23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

About 6 months ago wellsfargo said I was deceased and closed my account with about $ XXXX, after having the account since XXXX. After providing them all the info to show in was infact living, they opened my account but left me with no access because if a 2factor issue and they claiming the issue needed time. After about 4 days recieved notification that all my accounts were closed and in 30 days or so i would recieve what ever funding that was mine and the rest would be returned to clients. As of yesterday i checked my accounts, and all the funds are still in my accounts and they are just holding life savings, clients and my unemployment and with out anyway to recieve them. i have been XXXX  XXXX, and at this rate ill be XXXX before the money that might save me or at least keep this going becomes available. 
make matters worse i cant open a new bank because j cant get verified anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX Bankruptcy Experian furnished Date Filed/Reported XX/XX/2017, Ref # XXXX, Closing Date XX/XX/17, XXXX/ XXXX XXXX XXXX  XXXX  XXXX XXXX furnished Date Filed/Reported XX/XX/2017, Ref # XXXX, XXXX XXXX There is inconsistency furnished across the bureaus and incorrect dates.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ) states that consumer reporting agencies must exercise their significant responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, Experian, and XXXX are consumer reporting agencies, and I am the consumer. I have the right to ensure that my private information is not shared, which is supported by 15 USC 6801, which states that financial institutions have an affirmative and ongoing obligation to respect the privacy of their customers and protect the confidentiality of their nonpublic personal information. 

As a financial institution, the ( Furnisher of information to credit agencies ) has a responsibility to report information accurately. Additionally, 16 CFR 433.2 prohibits the reporting of transaction history, and 16 CFR 433.3 states that if the contract was written after XX/XX/XXXX, it must apply. 

Furthermore, 15 USC 6802 ( b ) ( c ) states that a financial institution can not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how to exercise the nondisclosure option, which I was never informed about.

Additionally, 15 USC 1681C ( a ) ( 5 ) states that a consumer reporting agency can not include any adverse item of information, other than records of convictions of crimes that are more than seven years old, in a consumer report without the consumer 's permission. These accounts are an adverse item that they are reporting again without my permission, which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states that 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. Additionally, 15 U.S. Code 1681e requires every consumer reporting agency to maintain reasonable procedures to avoid violations of section 1681c and to limit the furnishing of consumer reports to the purposes listed under section 1681b. 

XXXX, Experian, and XXXX are not maintaining reasonable procedures, and since I have written several notices concerning my report, I would like to seek compensation on my behalf for defamation, negligent enablement of identity fraud, violations of the Fair Credit Reporting Act, willful injury, and financial injury. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I had a balance on my XXXX credit card of {$21.00} that I was unaware. I received a credit alert in mid XX/XX/XXXX that my account was over 30 days past due. I immediately called the Capital One about the issue. My address that they had on file was invalid and I  gave them the correct address information. They reversed the late fees and finance charges and I paid the balance immediately. Although, my other contact information was correct, I never received any phone calls or other communication from Capital One that there was an issue with my account. I asked them could they correct the 30 days past due on the credit bureau reporting because I didn't want to be penalized for the bill that I was unaware and for them not having my correct address. They said no that I would have to contact the credit bureau. Of course, I contacted the credit bureau and they said that Capital One would have to correct it. I disputed it at all 3 credit bureaus. To date, the negative reporting was reversed at XXXX. In XX/XX/XXXX, the negative reporting was reversed with XXXX   but they have since put it back on in XX/XX/XXXX. I have been given the runaround because of this issue and it has become very stressful. My credit bureau score dropped 87 points because of this negative reporting of {$21.00}. XXXX keeps saying that the company needs to correct it and then they close my dispute with no notification or disclosure of results. Capital One keeps telling me to contact the credit bureau. I'm at a lost here of what to do next.
Product: Money transfer, virtual currency, or money service

I have repeatedly asked PayPal to close fraudulent accounts opened in my name with my social security number since I was just a teenager. I found out about them last year when PayPal placed a limitation on my account. I only started using PayPal last year to make purchases on websites when I thought they were questionable because I heard about PayPals purchase protection program. I have been a victim of significant identity theft and my legitimate account was hacked early on but PayPals team was able to help me secure it quickly over the phone, for which I am grateful. I would like PayPal to please close and erase any accounts associated with my name, social security number, address, phone number, etc. that are not under the email XXXX. I did not create any accounts besides this one. Several PayPal employees have ensured me this has been done and the limitation has once again popped up several different times, so I feel I am being lied to and brushed off. Id appreciate if someone can help me sort this out once and for all. An old police report is attached from when I got a piece of mail from PayPal several years ago regarding an account I did not open. I mentioned it in the police report description. Please let me know if you need anything more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus On XX/XX/2023, to update this suspicious information. I think you have not validated these accounts, This was already included in my prior COMPLAINT, and I'm including it again. 
Please verify these accounts as soon as feasible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am filing this complaint independently, without any third-party involvement. Enclosed are letters detailing significant discrepancies in my credit report across XXXX, XXXX, and Equifax. These bureaus have reported inconsistent and untimely information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Genesis or whoever it is uses my information without my authorization. They need to further investigate who exactly used my information. 

