23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am disputing incorrect information being reported on my credit report by XXXX XXXX regarding a credit card account that I previously held. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXWhat happened : XXXX I had a credit card with XXXX XXXXXXXX, and I have never missed a payment on this account. Despite this, my credit report incorrectly shows a balance of {$960.00} listed as a charge-off. I have contacted XXXX XXXX multiple times to request that they update my credit report to reflect " paid as agreed and never late. '' However, I keep getting the runaround, with representatives promising to make the updates, but no action has been taken. 

XXXXAction Requested XXXX XXXX  I am requesting that XXXX XXXX update my account to accurately reflect that the account was paid as agreed, with no late payments or charge-offs, and remove the negative and false information currently being reported.
Product: Checking or savings account

I opened a checking account with M & T Bank online on XX/XX/2019. One of the main reasons that I opened this account is because I received a targeted advertisement on the M & T website about a new checking account promotional offer in which the bank would give me a {$150.00} cash bonus after meeting certain requirements. I read through the requirements of the offer and the terms and conditions and decided to open this checking account based on what I read about the offer. I completed the requirements to receive this promotional offer, which included having a minimum {$500.00} direct deposit, which posted to my account on XX/XX/2019. The terms stated that I would receive the bonus within 90 days after the direct deposit posted. I initially reached out to M & T Bank on XX/XX/XXXX because I hadn't seen the bonus post yet. I was told at that time by a customer service representative that, while I did have the promotion linked to my account, the bonus was not eligible in my geographical area, even though I received the advertisement online and there were ZERO geographic restrictions presented in the terms of the promotion, which I thoroughly read through when I opened the account. I responded to M & T with this information and they then said that I should see the bonus post within 90 days after my direct deposit. I waited 90 days and reached out to M & T again on XX/XX/XXXX when the cash bonus still hadn't been applied to my account. I was again told that I'm not eligible for this offer because of my location, but, again, there were no location restrictions in the terms and conditions of this offer.
Product: Student loan

I too k 6 h ours  of   XXXX    classes   XXXX    2014 and s hould have qualified for a deferment. My school participated in the clearinghouse and does not provide proof of attendance as this is supposed to be reported to the servicer electronically. Rather than giving me the benefit of the deferment, the loan servicer offered a modification and included capitalized interest and fees that would not have been due had the deferment been granted as required. As a result, these things were added to the total balance, and my credit report was negatively impacted.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my Experian credit report. On XX/XX/XXXX, I contacted Experian regarding the following discrepancies, and as of today 's date, I have not received any response from them. I am providing the details of the inaccurate information and requesting the necessary corrections : The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Incorrect Balance : {$5400.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Incorrect Balance : {$5100.00} Please correct/update this inaccurate information on my credit report. 

The following account does not belong to me : Creditor : XXXX Date Opened : XX/XX/XXXX Incorrect Balance : {$520.00} Please remove it from my credit report. 

The following account does not belong to me : Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Incorrect Balance : {$3700.00} Please remove it from my credit report. 

The following account does not belong to me : Creditor : XXXX Date Opened : XX/XX/XXXX Incorrect Balance : {$5500.00} Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to determine what the charge is for ... I don't remember having accounts with these companies..I contacted XXXX, but until now I did not receive a response..CFPB please take care of this concern and have the accounts removed from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX  XXXX
Product: Credit card

I always make timely payments on this account and never let them become overdue. I'm not sure why there are reports of late payments on my account. Under 15 USC 1666b, billing errors should be corrected.
Product: Credit card

I was the victim of an identity theft. This occurred XX/XX/XXXX when an unknown individual opened XXXX accounts using my name and social security number with a Texas address of another individual with my last name. I became aware of this XX/XX/XXXX when I received a collection letter from XXXX XXXX representing collections on an account from XXXX XXXX XXXX XXXX. Upon review of my credit report I noticed another fraudulent account that was in arrears on my report that I had no previous knowledge of from TD Bank XXXX. I set up an account thru XXXX, filed a police report, sent all the appropriate letters to XXXX XXXX, XXXX XXXX XXXX XXXX, TD BANK USA/TARGET, XXXX, XXXX and XXXX. XXXX XXXX XXXX XXXX responded right away and removed the fraudulent information from my credit files. Transunion and Experian removed all of the fraudulent information from their credit files. Equifax refuses to remove the information from my file from TD Bank USA/Target until they hear from them directly that it is fraud. I have sent XXXX letters with all the appropriate attachments to TD Bank USA/Target dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. To date I have had zero response. I have also tried to contact TD Bank USA/Target by phone but repeatedly get the run around ( they have no info on me or that account etc ).
Product: Credit card or prepaid card

