23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On XXXX XXXX, XXXX I mailed an unauthorized inquiry letter certified to this Credit Bureau upon checking the letter was delivered XXXX XXXX, XXXX here it is today XXXX XXXX well over 30 days. I have contacted Equifax in regards to this dispute because I have not received any documentation in reference to this dispute. And I know my rights as a consumer when it comes to the Bureaus not responding within 30 days. Upon talking to a Representative she was able to tell me that they had received the letter that was mailed out XXXX XXXX, XXXX and received by them XXXX XXXX, XXXX but was unable to tell me why I never received anything in regards to the dispute. And then proceeded to tell me she can mail me out a letter stating how to have these unauthorized inquiries removed well after the 30 days from when the Bureau received my letter, also proceeded to tell me I have to contact the companies when I have contacted them on numerous occasions and was told I have to dispute them thru the Credit Bureau and that was my purpose for sending off the dispute letter that was never taken into consideration by Equifax. I know my rights as a consumer and know that inquiries are only allowed to be placed on your report for 1. Firm offer of credit 2. Insurance 3. Employment and 4. Court order. The following inquiries listed on my report are related to none of the aforementioned permissible and would like them removed from my report. As follows 1. XXXX XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX/XXXX/XXXX 8. XXXX XXXX Bank XXXX/XXXX/XXXX 9. XXXX XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX/XXXX/XXXX 11. XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 12. XXXX XXXX XXXX XXXX/XXXX/XXXX 13. XXXX XXXX/XXXX/XXXX
Product: Student loan

Please review my student loan account because it is reporting inaccurate information. This account was open XX/XX/2011 and has not been ( 30, 60, 120 days ) late, but Fed Loan Servicing has increase my balance from {$96000.00} to {$110000.00} ... just within the last few years. Please investigate the accuracy of this account ASAP. Fair Credit Reporting Act 611 ( a ) [ 15 USC 168li ( a ) ], I 'm writing this letter regarding this alleged amount of {$110000.00} with the account ( # XXXX ). I recently received a copy of my credit report and wish to dispute the accuracy of some information contained in the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to whom it concerns, i am writing this matter to you all myself without the help or assistance of any third party. I will now start with my complaint. This matter is directed to Transunion. Included in my complaint is my police report which states and supports my claim of identity theft, a letter from XXXX XXXX XXXX XXXX. that i received to showing proof that my information/data was included in their data breach as well as i am a victim of the XXXX data breach. Just speaking about all of this is a headache in itself. The matters in which i have had to deal with has been even more life changing. this is not my first time submitting this information to the consumer reporting agencies, specifically in this case to Transunion and still they have not corrected the matters. which is a sign of them neglecting me the consumer and doing as they please with my life and my credit report. My life has been traumatized by this. I have missed out on employment, housing and interest rates through the roof because of this.
Product: Credit reporting, credit repair services, 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 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. 
some of the inquiry accounts have been removed but some were not removed which I didn't give them consent to run a credit check which shows as hard inquiry on my account. 
Bank name : XXXX XXXX  Inquiry date : XX/XX/2021 Bank name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2021 Bank name : XXXXXXXX XXXX XXXXXXXX Inquiry date : XX/XX/2021 Bank name : XXXX XXXX Inquiry date : XX/XX/2021 Bank name : XXXX XXXX Inquiry date : XX/XX/2XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX XXXX 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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Student loan

They cancel your autopay options and then do not notify you of account changes, this has happened multiple times. 

I have the money to pay in my bank account ; I put all the loans on autopay and expect to have the money withdrawn. They will pull a loan off autopay with no notification, no call, email, or letter. 

They want you to go in forbearance so they can charge more interest and fees ; even when making SEVERAL years of on-time payments in full. 

Very dangerous place to pay back loans!
Product: Credit reporting, credit repair services, or other personal consumer reports

My first issue is that I have an account that I have contacted both the company and credit bureaus that is reporting closed on all my credit files back in XX/XX/2015. This account was paid off in full by my insurance company. Although they are reporting inaccurate information that shows this account has a balance and has been charged the credit bureaus and company is stating that it was charged off years later and although it has been charged off the balance is currently rising and shouldnt be. Although I have disputed this with the credit bureaus I dont believe that they take the necessary and required steps to fully investigate by law. Lastly the company will not honor my request to receive the steps taken in the investigation.
Product: Credit card

I had set up automatic payments for this account, and Synchrony Bank did not try to pull my payment from my account ( with sufficient funds ) associated with automatic payments.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on there 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 Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate readdress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Contacted XXXX XXXX XXXX XXXX and they are saying that my credit reporting is accurate and want fix the error that i am complaining about.they are reporting a paid charge off account as paid in full charge off along with payment history of a charge off in 2020 which shows up as a recent missed payment. 

i was convinced to pay the charge off in full in exchange for a pay for deletion and to be removed from XXXX. i was removed from XXXX  but the updates on my credit reports are inaccurate across all 3 reporting agencies.everytime i address this issues with XXXX XXXX there response is to prove the account is mine which is the wrong reason i'm disputing this account.i am disputing the payment history that is being reported as a missed payment in different forms with the 3 credit reporting agencies. 

