Bank Routing # : XXXX Account # : XXXX Bank Name : PNC NEW JERSEY Bank Routing # : XXXX Account # : XXXX Bank Name : PNC NEW JERSEY Bank Routing # : XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear sir, I have received XXXX letters mailed by XXXX and XXXX emails from your company. XXXX of letters, prepared on XX/XX/year> and XX/XX/year>, indicate that I have requested the dispute. Along with an email sent on XX/XX/year>, I just can state as follows : I have received XXXX kinds of records regarding all my checking and saving accounts of all banks, which I have the accounts. Since the information are private financial information, I do not think the credit report company, like your company, do not have the right to investigate the banks, which are not your company at all. As I stated above, they are not credit cards information. Since I already asked each bank and in the records of FDIC, I believe it is beyond our understanding. 
Since I have not received similar record of XXXX XXXX, I asked your company how I can get it. That mean you must know how to get XXXX kinds of records, which I do not know what it is, especially on XXXX of XXXX records. 
Next, I do not remember whether I asked the dispute over my past closed account of XXXX XXXX XXXX. Since I closed it more than XXXX  years ago, I even do not remember the account number, which your company indicated ( XXXX ). Since it is closed long time ago, there were no record at all. I can ask same thing as XXXX XXXX  if you can show me XXXX records of this bank. It is fine, but I do not know how to do. And I am not sure whether I can ask XXXX XXXX XXXX. I need the advice. ( Dispute Case ID : XXXX, XXXX # XXXX ). 
XX/XX/XXXX email said : Please specify what is inaccurate or being disputed about the reporting of the key bank XXXX. XXXX XXXX  does not report to EWS, therefore we would not be able to provide any information regarding this Financial institution. 
I understand EWS will not provide any information regarding XXXX Financial institution to XXXX individual and I do not expect any Financial information, except my own banking financial information. I do not think any problem to dispute with my banking account of XXXX XXXX  as I can see XXXX of XXXX records of several banking account of some major banks. I just need many explanations over many records which I got for past XXXX year. 
Sincerely,
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, PayPal had frozen my account when I tried to transfer money into my older account. They refuse to allow me to transfer fund. They have my account frozen for 180 days.