I, XXXX XXXX had applied for an XXXX crdit card. Happened that after a few months paying My account on time, I discovered that this financial institucin, Synchrony Bank enrolled me IN a " Credit Card Insurance Fee '' which I did not Requested or authorized. I contacted the bank and they told me the can't do anything. It is SCAM. I request You intervention to fix this annoying and unpleasant situation and this bank and or Insurance company make me a full REFUND of all the ilegal charges done on My account. Thanks XXXX XXXX XXXX Ph. XXXX Last XXXX S.S- XXXX
Product: Debt collection

I have contacted SW Credit Systems several times about the account being reported on my credit report. I paid the account off with XXXX XXXX XXXX and XXXX XXXX XXXX stated the collection would be removed from my credit report. To this date, the account has not been removed from my XXXX or XXXX credit reports.
Product: Checking or savings account

My account had a levy for a forgotten about ticket from years ago. On XX/XX/XXXX. Upon finding out about this levy the same day I immediately contactedTCF BANK for guidance and to either lock my account or close the account while the levy was in place. I u Der stood the levy could not be removed but the small window of time needed to cancel and move funds around madenitnkmpossible to stop everything from coming in. They were unable to offer an assistance or advice to assist me with the least impact of outstanding auto payments. They suggested opting into overdraft and other suggestions. But could not confirm if it would be effective. I can understand if they paid the actual items but they didnt and To date they have charged me XXXX dollars in overdraft fees and returned everything unpaid. How is anyone supposed to take care of this? They keep piling the fees on top of fees. The companies that were returned were kind and helpful to a long time customer and all removed the fees and helped schedule new payments. TCF offered no just assistance. So the negatives kept compounding sinking it further and further into negative.
Product: Checking or savings account

I initially began banking with the aforementioned sometime last year. I liked the ease because it's " digital '' but " digital '' does not mean Good nor Logical. 
There was a fraudulent charge on my card. When it was reported, the agent actually chose to put a stop payment on for the charge, instead of notating in my file that the charge was reported as fraud. 

Nonetheless, I ordered a new card on a Thursday and it didn't ship until that following Monday. I was told that Friday was the weekend and NOT a business day. I also asked why wasn't I given the option to have it rushed or expedited, but somehow it's impossible? Also, no tracking number, so I don't know when my card will arrive, what shipper will be dropping it off and I'm sure I won't have to sign for it. A debit card at that. My hard earned money is simply slipped into a plain envelope and MAILED to me. While the business acts as if they have no RESPONSIBILITY. Also, being that SoFi is a DIGITAL bank, one would think they would have more options other than a MOBILE WALLET. Why is there no virtual or temporary card options? I'll be closing my account by the end of this month & moving my money into a XXXX, XXXXXXXX XXXX XXXXXXXX XXXX in my area. Sofi ... Do Better
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reading and reviewing all 3 of my national credit reports, XXXX, XXXX and XXXX XXXX I had discovered there is a trade line from a company located in California called, " Westlake Financial Services ''. They have been reporting this fraudulent, derogatory and negative trade line since XX/XX/2015 and it is showing on my credit reports as a repossession. 

I never had any car loans or car leases with this Westlake Financial Services company and I never co-signed for anyone for a car loan or car lease. Since this fraudulent, derogatory and negative trade line from Westlake Financial Services has been on all 3 of my national credit reports, XXXX, XXXX and XXXX XXXX I have been unable to obtain any car loans or car leases and it has damaged my credit reports, credit history and my credit scores. Westlake Financial Services is reporting to all 3 of the national credit agencies XXXX, XXXX and XXXX XXXX that I owe them a balance of {$7800.00} ( XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents ) and I do not owe them anything because I never had any car loans or car leases with them ever. 

I have called this Westlake Financial Services company in California multiple times on the telephone and when I explained the situation to one of the customer service agents I spoke with, they indicated that this fraudulent, derogatory and negative trade line would be deleted and removed from all 3 of my credit reports, XXXX, XXXX and XXXX XXXX. 

After running all 3 of my credit reports again the same fraudulent, derogatory and negative trade line from Westlake Financial Services in California is still appearing on all 3 of my national credit reports ...!
Product: Mortgage

Hello - My mortgage is financed through  PRMG ( Paramount Residential Mortgage Group ) . In early  XXXX  I received a letter stating that my loan was moved to a new service provider and that I would be receiving a new loan #. The letter went on to state that all payments beginning with the  XXXX / XXXX /  XXXX   statement should go to the new address using the new loan #, but that payments sent to the old address/using the old loan # would be honored for 60 days. I never received a letter with a new loan # so I sent the  XXXX  payment to the new address using the old loan # . PRMG cla ims they did not receive the  XXXX  payment and refuse to discuss this with my bank. Additionally, they did not mail the new loan #  s  until  XXXX / XXXX /  XXXX  . As of  XXXX / XXXX /  XXXX  , I still have not received my new loan #.
Product: Debt collection

