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

TransUnion, has alerted me that my background information is being furnished with inaccuracies. I then contact the source that was provided and was informed by XXXX XXXX  the furnished that information to TransUnion. I then contact TransUnion for accuracy and furbishers information. I was given countless numbers to call with no result. I was told that the information wouldnt appear again but it has. I have prove that this information that is being furnished are inaccurate.
Product: Checking or savings account

XXXX complaint : Money was stolen via online transfer from a joint savings account through a XXXX account that was linked. Wells Fargo is telling us that they are not responsible and that. Someone created an online persona of my son and somehow stole just under {$10000.00} from both accounts. My son was a minor when this joint account was established in XXXX when he was XXXX year old. He was never a co-owner because he couldn't have signed anything as a XXXXyear-old. Apparently Wells Fargo had a change in their system in XXXX and he was switched to a co-owner. I have clearly found a copy of that agreement in my safety deposit box at the bank at he did not sign this form BECAUSE he was still a minor in XXXX. This is definitely a bank error. If he wasn't listed as a co-owner, then this situation would have clearly not happened because his account would have not been linked with his personal checking account. So, in XXXXXXXX XXXX  2024 when we found out we had been victims of fraud we had to close our accounts. this is when we found out that my son was a co-owner and not a beneficiary. At this time, we changed him to a beneficiary again like he was before a bank error made him a co-owner so that no further fraud could be committed from our joint account. 

We have been customers at Wells Fargo for years and before they even merged from XXXX XXXX and XXXX. This treatment is totally unacceptable from this company. 

We have filed a police report for online fraud and identity theft and it's in the process of being investigated however things and progress have been extremely slow.
Product: Credit card or prepaid card

Comenity bank is harassing me multiple times a day for over a month by phone after I told them to stop. This had caused an incredible amounts of XXXX. It's abusive and has triggered my XXXX XXXX multiple times. I feel like they are XXXX  me and is a really bad business practice. My cellular carrier and I have records of all the incoming calls. I have blocked them and they keep on using different numbers including Restricted lines to bypass all my blocking efforts. It's abusive and making my life more difficult. I am XXXX and live on XXXX. Life during this pandemic is difficult enough for poor XXXX folks. This is making it impossible.
Product: Checking or savings account

I have previously filed with CFPB. The file was closed based on the company 's response which I feel is inadequate. When I spoke to the lady that called from the Office of the President of the bank she asked for my mother 's social security number. She put the number in her computer and said that they have no record of her. She said that they only keep records for so long and then they are escheated. I have already checked with the Ohio unclaimed funds and there are no funds listed for my mother. 

This is the information as I provided it in my original complaint along with my feedback upon receiving the company 's response. 

>>>My mother had a IRA Certificate of Deposit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio. ( XXXX XXXX XXXX XXXX XXXX ) ( Account XXXX  XXXX ) She passed away some time ago and I am having trouble locating the whereabouts of her now matured CD. Can you help me? I filed a complaint through the FDIC and they sent it on to you. Your file number is XXXX which is now closed based on the company 's response which I feel is insufficient.The company that held the account after they acquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio is Fifth Third Bank in XXXX, Ohio. The bank Presidents ' secretary contacted me and entered my mother 's Social Security number into her computer. She said that they have no record of my mother 's accounts. This IRA CD that I am looking for was opened in XXXX and did not mature until XXXX. When my mother passed away in XXXX that IRA CD was still listed in her assets so I know that she did not cash it in. My sister and I have searched our records and we do not have any information to support that we cashed it in. Including tax records fro XXXX until now. I want a further search of their records to find that account. Surely they have micro fiche from that time period! That is too much money, {$17000.00} + to let just slip away!!! <<< Further, I still have the letter that we sent to XXXX XXXX XXXX on XXXX XX/XX/XXXX that referenced my mother 's passing and our intent to deplete the account by XX/XX/XXXX. That letter had our full names and addresses and was signature certified. We were never contacted regarding anything about the account. Again - I want a further search of their records to find that account. Surely they have micro fiche from that time period! That is too much money, {$17000.00} + to let just slip away!!!
Product: Payday loan, title loan, or personal loan

