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

I received a call from someone claiming to be from XXXX 's card-I had the XXXX Airlines card through them. I XXXX  the number and it came back as legitimate. I was told there were fraudulent charges on my card. I spent XXXX hours on the phone as they contacted companies disputing the charges while I remained on hold. The agent also asked me numerous personal questions, supposedly for id in case of theft. Also they set up travel alerts. I was also informed the card was cancelled and new one was issued. 

I checked the account the following morning and discovered that the account had not been closed and there was another $ XXXX in charges. I called the company and was told the account wasn't closed but the disputed charges from the night before were cancelled along with added on special travel alerts. I asked why I wasn't notified of the charges and why the account had not been closed. I was informed that as long as they didn't accept the charges it was ok!!!. 

Needless to say the standard with XXXX is once they are aware of false charges the account should be closed. The company was negligent in not notifying me and in not closing the account. I wrote a number of letters of complaint to the company and was ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has occurred twice in the last two years. My wife or I apply for a loan ( XXXX XXXX, XXXX XXXX XXXX  ) and within a few days both of our primary credit cards ( each under our own respective names ) are compromised. Someone in Texas tried to use my wife 's care to make large purchases. I had someone from Califormia try and charge {$10000.00} dollars on my card to a car dealer in South Dakota.

Two separate lending companies with one common issue, they both used one of the three Credit reporting agencies - Experian, XXXX  and XXXX.

One ( if not all ) of these three companies is responsible for compromising my credit cards. There can be no other answer. 

How do I deteremine which of them are responsible and hold them accountable?
Product: Student loan

I went to XXXX college ( now known as XXXX ) in XXXX Washington. That was a mistake, I graduated from there with a XXXX, only I never received a certificate. I called the school multiple times to no avail. They kept giving me the run around, so here I am stuck with a private student loan from the horrible XXXX XXXX. I would get up to five calls a day with threatening voicemails. At that time I was working at a fast food restaurant barely making enough to live on. I eventually started a payment plan and was paying around two hundred dollars ( automatic withdrawl ) a month. Does n't seem like a lot, but it hurt. Since I was issued a new bank card I thought I would call XXXX XXXX and let them know and give them my new information. Well, I called and it sent me directly to a collection agency, so this whole time I was paying a collection agency and not XXXX XXXX. My place of work ended up closing down due to the economy and I was unemployed for over a year and was unable to make any payments. the loan now sits in a collection agency ( it 's been shuffled to a few different ones ) with the interest adding up.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 usc 1681a ( 3 ) ( 1 ) states ; the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information should not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer of from the consumer. 

They have also violated my rights numerous of times. 

The credit reporting agencies violated my rights under 15 usc 1681. 

According to 15 usc 1681a ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

According to 15 usc 1681b ( a ) subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

I never gave any credit reports agency written instructions to furnish items on.
Product: Credit reporting or other personal consumer reports

The Experian boost advertised as helping one by taking bills that are reported monthly to your credit report. I have years with XXXX, XXXX, XXXX and XXXX rental payments yet the account show as not enough payments made for some. To get an update I have to remove my banking information and then reconnect these accounts which cause the score to drop drastically. I then add them back in BUT the score doesnt go back up to the previously reported score. This is an ongoing issue and when reported there is no change. I have had XXXX over 15 years yet the site states not enough payments made. This is odd as this prepaid services and I make payments weekly. XXXX XXXX XXXX over 3 years for mobile and internet yet never updates same for XXXX as well and BOOST over 13 years all bills paid monthly. I included rental history of XXXX payments reported but not reported
Product: Vehicle loan or lease

Vehicle payment is due on the XXXX of each month. Currently only 8 days late as of today XX/XX/2020. Santander Consumer USA keeps leaving messages and threatening to repo vehicle. They called 8 times in one day! Spoke with them today and they tried to bring up personal financial information like SSI/XXXX payments. We told them we are making a payment by tomorrow XX/XX/2020. This is the first time we have been late and we just bought the vehicle summer of this year. This is harassment and predatory lending!
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/year> These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a state tax lien that was paid in full released and withdrawn in  XXXX . I have record from the court stating that  XXXX   County c ourt house nor the state of WI does not report to the credit bureaus nor do they provide information to third parties. I called Experian and  XXXX  on  XX/XX/XXXX  on this issue asking them how they Verified this information on my credit report to be true when the creditor they have to contact being the court/state does not give personal information to them. Both companies then admitted that they go threw a third party service which again is in violation of the fair credit reporting act to report false information, when claiming to get information from a court when it is actually obtained from an Unnamed third party. This is more than enough information to be a considered false information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the pandemic I lost my job and was put on a payment plan for the past few months. They told me that they would not report late payments if it was not 40 days past due. I made all my payments before the XXXX of the month according to my prior payment plans. They assured they do not report late payments. They reported for late payments suddenly on my account when they were marked as current before. This company is known to tamper with credit reporting.I called the company and they said my payment date suddenly changed to the seventh of the month. I asked her about my payment plan she said she no longer sees a payment plan in the system. This company is such a fraud. Ive been paying almost {$500.00} a month for a vehicle that hasnt been on the road for over a year and a half now. I am a single mom of XXXX kids and Im trying to get a mortgage approval and this is the only thing that is stopping me otherwise I had excellent credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccurate information on my consumer report and it is causing me and my family financial and emotional damage. This is my second attempt to remove this alleged debt. The account is showing two different account numbers on my consumer reports. Please delete this alleged debt.
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 ( XXXX ), 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. 

