23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX, 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 an account without my written instructions
Product: Checking or savings account

I XXXX XXXX applied for a PPP loan with a third party lender in the amount XXXX that was disbursement to me on XX/XX/XXXX deposit in to my Capital One Bank Acct # XXXX the funds was place on hold XX/XX/XXXX I call them and they requested my XXXX Tax return i send it to them also send them my SBA loan forgiveness note that the XXXX was full forgiveness now they have place a hold on my saving acct XXXX that had XXXX I have call and email them several times and still no respones coming out a pandemic this has caused lots of hardship on me I need help deal with CapitalOne Bank
Product: Credit reporting or other personal consumer reports

Collection account was inappropriately added and reported on to my credit report XX/XX/year> that I have no contract with and no debt with XXXX XXXX XXXX reporting a collection balance XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of fraud ant I sent them by mail my police report they claim they have not received it and refuse to remove the fraud accounts and inquiries after telling me they will
Product: Checking or savings account

Subject : Formal Complaint Regarding Unjustified Closure of My Cash App Account Dear Sir or Madam, I am writing to file a formal complaint against Cash App ( a service provided by Block Inc. ) regarding the unjustified closure of my account. Cash App recently closed my account and stated that I had violated their Terms of Service. However, they failed to provide any specific explanation or details about the alleged violation. Instead, I received a generic, copy-and-paste email with no actionable information or opportunity for appeal. 

Account Details : Cash App Account Email : XXXX Last 4 Digits of Linked Debit Card : XXXX Last 4 Digits of Linked Bank Account : XXXX I opened my Cash App account on XX/XX/year>, to conveniently receive and send funds. Shortly after opening the account, I received two small transactions from family members ( my aunt and cousin ) as XXXX gifts. These were the only transactions conducted on the account, and I am certain that I did not violate any rules, policies, or terms of service. 

Despite this, my account was abruptly closed without any transparent explanation or process for resolution. I have reached out to Cash Apps support team, but my concerns were not addressed, as their responses appear to be automated, with no indication that a human reviewed my case. This lack of transparency and accountability has caused significant inconvenience and frustration. 

I would like to formally request that the CFPB investigate this matter. Specifically, I ask for : A detailed explanation from Cash App regarding the alleged violation of their Terms of Service. 
A real human review of my account to determine if the closure was justified. 
Reinstatement of my account if it is determined that no violation occurred. 
The actions of Cash App and their refusal to provide meaningful assistance are not only unfair but also a violation of customer rights. As a financial service provider, Cash App has a responsibility to ensure that their processes are transparent, accurate, and fair, particularly when they involve closing accounts and restricting access to funds. 

Thank you for your attention to this matter. Please feel free to contact me if additional information is required. 

Sincerely,
Product: Credit reporting or other personal consumer reports

My XXXX account was hacked and make to purchase numerous items from unknown site. I filed fraud charges with chase credit card and yet they closed all my chase credit card account even though other card has no associate with the impacted card. I also told them Im out of the country to stop mail me replacement card, but chase still mailed me, and when they do I dont know and still has my card attached to XXXX which was hacked and the numbers keep updated automatically every time my new card got sent. I was out of the country and never made those purchases and yet still be responsible for it
Product: Checking or savings account

XX/XX/XXXX to XX/XX/XXXX bank charged surprise fees, my employer paycheck was from same institution & they held funds for weeks.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX, and so on.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report 's list of inquiries and informations were inaccurate. I sent it to each credit bureau, asking to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information and inquiry listed below. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Updated : ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Updated XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX on the XX/XX/2017 i wanted to send money to XXXX to my family. When i went to western union XXXX, i was refused by the western union that i can not sent money western union USA has block your name. I send my email to XXXX XXXX XXXX USA unit. they responded by sending me a restatement form which i filled in on the same date, and they said within 5 days they will respond. Western union USA asked my copy of my passport, proof of employment a copy of contract all this i send to western union. 
My complaint is that they is no due care western union are personal document. when they request this document they do not put the contact and name of person request for very important documents from western union .Is this professional. Western union after taking a copy of my pass port, contract of work .work visa and details of my wife. they have not come back to me .help i am scared may be it fraud scam to steel my documents. Because western union has office and argents in each country to close check identify face to face instead of asking through internet why can they ask the agents to check the identity .Right it is 7 days western has not able to help and i can not send money to my family. 
Kindly help me. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you not just as a concerned consumer but as an informed citizen well aware of my rights under state and federal law. Over recent months, I have observed inaccuracies and unverified information appearing on my credit report, managed and disseminated by Experian. These actions are not only negligent but border on the reckless, with a blatant disregard for the laws that govern their operations and protect consumers like myself. I am complaining to you CFPB because you are listed as the entity that is supposed to keep these Institutions in line. please help me with this situation. ive written them a couple cease and desists but they just ignore them like i dont even matter.
Product: Checking or savings account