I applied for this loan-I don't recall the dates specifically, XXXX or XXXX to pay up my car insurance, after an injury, and being off work. I believe I asked for {$3200.00} or {$3500.00} for the loan amount. I received the interest rate information, but I was in desperate need, so I agreed to it. In XXXX of XXXX, I was XXXX  XXXX  from my XXXX job, as a result of my VA doctor 's information to the Office of Personnel Mgmt , and lived for awhile on a monthly annuity. Well, the year is up and my annuity amount has changed DRASTICALLY. I'm now trying to get Social Security XXXX Insurance, and have to wait. In the meantime, I can't continue to pay for this NETCREDIT loan TWICE per month. I've written, them, I've called them, I've complained on their site, I've even submitted an email to their subsidiary XXXX, and kept getting error messages. I KNOW the loan is mine, I've been paying it off, AND the exorbitant interest rates. It's terrible that company 's like this can do this to the working poor. I waited for a long time before actually accepting the money, and they " hunted '' and quickly agreed to send it, but I knew THEN, I was in trouble. I'm NEVER gon na be able to pay this loan off! And it's ridiculous and unfair. I've worked 43 years of my life, and never needed one of these loans, and now I know I was right in my feeling of acceptance. PLEASE, TELL THESE PEOPLE TO JUST TAKE ONE PAYMENT PER MONTH. It's gon na prolong the loan, but at least I won't be afraid my necessary bills won't suffer as a result of this loan. NOW I pay my mortgage, car insurance, and bills. This is SURVIVAL MODE. I'm just asking for some assistance. And PLEASE, ask them to send me the TIME when the loan WILL BE PAID OFF! When I have been able to speak to a LIVE person, they've been very elusive about this information. PLEASE HELP ME.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app, Block Inc. due to an inadequate customer service unfair practice which violate the consumer financial protection act ( CFPA ) specifically Cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under electronic fund transfer Act. ( EFTA ) regulation E. These actions has caused. Significantly inconvenience and financial loss and I seek appropriate redress
Product: Debt collection

This company has been defaming my character harassing me and violating my consumer rights.
Product: Mortgage

I have asked NYCB several times to report the correct mortgage account information to the credit agencies for myself and my wife to no avail. Our mortgage account has been opened and paid on time since  XXXX  and they report it as closed. I called them in  XXXX   XXXX  to make the request and they told me I had to send a LETTER via  usps. I un derstand that they need a record of all correspondence, but in this day and age, that is ridiculous! Even the IRS and FDIC has online request submissions. I digress.     I sent a letter on  XX/XX/XXXX  and received a letter from them a month later saying that it will be updated. Several months go by and no update on our credit reports. I sent another letter on  XX/XX/XXXX  and received a letter from them a month later saying that it will be updated. Waited a few more months  and one of the  credit agencies show the account as open for my wife but only shows the last few months of payment history - still no update on my credit report. I sent another letter on   XXXX   and received a letter from them a month later saying that it will be updated. Today, still no update on the credit reports!     I must say, again, this method of communication is 100 % ineffective. If I could talk to someone on the phone there is at least a remote possibility that I could speak to somebody that could at least explain the problem or maybe even fix it.     I sent another letter today, but am also filing an official complaint as this issue is negatively affecting our credit scores.
Product: Credit card

Had a XXXX XXXX in XXXX and the first cardiologist we saw charged us over {$18000.00} US dollars in advance for a XXXX XXXX which we cancelled within one hour after we discovered he was scamming us. He actually separated my wife from me and told her I would die if this procedure wasnt done immediately. After which she gave him 2 Chase credit cards which he charged on separate processors. ( red flag ) We then found a second reliable honest cardiologist that did the procedure the next morning. I provided documentation to Chase confirming the actual procedure as well as other items and for over 2 months fought with the dispute department after which they ruled in favor of this fraudent doctor
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I contacted XXXX my student loan servicer to apply for my SCRA Benefits a service member to deferrer my student loans because I was on XXXX XXXX I was approved and my student loans that are currently open where deferred and the close student loans from XXXX where updated. This was sent all three credit Bureaus on XX/XX/XXXX XXXX. my XXXX  and XXXX Credit reports where updated correctly however my Equifax credit report was not, only the open accounts where corrected but not the closed accounts. I contact XXXX made them aware of the error they sent it an correction to Equifax Twice and my account was not updated to no delinquency or past due form XX/XX/XXXX until XX/XX/XXXX. I contacted Equifax on numerous occasion and have not gotten this resolved. Attached are email correspondence between myself and XXXX and Credit reports showing that my account was updated correctly on XXXX and XXXX but not Equifax also I have a letter from XXXX from when that last time they sent an update to all the credit Bureaus.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have reached out to Equifax and XXXX on numerous occasions over the last two years to have XXXX listed on my credit report as included in bankruptcy. I have sent the paperwork to Equifax as well as XXXX and it is still listed on my credit report incorrectly. This is hurting my credit and I need this corrected quickly.
Product: Credit reporting or other personal consumer reports

XXXX ) XXXX : OPENED XXXX CHARGE-OFF XXXXPAST DUE XXXX XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX  XXXX : OPENED XXXX CHARGE-OFF XXXX PAST DUE XXXX XXXXXXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX  XXXX : OPENED XXXX CHARGE-OFF XXXX PAST DUE XXXX XXXXXXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX  : OPENED XXXX CHARGE-OFF XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX : OPENED XXXX CHARGE-OFF XXXX PAST DUE $ XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX  : OPENED XXXX CHARGE-OFFXXXX- PAST DUE {$7700.00} THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX XXXX : OPENED XXXX CLOSED XXXX PAST DUE XXXX XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX XXXX : OPENED XXXX CLOSED XXXX PAST DUE XXXX XXXXXXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT
Product: Credit reporting or other personal consumer reports

A one time late payment was reported on my credit report recently. I was making payments for over XXXX ( XXXX ) years and this was the first late payment reported. There was only a remaining balance of {$2300.00} roughly. I didn't realized the car payment had matured and thought I had time to make the payment. Dealing with XXXX, working less hours and my daugther returning to college I managed to keep up with the payments, sometimes late, but never to late to be reported. Shortly after my credit score dropped by over XXXX points I gathered the funds to pay the loan off on XX/XX/year>. I am humbly asking for assistance in having this late payment remove from my credit report. 
Thank you for your king assistance with this matter. 