XXXX XXXX XX/XX/year> : XXXX XX/XX/year> :
Product: Credit reporting, credit repair services, or other personal consumer reports

PRIVATE PERSONAL SOCIAL SECURITY ACCOUNT INFORMATION IS BEING/HAS BEEN SOLD/TRADED WITHOUT AUTHORIZATION AND REPORTED FOR PROFIT AS PER INQUIRY TRESPASSING AGAINST THE ESTATE CAUSING COMMERCIAL INJURY UNCONSTITUTIONALLY ENCUMBERING INTERSTATE COMMERCE THROUGH ORGANIZED CRIMINAL ACTIVITY FOR PROFIT. 

SECURITIES COMMODITIES EXCHANGE CIVIL AND CRIMINAL R.I.C.O. 
AT PRESENT IT IS REQUIRED THAT UPON YOUR FAILURE AN INABILITY TO VALIDATE THE FOLLOWING INQUIRIES AND WITH A WRIT OF INQUIRY OR LETTER OF AUTHORIZATION OR LETTER OF ATTORNEY EACH BEARING ORIGINAL WET INK SIGNATURES FROM MYSELF THE EXECUTOR, THE INFORMATION IS TO BE DELETED AND EXPUNGED FROM THE CONSUMER CREDIT REPORT WITHIN TEN ( 10 ) CALENDAR DAYS. NOTICE OF INTENT TO LIEN FOR CONSTITUTIONAL VIOLATIONS AND CRIMINAL RACKETEERING VIOLATIONS AS PER 18 U.S.C. 1962 AND 1963 PURSUANT TO 15 U.S.C 1 & 3 & 13 IGNORANCE OF THE LAW IS NO EXCUSE FROM THE LAW. XXXX XXXX.
Product: Checking or savings account

On one of our three checking accounts with this financial institution, I noticed that the amounts debited from XXXX were 25 % lower than being deposited in our account. For that last 48 days this practice has continued. 
We were never notified by email or phone call that our revenue stream had changed the requirement for banking with Wells Fargo. Instead, they chose to hold 25 % of each and every daily deposit as punishment The paperwork was supplied over 20 days ago. 

We have spoken with no more than 4 different XXXX XXXX XXXX centers to see where the missing XXXX XXXXXXXX funds are and when they will deposited back into our XXXX account. 

We continue to be promised that someone from " XXXX '' within our city will be in touch. We are on our fifth request to speak to someone working in the XXXX  XXXX area and have yet to speak with a certified agent from Wells Fargo. 

I have no delusion that the funds held for 48 days will be returned with interest.
Product: Mortgage

XX/XX/2023 I made two payments over the phone to Rocket Mortgage. I specifically told the woman on the phone that one payment was for XXXX and one was for XXXX. In XX/XX/2023 I get notice that my mortgage has been transferred to XXXX Bank. I call XXXX XXXX  to make sure two payments were received. XXXX told me they received one payment and the other payment was applied to principal. I have made several phone calls to both banks but the problem has not been resolved. The people at both banks tell me the problem will be resolved but that has not happened. On XX/XX/2023 I spoke with XXXX from XXXX and XXXX XXXX from Rocket on a conference call. Both said they would take care of it. I fowarded a copy of my checking account statement to and XXXX XXXX indicating the two payments made XX/XX/2023. XXXX said she was going to open an inquiry into the matter and gave me a XXXX XXXX. XXXX XXXX. XXXX. To date I have not heard from either Rocket or XXXX. 
I made a payment on XX/XX/2023 to XXXX.
Product: Credit reporting or other personal consumer reports