Please ask Genesis to provide the identification that was submitted to them by whoever person tried to open an account using my name as it is considered Identity Theft. 

I badly need your help in this manner. 

XXXX XXXX
Product: Credit card

I deposited XXXX into a college fund for my son. The college fund comes with a credit card The card was a " XXXX XXXX '' XXXX College Rewards - American Express. 
With XXXX or 2 % cash back deposit into the XXXX plan. 
The card was tied to XXXX XXXX XXXX which can be accessed via XXXX The service was horrible. There was no bills, there was no way to pay the bill except by mailing a check to a very hard to find address. 
Lately the card management passed to XXXX. After this, they started charging extra fees, and reporting me for missed payments with out notifying me that their policy regarding missed payments changed. Prior to this I would make payments at my leisure every XXXX to two months. 
Lately they demoted my credit from XXXX to XXXX. I am pretty sure that they dropped my credit score by at least XXXX points. Never get XXXX XXXX.
Product: Student loan

I have been applying for public service loan forgiveness for months. My paperwork is not being handled in a timely manner and Im ready for these loans to be DISCHARGED!
Product: Bank account or service

I have my HSA and XXXX accounts at Wells Fargo and called them around early XX/XX/XXXX to retrieval my login info. I was told that I have other accounts with the bank and asked if I wanted to reconcile my accounts. When the operator tried to reconcile the accounts, it was unable to do it because the other account ( XXXX ) opened on behave of me did not originate from me. I then went to branch office and submitted my identity info and ssn copy and was told that they will investigate if this is an identify theft and give me a report. I did not hear back as of XX/XX/XXXX and called them again. This time I was transferred to their ID theft dept. I raised the issue again and they finally called me back XXXX days after. I was told that it was an internal error and not an identity theft. When I asked for a report, they refused to do so. I think that they should give me a report on why my name and ssn was used for opening accounts for other person? how it happened?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$420.00}
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), there exists a crucial need to ensure that consumer reporting agencies discharge their duties with fairness, impartiality, and utmost respect for the consumers right to privacy. Recognizing XXXX, XXXX, and XXXX XXXX as consumer reporting agencies, and myself as the Consumer, I assert my right to safeguard my private information. This right is reinforced by 15 USC 6801, which mandates that financial institutions uphold customer privacy. XXXX XXXX XXXX/OppLoans, and XXXX XXXX XXXXXXXX fall within the definition of a financial institution under this statute. Per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are authorized to furnish a consumer report solely in compliance with the written instructions of the consumer. XXXX XXXX XXXXOppLoans, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX lack my consent to furnish this information and are devoid of my written authorization. Any form of consentbe it verbal, non-verbal, written, implied, or otherwiseextended to XXXX XXXX XXXXOppLoans, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX is hereby revoked . Moreover, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt-out. Regrettably, XXXX XXXX XXXXOppLoans, and XXXX XXXX XXXXXXXX failed to apprise me of this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) expressly prohibits consumer reporting agencies from including adverse information in a report without proper authorization. The accounts in question constitutes adverse information being reported without my explicit consent, which constitutes a violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that individuals may not furnish inaccurate information to a consumer reporting agency, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations. XXXX, XXXX XXXX and XXXX are evidently failing to adhere to these requirements. Lastly, 12 CFR 1016.7 affords consumers the right to opt-out at any time. Consequently, I am opting out of XXXX XXXX XXXXOppLoans, and XXXX XXXX XXXX XXXX reporting services .
Product: Debt collection

Cashcall is attempting to collect a fraudulent debt.

My identity was stolen= $ XXXX were charged on Credit Cards with my information. They have since been removed from my credit report.

Cashcall at this time will not remove the debt and can not provide verification. I have pursued this as fraudulent with them to no avail.

This has been going on for four years. They held the debt in collections beyond the legal limit for state and refused to move it off until they received two separate CFPB complaints. They can not provide the form information or verify the source of the form information. This has been going on for over four years now and I need it removed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate and unauthorized information on my credit report, which violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I did not authorize XXXX, XXXX, or Equifax to include the following accounts on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The open dates , dates of last activity, and other details for these accounts are incorrect. Under 15 USC 1681i ( 5 ), credit reporting agencies must modify any inaccurate or unverifiable information on a consumer 's report. 