I will attach the 3 credit reports and show the inaccuracies clearly, i do not know what else to do as far as showing the inaccurate reporting that is being reported as accurate. it has been almost 2 years of the same thing from XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX can clearly see the error but refuse to fix by replying with account verification documents, which clearly is not being disputed. i am disputing payment history reporting errors which should say settled or no data because the only comment should say paid charge off as agreed or Settled if that cant be reported across all 3 reporting agencies. 

attached are XXXX and experain reporting
Product: Checking or savings account

Wells Fargo contacted me about XXXX checks that were deposited and were verified as fraud. I contacted the bank to let them know that I found out that I was scammed. The bank made a decision to close the account without my permission. The bank took {$300.00} out of the account to cover the {$400.00} the bank made available. The account is now showing overdrawn {$100.00}. 15 USC 1643 ( a ) Limits on Liability ( 1 ) ( B ) the liability is not in excess of {$50.00}. 

The company has continued to charge me XXXX XXXX monthly maintenance fees when I did not give authorization to electronically take {$14.00} out of the account. Violation of 15 USC 1692e ( 2 ) ( 10 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted you and requested a reinvestigation for Chapter XXXX bankruptcy record reference # XXXX that is appearing on my credit report. In response to my request, your company replied saying that you verified the item as accurate and that this information was verified as accurate by the United States Bankruptcy Court of XXXX  District of Mississippi. I contacted this court and their response is enclosed. It is clear that they do not report you or to any credit bureau for that matter ; therefore, your original response verifying this item with the court was either an error or a lie. Either way, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C 1681 ) and the information must be deleted immediately. I have also enclosed a letter from XXXX XXXX which states that they did not verify this record either! If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the FTC and my state attorney general.
Product: Bank account or service

On XXXX XXXX, XXXX I noticed a " Miscellaneous '' debt in the amount of {$470.00} to my checking account with The Huntington National Bank. I immediately called the customer service hot line and spoke with a representative. The representative said she could not see what the charge was, but it looked like it had been initiated at a banking office. She stated that since the charge was still in pending status that I had to wait for it to clear before I could find out what it was. The morning of XXXX XXXX, XXXX I looked at my bank balance and the charge listed as " OD Recovery ''. I went to my local branch office in XXXX Ohio, XXXX XXXX location to find out what was going on. The man I spoke with, XXXX XXXX, made a phone call and after several minutes informed me that it was Huntington that took the money out of my account. It was supposedly to pay off a closed account from XXXX that charged off in the amount of {$470.00}. This money was taken out of my current checking account, without warning/notice. I received no notification that this was going to take place. I was given no chance to investigate if it is even a factual/legitimate debt that I owe. Furthermore, I have check written on that account that will now bounce or withdraw my current account. The banker that I spoke with, XXXX, said they had been trying to take the money out of my account for years and now they " finally got it ''. When I asked him why I was n't notified that I was going to be withdrawn from my account, he said I will be receiving a letter, after the fact, of course. When I asked him what I was to do about the checks I have outstanding on my account, that I had the funds to cover, until this morning when they took money out of my account without permission, he said I should turn to a church.
Product: Credit card

This is related to communication that happened over this weekend - including Thursday and Friday of this week. My credit card number information was stolen without my knowledge for an unknown perpetrator to go on a spending spree. Three police departments ( my hometown police department, and the two police departments where the merchant has locations of business ) have opened up felony criminal credit card fraud investigations. Nevertheless, I was discouraged from Citibank staff to send in any written documentation proving my side. When I asked would this then just be resolved in my favor, I was told that was a loaded question. Well, if Im not allowed to submit the police reports and written documentation proving there was NO legal authorization, then is Citibank going to just flip a coin? So I did go ahead and submit all the relevant documentation- including proving the signature provided was NOT mine and the authorization was NOT made by me. I also submitted the 3 open police reports or case informations from the police departments. I was told I should do my criminal investigation against the merchant and contact them, but I do not want to dabble into vigilante justice. This is why we have the police, and FCBA requires Citibank to remove ALL fraudulent transactions- and I should NOT have to put my life in imminent jeopardy.
Product: Checking or savings account

On XX/XX/year>, I received a notification email from Chime saying my account will be closed but theres no specific reason why they are closing my account. 

