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

During the XXXX of XX/XX/2020 I was unable to log into Website or app link and could not make my payment. I tried on numerous occasions to log into account to pay XXXX but kept getting log in access error which said " The information you entered does not match our records " followed by a link to " forgot username or password ''. Following the link leads to the account recovery page, after attempting to recover account i got the error which read " The information you entered does not match our records. Please confirm all information is accurate and try again ''. I went through these steps every few days for XXXX weeks until the issue was finally corrected and the account was accessible in early XXXX and Payment was made. Due to these issues with the account Comenity Capital Bank XXXX a 30 day late payment on my credit report then subsequently a few months later denied a request for credit increase due to my credit report showing a " late payment ''. Due to XXXX quarantine for exposure i was not able to go get a money order to pay this payment and the Failure of their website design, account access portals for multiple account types that are not linked to the same account is harmful for consumers like myself. Due to this failure my credit was and is negatively affected which has caused me to be denied for credit increases with XXXX current creditors and a Mortgage loan with all denials citing " recent late payment on credit report ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Untitled { Consumer disputes this account information Medical Subject has not satisfied debt XXXX, XXXX, XXXX } XXXX - - - - - - XXXX 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 an account without my written instructions. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Product: Bank account or service

An unauthorized debit was made on my debit card. In another state. Same day debit was made by me in my home state. Looking at the timeline it 's obvious I could not have made the purchase. I requested a new card and disputed the claim. The bank has denied and will be redebiting my bank account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX XXXX {$410.00} XX/XX/XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX  {$9000.00} XX/XX/XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX  {$460.00} XXXX XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 XXXX  years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

In XX/XX/XXXX I noticed charges from XXXX going back to XXXX that were fraudulent and not mine ( I have never had a XXXX account connected to this checking account ). I called the US Bank fraud department to report the fraud and file the claims.

Months later, I found out that incorrect transactions were filed on my behalf by the fraud department as fraud and a reserve line of credit was opened without my authorization. An advance was also taken from that reserve line without my authorization. 

After spending close to XXXX hours on the phone with the fraud department over the course of several months, I was told to go to a local branch for their assistance. I worked with XXXX branch employees who worked in tandem with the fraud department trying to sort out the claims that were fraud and those that weren't. It was then that I was made aware of the reserve line that had been opened as well as the balance on that account. 

It was also recommended by the branch and fraud dept employees that we cancel all previous claims that were filed in XXXX and refile the fraudulent transactions to ensure the claims were accurate.

Yesterday, I was directed by the branch to report the reserve line as fraud since I did not authorize it to be opened.

Today, when I called to report that fraud, I was told by the fraud department that all of my fraud claims have been denied and that I could not report fraud on the reserve line. Not only will I not get my money back from the fraudulent XXXX charges, but I also owe the balance on the reserve line. 

Opening of a line of credit without my authorization is unethical and seems as though it would be illegal.
Product: Checking or savings account

This complaint includes TWO disputes. My name is XXXX XXXX XXXX XXXX and I currently bank with Bank of America. On XX/XX/XXXX I filed a claim because there was two transactions at an atm for {$500.00} a piece that bofA let leave my account. I got an alert on my phone that the same person was trying to take out another {$1000.00} the next day and then thats when I reported the transactions as fraud. I called the bank and was assured I would have all my money back, thats clearly not what happened, they came back and said that I was the one on camera taking the money out and thats not true what so ever, I honestly felt so disrespected that they would even say that with having surveillance. Then on XX/XX/XXXX while on vaca in XXXX  I had reported a fraudulent charge of {$1100.00} from a store. I remember going out to eat and losing my card and then I checked my account to see a huge charge that I never authorized. Same situation I was assured I would have my money back and then I checked today and my claim was denied. At this point Im losing money banking with bofa and its almost brought me to tears knowing Im out on almost XXXX in less than two months. Its like they are blaming me for someone getting ahold of my card and taking advantage of it. Im an honest man and in no way have anything to do with any of these transactions and would love to have all of my money credited back to my account!
Product: Credit reporting or other personal consumer reports

I earlier file a complaint of wrong reporting on this account and the investigation didn't make any corrections.

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I an account that are not correctly reported- XXXX XXXX account number XXXX you have it as recent balance XXXX as of XX/XX/2024 and status of account charged-off XXXX written-off XXXX but this account has been paid-off. 