Well my XXXX year old XXXX son figured out how to log onmy XXXX  account on XX/XX/XXXX and buying XXXX at {$12.00} plus XXXX at XXXX plus XXXX for XXXX XXXX I contacted XXXX several occassions. i also contactedmy bank on XXXX/XXXX/17 to be told theywere still processing cannotdo anything to dispute it. then on XXXX/XXXX/2017 i contactedmy bank bank of america to dispute the charges as they were not authorized by me and did not know they happened until i got an email from XXXX. Also my bank accessed me {$100.00} in over draft charges. I filed a dispute with claims department at XXXX XXXX our time on XXXX/XXXX/2017.I was told that she give me a temporary credit on my acount for the XXXX transactions and theover draft fees. Well two hours later i called back to talk toa supervisor of my bank in claims to be told that they will not credit back the transactions unti ten business days later and the overdarft fees another three to five business days after that. thisis not right as it was an unauthorized purchase and should have been credited right away after the dispute was filed. i do not appreciate being lied to as first lady in claims said she was working on the credits back right then only mention of the ten days was that i get a letter sign it send it back to the bank. This is very unacceptable not to give me temprary credit for the transactions and the over draft fees as it was done by my minor XXXX son without my knowledge or permission. This is unacceptable to not help me with this situation and lie to me. Not happy at all.
Product: Credit reporting

My complaint with XXXX XXXX is that they never sent a final bill to my updated address of email address. When I cancelled services, I called to have the final bill resolved -- which included providing an updated address to send the bill to. Though I never received that bill, or any notification that they were trying to collect a debt from me -- my account was charged off to collections. Once I noticed the debt on my credit report, I immediately paid the balance to the collection agency. I have tried to reconcile with XXXX so that they will remove the reporting but they will not attempt to do so because they feel the reporting is valid. Even still, I I never received a final bill. Customer service has been trite and uncompromising in working with me to get this resolved. I find the actions of XXXX XXXX to be both unprofessional and unfair reporting to my credit report. I Seek to have the negative credit reporting removed completely from all the reported to agencies : XXXX, Equifax, XXXX, XXXX, and XXXX XXXX XXXX XXXX. I find any trace of negative reporting to be unfair as it will affect many of my future endeavors negatively.
Product: Credit reporting or other personal consumer reports

I would like to request that the original contract that I signed to create each debt on my credit report and then the original balance from the original company that I signed the contract with and then also the contract that says that the original creditor has sold the debt to the creditors that are now claiming the debt and I would like them to furnish them within the next 30 days XXXX if they can not furnish these documents then I request that all the items that have not been validated be removed immediately thank you and have a great day. Also the debts I am talking about are from XXXX XXXX and XXXX XXXXXXXX mainly but every debt that is claimed against me must be first validated by the company and furnish the documents within 30 days
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I had a XXXX card account from XXXX XXXX XXXX, which coincided with my time in XXXX Unfortunately, during this period, I encountered a financial setback that resulted in two instances of late payments within the past 30 days. Despite this challenge, I diligently managed to catch up and completely paid off the account. However, I have discovered that this account is currently reflecting as negative account activity on my credit report. After paying off the card, I discontinued its use, and it was subsequently closed due to non-activity. 
This misleading information is impeding my ability to pursue a significant milestone in my life- buying a home. Maintaining good credit is of utmost importance to me, and I am eager to rectify this situation. I firmly believe in taking responsibility for my financial obligations and view good credit as non-negotiable. Now, I am compelled to request XXXX to rectify this discrepancy and remove the damaging information from my account. I am aware of the importance of adhering to policies, but I also firmly believe that everyone deserves the opportunity to make amends for past mistakes. I firmly believe that the repercussions of unforeseen circumstances should not have a perpetual impact on one 's financial standing.
Product: Bank account or service

US Bank has frozen my accounts ( XXXX ), beginning from on or about XXXX XXXX, 2016 to present without providing any cause of their action. I have received no written documents or phone calls from US Bank representatives giving reasons for freezing my accounts. I have visited branches I do business with on several occasions in the XXXX area and they are not able to give me any justification or even the responsible party that locked me out of my accounts. To date there has been no attempt on the part of US Bank to contact me regarding why these accounts have been frozen. I am a single XXXX XXXX veteran with XXXX who face extreme financial problems if this matter continues further with US Bank.
Product: Credit reporting or other personal consumer reports

I created an agreement with the company of Midland management to pay off my debt and clear it off my credit. I paid it off in XXXXXXXX XXXX XXXX  and they have yet to take it off my credit like they have agreed to do. 
This is slowing me down as a XXXXXXXX XXXX to succeed and move forward in life.
Product: Checking or savings account