I have emailed their customer service team and called them on XX/XX/year> just to ask for the specific internal reason why they are closing my account but the only answer from them is that the email they sent. They havent given me any information afterwards. 

I believe being a loyal customer has the right to know why they are closing my account with reasonable explanation.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. PRIVACY ACT 1974 states how the credit reporting agencies can not use system methods of any sort to furnish things on my credit. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Please remove ASAP Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.
Product: Credit card or prepaid card

I received a late fee and interest charge payments from Capital One in XX/XX/2020 after submitting a payment two days after it was scheduled due to unforeseen circumstances related to the COVID-19 pandemic. I contacted them to explain my situation and they declined to waive the fees and instead directed me to a debt collector ( after I already made my payments ) when I asked for more information and to get reassurance that I would not be charged fees again. I closed my account based on their lack of transparency and poor customer service. I paid the fees, and my next statement in full before it was due. I received another interest charge this month in XXXX. When I contacted the customer service to send me the information in my statement to justify the fees - they said they could not - and when I asked to file a formal complaint - they said there was no way to do so.
Product: Money transfer, virtual currency, or money service

I send a payment t ( {$520.00} ) o a close creditcard account of Bank of America but the dont refund until a made a complaint with you ( # XXXX ). They send a check XXXX to my bank XXXX XXXX  XXXX XXXX XXXX with any information of me. My bank, unable to apply the payment to anyone, returned to Bank of America the amount of {$520.00}. with XXXX on XXXX deposit on XXXX on bank. I try to reach without rsponse with XXXX XXXX XXXX XXXX Specialist of Regulatory Compaints of Bank of America, XXXX XXXX XXXX XXXX that work with me before this problem. She dont return my massage. I want that Bank of America send me the check to my address : XXXX XXXX XXXX XXXXXXXX, XXXX, PR XXXX or send to the bank with my name on it. Bank of America can reach me to my phone number XXXX.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I recently checked my credit report after not checking it for years and i noticed a collection for a phone bill that I know I didnt have. I contacted  XXXX  and I was unable to get any information from them. The collection is as follows ;  XXXX  ERC  Original Creditor-   XXXX  Date Opened-  XXXX   XXXX ,  2014 Bala nce- {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, on XX/XX/12 I called MR Cooper to inquire about a check I received from them in the amount of XXXX. While the agent reviewed the information and etc. ( MR XXXXXXXX XXXX ) noticed that I have a PMI on my account so he assured me he HAS THE AUTHORITY to remove that mortgage insurance, I was so happy to hear that only to find out that it was all XXXX at the end ; he has not any AUTHORITY, he was only just trying to sell me another refinance for my actual mortgages which Im happy with, and he also never told me that was he was doing until the end whe he send the documents to my email. I never asked for that and didnt even call MR Cooper for that reason ; his actions cost me a bunch of points down on my credit since part of the process was to run our credit reports ( me and my wife ) thinking he was someone with the AUTHORITY TO REMOVE THAT PMI from my mortgages. Because of this bad, fraudulent and false practice, Im filling this complaint. I send file a complaint about this with Mr Cooper but they have done anything so far.
Product: Money transfers

Moneygram is applying arbitrary rules to block legitimate transactions, collecting unnecessary personal data, and upon receipt of this information from me they are choosing not to offer the service they falsely advertised, under false pretense, with no recourse whatsoever to the consumer whose very personal information they now possess. I verified this by attempting to send a {$15000.00} XXXX dollar transaction to my friend in XXXX, which is around {$120.00} XXXX dollars. I was required to answer questions about the nature of our relationship, when I last saw her, where we met, how often I see her, and then was asked for the birthdates of several family members and a close friend and business associate. I provided this information truthfully, and patiently, during a XXXX minute call where all my information was given to an offshore call center agent. The end result was to be told that they would not send my transaction due to a decision by Moneygram Security, which is an algorithm, or amorphous intelligence appartus of a private or public-private nature, or some kind of unaccountable agency or group within the company, or perhaps merely a machine learning model. Bottom line, there was no rhyme or reason to the decision, and the company did not feel compelled to justify their actions in any manner. I recognize that most customers of these money transfer services are immigrants, and public policy currently opposes immigrants, but I am a native-born United States of America citizen who was trying to use this service to send slightly more than a XXXX dollars to a friend. If a money transfer business will not provide this service to Americans, it should not be allowed to do business in this country.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft & Fraud, that was never blocked, on my account. Duplicated Account. 
Inaccurate Account Information, Incorrect Information on loans, balances, payment amount. 

Missing Credit Cards Accounts that is not showing on my credit. 

Example : XXXX/XXXX, XXXXt/XXXX/ XXXX