You can call XXXX to find out about this account which is paid-off but your investigation came back as your correct information is accurate which is not true here is the payment confirmation number, call them and provide the number to them to confirm payment - XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, is Violation 0f 15 U.S CODE I68IN-CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE, 15 U.S CODE i68io-civil liability for negligent noncompliance, 15 U.S. Code 1692 ( c ), XXXX XXXX XXXX XXXXXXXX REFUESSES TO SEND ME THE AGREEMENT BETWEEN THEM & XXXX XXXX XXXX SHOWING WERE XXXX XXXX XXXX GAVE PERMISSIBLE PERMISSION FOR XXXX XXXX XXXX XXXX TO OBTAIN ANY CREDIT INFORMATION FROM THE CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX XXXX CREDIT RATEING AND SCORE IS GRANTED BY FULL FAITH AND CREDIT ARTICLE IV, SECTION XXXX OF THE UNITED STATES CONSTITUTION.
Product: Credit reporting

I requested my credit report from at XXXX and on the report from Experian there are many creditors that I do not recognize and also there are several adressess that do not match mi personal data. The other reports that I received from XXXX and XXXX are correct.
Product: Debt collection

I have contacted the original creditor XXXX XXXX and spoke to several reps there. I was informed that Rhodes Kelly was not instructed to report this account to the credit bureau. Therefore it should be removed from my credit report immediately and sent back to XXXX XXXX. My second issue is XXXX XXXX provided an itemized bill to Rhodes Kelly, I did not authorize them to send my information to Rhodes Kelly Associates. This information should've been sent directly to me. There was no need for them to review this information this is PHI and is a HIPPAA violation. If they have some sort of agreement with Rhodes Kelly I was not made aware of it.
Product: Mortgage

To Whom It May Concern, On XX/XX/2023, I received a Closing Disclosure from Barrett Financial Group , L.L.C . with the estimated disbursement date of XX/XX/2023. This Closing XXXX had a charge of XXXX XXXX discount points ( {$1800.00} ) being charged at closing. 

However, on XX/XX/2023, I received a new Closing Disclosure that had a charge of XXXX XXXX discount points ( {$4700.00} ) being charged at closing. There were no changes to the loan amount, interest rate, or any other valid change of circumstance. Also, all of the other costs stayed the same. The discount point charge in XXXX XXXX was the only item that changed between the two CDs. We also did not require a lock extension, as we had over XXXX weeks left on the lock. 

I did not receive anything detailing a change of circumstance, nor did I see any changes in the loan from XX/XX/2023 to XX/XX/2023. As the origination fees have a zero tolerance for changes unless there is a valid change of circumstance, I believe Barrett Financial Group , L.L.C . illegally charged me XXXX XXXX in discount points ( {$2800.00} ). 

On XX/XX/2023 I requested multiple times via email that the Loan Officer, XXXX XXXX, honor the CD from XX/XX/2023, as I had not agreed to any changes to that CD. The Loan Officer refused to honor the XX/XX/2023 CD. The Loan Officer provided no reasoning for his refusal, other than that he wanted the additional compensation ( Specifically, the Loan Officer stated that the discount points were his only source of revenue and that even with the additional discount points he would be losing money by closing the loan. I believe that this may have been another deceitful tactic, with the aim of deterring me from escalating the issue, as my understanding is that Barrett Financial Group , L.L.C . was acting as a correspondent lender, and as such, their fees would typically include much more than just the discount points, and those fees are hidden from the borrower on the CD. ) At this time the transaction was already significantly delayed, and the seller had already agreed to XXXX purchase contract extensions to cover lender delays. The seller threatened to not extend closing a XXXX time. To avoid losing the home, I had no choice but to close the loan, which contained the additional XXXX XXXX overcharge in discount points. 

On XX/XX/2023 I escalated this issue to XXXX XXXX, the Regional Vice President of Barrett Financial Group , L.L.C . I have reached out a few times since. I have not received a resolution. 

As there was no valid change of circumstance, I believe Barrett Financial Group , L.L.C . illegally charged me XXXX XXXX in discount points. Therefore, I am requesting a full refund. 

I have attached key supporting documentation. However, I would be happy to provide any additional supporting documentation, including email or text message communications, to assist in resolving this matter. 

Thank You
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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.

15 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous complaint filed : XXXX Equifax failed to respond to my dispute for XXXXXXXX XXXX. They only sent me a copy of my credit report and they continue to report account inaccurately and incomplete. They have failed to comply with the laws that federally protect my rights as a consumer. ( which they have had multiple opportunities to comply with ) According to the FCRA, consumer reporting agencies must investigate the dispute within 30 days of receiving it. 