Best regfards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account Number XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX To Management Named As : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX This letter is to notify the management named XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX that your company placed an unauthorized inquiry on my credit report on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorizeon 3. Proof that I personally initiated this inquiry Either provide me with strict proof or DELETE the item immediately. If you do not delete the inquiry in 15 days, I will take legal action. 
Under 15 USC Section 623, you have 30 days to do a reasonable inquiry into this matter. 
If you ignore this letter and do not delete the inquiry or don't provide STRICT proof of authorization, I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 
Your cooperation in advance is appreciated. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/23, I received a collection letter from LVNV Funding/Resurgent for an amount over {$1400.00}, with no validation of debt. In less than one week, LVNV Funding has reported this collection to the credit bureau. I am not liable for this debt with LVNV Funding and I do not have a contract with LVNV Funding nor Resurgent. I do not have any knowledge of this account nor any proof that this account belongs to me.
Product: Credit card or prepaid card

The attached document details that the merchant ; s shipment was delivered open & damaged, confirmed by the USPS. Neither the merchant - XXXX  - nor Capital One will issue a credit. The details describe the fraud by both of these parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accts listed below are in violation : 1.XXXX XXXX XXXX- XXXX 2XXXX XXXX XXXX XXXXXXXX 3XXXX XXXXXXXX XXXX XXXX XXXX XXXX 4.XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my consumer report. 

This is also in violation of 15 U.S.C. 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. I DID NOT GIVE WRITTEN CONSENT AND THAT IS FRAUD Failure to respond satisfactorily with deletion of the above referenced account and also a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation of Character 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g and 15 U.S.C. 1681b Also this letter shall be used as evidence in pending litigation provided you fail to comply under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken auto-loan from XXXX XXXX XXXXXXXX in XX/XX/XXXX. I had auto-pay set to my Auto-loan account since XX/XX/XXXX. While auto-pay worked for a year, it failed for the month of XXXX XXXX. The reason being my first tech savings account ran out of money. I was not notified by the firsttech for any auto transfer failure or payment missed in my loan account for XXXX  months. After XXXX months i learned about this when my credit score dropped by XXXX pts and then mail came from XXXX at the same time that i have been missing payment from XXXX  months. I emailed to XXXX on XX/XX/XXXX that i had not received any communication about missed payment or late fee until XXXX months. At the same time I pre-payed my auto-loan to reduce the balance loan as well as paid the account balance to make it current. On XX/XX/XXXX the auto-pay also started going to the loan account for remaining balance. The auto loan account status was current by XXXX XXXX. 
In response to my complaint XXXX sent email on XX/XX/XXXX that they filed a dispute and i should get report in XXXX days. I later got a letter that they can not revert the late payment from my account. On XXXX despite the loan account being current my XXXX XXXX dropped again by XXXXpts in Transunion report stating Auto-loan account is XXXX day late and Auto-loan balance increased despite of me pre-paying the principal. I contacted XXXX by phone to report the same to which they told i should contact the credit union. I filed dispute to Transunion via XXXX XXXX account as well. I don't know which institution Transunion or XXXX are wrong but despite my compliant to firsttech and dispute via XXXX XXXX wrong reporting is done. Both Transunion and XXXX should be in sync about the current state of my auto-loan account.
Product: Debt collection

XX/XX/2022 I received a text thanking me for signing up for their XXXX  texts and I have no idea who they are and never signed up for anything. They also apparently emailed me a whole bunch was in my spam folder but again never gave them my contact info.
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. 

Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : 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 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 or 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 card or prepaid card

Capital one is not providing me with legitimate bills. I have received two bills in the mail. One requesting the payment, another requesting a higher payment. The higher payment of XXXX dollars does not correlate with the original agreement received when opening the XXXX  XXXX dollar credit card. I am receiving horrible customer service when contacting the company and they are refusing to give me any information about my two credit cards. They are sabotaging my credit and probably the credit of others. They seem to be a very inproficient, uneducated, and disgusting company. They need to be shut down. 

Thank you kindly, XXXX XXXX.
Product: Credit card

Received an email from XXXX XXXX saying there was an approval for a credit card on XX/XX/year>. I did not make any inquiries for a new card. I called to let them know fraud. I asked where the mailing address was for it and they did not give me that information which was extremely not helpful.