I spoke with XXXX at XXXX about providing original card agreement at account opening.Mark refused to provide the information requested.I requested this information for verification of the Introductory APR % at opening, and for the time that special promotion ended. If XXXX can't provide this information to accurately calculate balance this account should be removed from credit reports. XXXX can't claim accurate information is being reported if this documentation is not available. Without said information there is no absolute way to comfirm the information being reported is factual.It 's a violation of my rights to not provide all documentation related to my account that I have disputed the accuracy of.Furthermore, XXXX violated ( FDCPA ) with comments at closing of the account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Number : XXXX XXXX XXXX ( {$1000.00} ), Acct Number : XXXX XXXX ( {$380.00} ), Acct Number : XXXX XXXX XXXX ( {$110.00} ), Acct Number:XXXX XXXX XXXX XXXX ( {$430.00} ), has violated my rights. 15 U.S.C 1681 section 602a states I have a right to privacy. 15 U.S.C 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below is the account in question : NORDSTM/TD XXXX Balance : {$4900.00}
Product: Credit card or prepaid card

someone stole my identity got into my bank account and attempted to open credit cards in my name
Product: Credit reporting or other personal consumer reports

I received a settlement from Jefferson Capital and I paid the settlement amount. Once I paid they said I would get a welcome packet by email and I never have. I said why do I need a welcome packet since I am paying you off in full per the settlement amount. They have yet to update my credit reports.
Product: Payday loan, title loan, personal loan, or advance loan

I took an initial loan out from Affirm for {$300.00} to purchase a XXXX XXXX from XXXX on XX/XX/year>. I returned that XXXX because it wasn't what my family needed on XX/XX/year>. I then Purchased a XXXX XXXX for {$770.00} on XX/XX/year> using another affirm loan. Upon review, I realized that my initial loan for the XXXX XXXX of {$300.00} was not refunded correctly. I noticed that AFFIRM had applied the refund ( {$300.00} ) to the new and completely separate loan. Just to note, both loans come with their own interest amounts. I had to pay XXXX loans for XXXX item I had in my possession. I called AFFIRM, to have them adjust the initial loan of {$300.00} to be dissolved and add that amount back to the loan of {$770.00}. They said they can not due the merchant dealing with the refunds. I explained to them that, they are correct that the merchant sends them the money, but AFFIRM chooses where the money goes. I have XXXX separate loan numbers and AFFIRM put the money back to the wrong loan. Now I'm paying XXXX loans with XXXX sets on interest when XXXX loan should have been dissolved. This is stealing. I asked the rep if they could atleast take the interest off of the first loan and I would be happy. They said no
Product: Credit card or prepaid card

Synchrony Financial / XXXX XXXX Credit Card Opened XXXX ( Credit Inquiry ) Paid off : XXXX Closed : XXXX ( Negatively hit Credit Report ) I used this store credit card to purchase tires. The vehicle that I had at the time was sold and a new car purchased in XXXX. I have n't needed tires yet, but I will need them in a month or two. I got notification from XXXX XXXX that the account was closed on the XXXX of XXXX. I called Synchrony Financial and asked them why. They said due to inactivity. I have other XXXX accounts XXXX XXXX, etc ) and they have had inactivity on them and they do n't auto close. The representative on the phone said that they can not re-open the account and there was n't anything they could do to help me. I was n't given any notice that the account would close ( not in email or written form ). I do not feel that a financial institution should have the right to negatively affect ones credit without their knowledge. Because I accepted the hit to my credit when I signed up for the card. I however did not accept the hit to my credit when they arbitrarily closed my account without prior knowledge or consent. I do not believe credit card issuing banks should have this right unless it is spelled out in their terms of service or notification to the customer is made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent duplicate letters to Experian requesting for them to provide proof of how they verified a bankruptcy on my credit report. I sent them certfied letters twice and I then reached out to the company by phone to ask why they have not responded and their response was " they don't have to ''. I am reaching out to request help with this issue. experian is reporting a bankruptcy on my credit report and has been refusing to provide information on how they verified this information. This is affecting my ability to move forward in life such as employment and housing. I am providing proof of the letters I have sent as well as the USPS certified receipts. I am humbling asking for help with this issue.
Product: Checking or savings account

My check was supposed to be deposited on XX/XX/year> in checking account and has not been deposited. Capital One has been down for 3 days and failed to notify customer until last night. Then sent a email with lies stated that they would deposit money the next day in the morning and failed on that now states they do not have a time frame on when they will deposit payroll checks.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXX Bank, [ XXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without Delay.
Product: Debt collection

I checked my credit report and I see unauthorized accounts on my report. Listed below are the dates and accounts of these unverified-authorized accounts. 

XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, EQUIFAX XXXX. 

XXXX : XXXX XXXX, XXXX XXXX, Equifax XXXX. 

I was not notified about these accounts being brought by a debt collector, and I requested debt validation from all of the parties involved with no response, therefore this debt should be removed immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, Ink. ) 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 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.