15 usc 1681 e ( b ) : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Also according to 15 usc 1681 602A I have the right to privacy 15 usc section 604A Section 2 : Consumer reporting agency can not furnish an account without my written permission, I did not given my written consent to furnish this account to my credit report. 

Tracking # : 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, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, 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

The following accounts are fraudulent. Please delete them LOUISIANA XXXX XXXX / XXXX XXXX XXXX XXXX {$1000.00} XXXX / XXXX XXXX XXXX XXXX {$3500.00} act : XXXX XXXX / XXXX XXXX XXXX XXXX {$180.00} act : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

The credit reporting agency reinserted a previously deleted item. the item was not verified by the credit reporting agency. TransUnion inserted the account on XX/XX/2017. The original creditor is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Product: Checking or savings account

XX/XX/XXXX - Received a text from Chase Bank saying my account had been frauded and I replied YES. Received a call from Chase representative who walked me through how to get my recovered funds, which in turn frauded me out of XXXX through a XXXX feature on the online banking app I use. I had never used XXXX prior ever. I immediately called Chase and then drove to the local branch and reported this. I immediately went and filed a XXXX Police Report ( # XXXX ) As well as an FBI report and a FDIC report ( XXXX ). I have repeatedly called Chase and was just given a letter XX/XX/XXXX that they were not covering the fraudulent charges. A recent ( XX/XX/XXXX ) local news story ( XXXX XXXX : Here 's how to spot it and protect your money | XXXX ) showcased a XXXX XXXX XXXX whom had the SAME thing happen and Chase gave her XXXX back. How can the bank cherry pick who to give money to and who to not give money back to. I am XXXX and should have some protections and not be discriminated against because I am younger than this lady. Chase will not give me information on the receiving bank account and I have no way to recoup my money. I believe this IS and should be covered under Chase policy as well as Schedule XXXX of the XXXX. I tried to stop the transaction while in a " pending '' state and Chase could not stop it, which is not my fault. I contacted them within a minute of the fraud. I did everything a consumer should do to be able to get their money back.

1. How did the fraudulent text know I had a Chase bank account, what my phone number was and what my name was.

2. How did the fraudulent people know how much money I had in the bank to take XXXX. 
3. I believe Chase to be not only responsible but also hiding a data breach of some kind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am resubmitting this complaint as a follow-up to my previous communication to the XXXX, XXXX, and TransUnion XXXX XXXX the identity theft incident I experienced. According to FCRA section 605b, XXXX XXXX XXXX are obligated to remove and block any unauthorized inquiries listed on an identity theft report. Once again, I have attached the necessary documents to support the blocking and removal of the inaccurate information that has been posted on my report. Below is a list of inquiries that are not associated with me or were opened without my authorization : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Again, according to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the Equifax office of consumer affairs on XX/XX/XXXX to request a copy of my credit file. I was advised that someone would contact me. I did not hear back from anyone so I contacted them again on XX/XX/XXXX. Once again I was told that someone ( the person handling my file ) would have to contact me back. I contacted them again on XX/XX/XXXX and was finally told by a representative that they would send the report out to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Different dates on last reported, different balances, different status as far as legally paid on some, different charge off/ settled The accounts are XXXX XXXX, XXXX XXXX, and XXXX XXXX  XXXX Ive included screenshots from my credit report showing the various inaccuracies and the particular accounts
Product: Credit reporting or other personal consumer reports

It seems that under FCRA 605B, we need to delete any incorrect accounts from my credit report. Could you please review the documents? Some of the accounts listed contain errors in the reporting, including incorrect amounts and dates.
Product: Debt collection

I have received threatening phone calls that I owe {$4200.00} and to pay or will report on my credit bureau negatively. 
I contacted the company that it is Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute that was mailed certified and received XX/XX/18 and signed for. I requested to have account XXXX with XXXX XXXXXXXX XXXX validated. Which means a copy of a contract in my name with them. I was never provided this info from Experian, and within 9 days they emailed me to tell me this account was updated. What was updated? The same exact information is there, and how and when was it validated with me? No validation was done, and this is what continues to be done. This is my credit, my life!
Product: Debt collection

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX left messages with no details threatening proceedings saying I have only a certain amount of time to respond with a statement threatening to come to my place of business and will not stop calling. I dont know who they are, who they represent, have never received anything in writing and they call using fake phone numbers.