Furthermore, including these accounts without my consent violates : - 15 USC 1681 section 602A, my right to privacy - 15 USC 1681 section 604 A section 2, which prohibits furnishing an account without written consumer authorization - 15 USC 1681c ( a ) ( 5 ), which limits reporting adverse information over 7 years old - 15 USC 1681s-2 ( a ) ( 1 ), which prohibits furnishing known inaccurate information Additionally, repeatedly contacting me about these alleged debts at my place of employment violates 15 USC 1692c , which prohibits communication at an inconvenient time or place. Contacting my family members about these debts violates 15 USC 805 ( b ), which prohibits communication with third parties. 

I request that you immediately delete these unauthorized accounts from my credit report to ensure accuracy and compliance with the FCRA. Please provide me with an updated report reflecting this correction. Accurate credit information is essential for me to obtain credit and employment, and I appreciate your prompt assistance in resolving this dispute.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act 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 2 : it also states a consumer reporting agency can not CAN NOT furnish my account without my written permission This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Debt collection

After dealing with an XXXX  in South Carolina, it changed my life drastically. It involved a change of address and non the less all communication was sacred. Willing to pay the debt that I accumulated, I called the XXXX @ XXXX XXXX and spoke with XXXX ( horrible person ) only to be told there is nothing that they could do, never giving me the debt collectors information or helping assist me with settling the debt I owed. I resided with the XXXX @ XXXX XXXX for a year, fulfilling my lease, and making sure all was well with rent payments, late fees, etc. Before moving out of my apartment I thorougly cleaned each room, leaving a cleaned apartment complex. Even the carpet was cleansed. As a victim I had no clue where to start after the incident, so it caused multiple complications such as lost wages and social complications. Please help me to settle this debt so that I will not have to file bankruptcy. Sincerely XXXX
Product: Mortgage

As I do every month I send my payment via bill pay through my XXXX XXXX XXXX checking account. I received numerous calls from TMS ( The Money Source ) multiply times in a day stating they didn't receive my payment. I checked with XXXX XXXX XXXX they confirmed the payment was sent and delivered on XX/XX/2019. After a week or so, I continued to get calls from TMS stating they didn't receive my payment. We contacted XXXX, they placed a stop payment, issued a refund & we made another payment, TMS reported to our credit report 30 days. This is the second time we had the issue with the TMS. They did the same thing in XXXX. Claimed to not receive the payment & then in XXXX they posted it on XX/XX/XXXX & then said who if we would have received it on the XXXX of XXXX we wouldn't have reported you. I explained to them the XXXX is a Federal Holiday & they should have posted it according to the date received & if they were behind, they should have back dated it.
Product: Credit card or prepaid card

Starting last month, XX/XX/2021, after multiple years of having this Macys account, they are preventing XXXX XXXX XXXX from making purchases online stating authorization holds even though Macys has repeatedly cancelled online purchases about 10 times in the last two months. 

XXXX XXXX XXXX is a co card holder, and can prove that hes been able to buy the same items in store off the shelf and ordering with a clerk online in the store, that Macys cancelled online. Worse Macys is not updating the available balance for multiple weeks after payments have been made, returns have been made, cancelled online orders by Macys etc. The available balance keeps deducting without lawfully updating the account to current. They keep issuing billing statements with wrong available balance that doesnt match with current balance. 
This happened last month and they promised this wouldnt happen again, ona legal phone call recording that, we, XXXX XXXX XXXX and XXXX XXXX XXXX have an are withholding for our evidence. 

Balances are required to be updated immediately not weeks later. 

We are very concerned that Macys admitted in an online chat on XX/XX/2021, which is attached to this complaint, that there are authorization holds. 

No explanation for this. Only reason there would be any authorization holds on an account, would be stating theres a illegal conservatory accessing our account without our knowledge. 

By definition of having this card there shouldnt be any authorizations required. This card had a {$7300.00} limit, which proves authorizations are not required. Theres no such thing as authorization required to make online purchases. 

We dont accept this unlawful response. On time payments for over 4 years. This has been happening for the last couple months now. Doesnt make sense. Especially when a instore clerk can order an online purchase for XXXX but Macys wont allow it to personally done online. 

Whats the problem? Why is this happening all of a sudden? Authorizations doesnt exist. 

This complaint doesnt require a phone call because Macys isnt putting anything in writing besides the admittion through the Macys chat. 

Why is it taking weeks to update available credit usage and balances? Why is this happening all of a sudden? Why is Macys preventing online purchases? This has never happened. 

Why is Macys not following fair credit reporting act. 

Phones calls were already made, and it didnt resolve anything. Screen shots of this online chat is attached We, XXXX XXXX XXXX and co card holder XXXX XXXX XXXX XXXX all rights as pro se.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXXXXXX  I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE WELLS FARGO DEALER SVC 4 LATE PAYMENTS Balance details 2 % paid off Balance {$47000.00} Balance updated XX/XX/XXXX Original balance {$47000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Open. {$2400.00} past due as of XXXX XXXX 
Status updated XX/XX/XXXX Past due amount {$2400.00} Original balance {$47000.00} Monthly payment {$760.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 73 Months CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.