I open a checking account with XXXX  XXXX XXXX in XXXX XXXX, XXXX VA on XX/XX/2018 with deposits of around more than {$25000.00} with cashier checks, cash and USPS money orders. They gave me like a receipt that reads that USPS money orders will appear on my account the next day ( XX/XX/18 ) and the cashier checks on XX/XX/XXXX. Next day i check the account and i saw the cash and money orders deposits. I went to the bank to withdraw money on XX/XX/XXXX, and i didnt have the money order deposits available anymore. They told me they put a hold to everything till XX/XX/XXXX ( 11 day hold ) and they didnt gave any new receipt nor gave me a logic explanation for it.
Product: Debt collection

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.

Credit systems There are XXXX  accounts with this collection agency 15 U.S.C. 1681 section 602 A. States I have to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer re
porting agency can not furnish a account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account listed on my TransUnion credit report under the tradeline XXXX. TransUnion has the account listed as a charge off with a balance of XXXX. This account was included in a XXXX XXXX bankruptcy that was discharged in XX/XX/2020. I have disputed this account several times with TransUnion, and they refuse to change the status to : " included in or discharged through bankruptcy '' with a XXXX balance. XXXX has the tradeline reporting correctly, and when I disputed the account with XXXX, they removed the tradeline completely. I need TransUnion to update this tradeline to reflect the proper information reporting on the other two credit bureaus.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Equifax requesting an investigation into inaccurate items appearing on my credit report. In addition, I disputed incorrect personal information listed in my credit file. To aid in verifying my identity, I included a copy of my photo ID, social security card, and a recent bank statement with my current address. 

Despite my detailed and valid request, Equifax has failed to provide any investigation result. It has now been more than 30 days since my submission, and no communication or resolution has been provided. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

Equifaxs inaction and failure to respond to my dispute appear to be a direct violation of this requirement and deny me my consumer rights.
Product: Credit card or prepaid card

My social security number has been stolen and is circulating on the deep web. I have reached out to Bank of America and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX credit score is now in the 400 's because some how my information got out and someone took advantage of it. I am looking to get these accounts removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have a non escrow mortgage since XX/XX/XXXX. I pay my insurance and property taxes when due. I suffered unemployment hardship. My last property tax payment was XX/XX/XXXX. In XX/XX/XXXX, SLS mortgage service provider made a payment on my behalf claiming serious delinquency. They have attempted to put me in Forced Escrow to continue to claim I am not curent on my mortgage. I have tried at least a dozen times to remedy this, which many claimed at SLS was feasible as I rejected their offer to voluntarily submit to an escrow loan. 
Today, XX/XX/XXXX, I payed {$2200.00} as their statement claimed would bring my mortgage completely current. I was forced to do so to start gaining the legal leverage I need to sue them for the return of my forced escrow. My mortgage note does not appear to me to allow forced escrow. I plan to pay my property taxes for XXXX due XX/XX/XXXX directly to ensure their forced escrow was a malpractice on their servicing. I owe them $ XXXX and I'm sure they would like to foreclose on a $ XXXX home. I am arguing that this is completely improper abuse of their SLS servicing leverage and should therefore be fined heavily if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im showing student loans were taken using my identity for {$31000.00} ( 8 accounts ) this is fraudulent and my identification was stolen. I never took any loans with The department of ED.
Product: Debt collection

they call my consumer cellular phone at least twice a day, every day, sometimes in late evening. I only know it has to do with debt collecting because I checked the numbers involved. 
XXXX numbers ... same tactics. 
XXXX XXXX
Product: Credit card or prepaid card

I XXXX XXXX I never received my credit card in the mail and there were unauthorized transactions on my account amounting over {$3000.00} dollars over my credit limit
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX
Product: Checking or savings account

unauthorized person withdrew money from my savings account on XX/XX/XXXX, 2017 from Ally Bank/XXXX XXXX, XXXX. <P/>Person of interest is an employee.
Product: Debt collection

On XXXX I received a letter from Voss and Klein attempting to collect a debt the amount was insufficient. I stated to them the collections amount was wrong and thats not my account I tried disputing it it did not come off. I asked the collections agency Voss and Klein to stop contacting me about a debt thats not mines they continue to call and harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX IN XX/XX/XXXX.
Product: Vehicle loan or lease

They haven't report any payments from XXXX of XXXX, and XXXX of XXXX on my credit report. My actual balance is is XXXX, and on my credit report it shows more than XXXX. I've tried refinancing it to go to another bank, but I'm not able to cause they don't report any of my payments or anything to the credit bureau. I was even locked out of my account for a year and they neglected to help me, by saying they were gon na send me an email with a reset link, but never did.