This collection company which I have " NO Contract '' with is in violation of the FCRA. XXXX XXXX XXXX , XXXX have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists. 
If you can not provide any agreement between us from this day XX/XX/XXXX  forward, you agree to pay my fee of XXXX usd for contacting me without my written consent. I will also file harassment and identity theft charges. 
Please delete this account immediately from all three credit reporting agencies.
Product: Credit reporting or other personal consumer reports

These are the companies and inquiries that I do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANK XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FCRA THIS CREDITOR CHILD SUPPORT ENF AG/N XXXX HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE
Product: Money transfer, virtual currency, or money service

Iam filling a complaint against cash app ( Block Inc ) due to indequant customer service and unfair practices, which violate the customer financial protection act ( CFPA ). specifically, Cash app failed to take timely and effective measures to prevent and address Fruad 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 Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

The XXXX XXXX Kraken which goes under the legal name Payward , Inc suspended access to my account on XX/XX/2022 citing a " Critical Security Incident '' that needed my verification. I worked with their customer service and followed the required steps to get my account unlocked after about a week. However once I was able to gain access to my account, the funds remain to be frozen and I can not transfer the funds out of the account. Despite multiple attempts to contact the company as well as being in direct communication with XXXX XXXX ( XXXX ), Payward 's Senior Counsel, the company still refuses to acknowledge why they are holding my funds, when they plan to release them or any other information. At some point Kraken mentioned that they are investigating my account to see if I violated their terms of service. As per their terms of service the funds are owned by me and can be withdrawn by me at any time with notice. I would be more than happy to close my account and withdraw my funds as per their terms of service. Kraken is withholding the following amounts : a. XXXX United States Dollars ( USD ) b. XXXX Bitcoin ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX Ethereum  ( XXXX  ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  ( XXXX  ) i. XXXX EthereumPoW ( XXXX  ) j. XXXX XXXX ( XXXX  )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Re : Dispute of Inaccurate Credit Reporting and Collection Information Dear Sir/Madam , I am writing to formally dispute inaccuracies on my credit report under the provisions of the Fair Credit Billing Act ( 15 U.S.C. 1666b ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ). 

1. Dispute of Credit Reporting Under 15 U.S.C. 1666b ( Billing Errors ) I have reviewed my recent credit report and identified an error in the reporting of a billing issue related to an account [ Account Number ]. Specifically, the report inaccurately reflects a charge, payment, or balance that does not align with the actual transactions on my account. As per the Fair Credit Billing Act, I am entitled to dispute any billing errors, and I request that you investigate and correct this issue within the time frames stipulated by the law. 

2. Dispute of Collection Information Under 15 U.S.C. 1681e ( b ) ( Accuracy of Reported Information ) Additionally, I believe that the information being reported to the credit bureaus concerning an alleged debt under collection ( Account Number : [ Account Number ] ) is inaccurate or incomplete. As outlined in the Fair Credit Reporting Act, creditors and collection agencies are required to ensure that the information provided to consumer reporting agencies is accurate and complete. I request that you investigate and verify the validity of this debt, and that you provide me with documentation proving its accuracy, including the date of the alleged debt, the amount owed, and the details of the original creditor. 

As both 15 U.S.C. 1666b and 15 U.S.C. 1681e ( b ) stipulate, I am entitled to have any disputed information properly investigated and corrected within a reasonable period. I request that you take the necessary actions to correct the inaccuracies on my credit report, and that you notify the credit reporting agencies of any changes. 

Please provide written confirmation of the actions taken to resolve these issues and furnish me with updated copies of my credit report reflecting these corrections. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I received a call from an agent with Students Come First stating that if I made 6 payments of {$180.00}, then another year of {$64.00} payments that {$14000.00} of my loan would be forgiven. I looked up the information and the company seemed legitimate had a website as well as reviews. I noticed that my loans have not gone down with each payment I was making and I reached out to the company with no response. i called and there is no answer. I get sent to a voicemail for XXXX and no response. Until I received an email in XXXX that was titled to Client ID- XXXX, advising me that they are changing the company they use to process my payments to XXXX  XXXX XXXX XXXX I have noticed that sometimes the payment would come out as an XXXX  withdrawal to Students CF, and others as a check made out to XXXX XXXX XXXX. 
I received a letter in the mail from the Department of Education letting me know that my loan service provider has changed to XXXX. I contacted them today and they advised that there is no loan forgiveness on my account and that the Dept. of ED could only offer student loan forgiveness which is usually after 10 years of payments or if I was 100 % from XXXX, I am only 10 %. I realized that I was a victim to a scam. I searched for ways to report the fraud and this was one outlet. My financial institution, said it's buyer beware and I am at a loss of the money that was taken from me and that I could pay stop payment fees or close my account. What do I do? This company has all of my information. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and unauthorized inquiries appearing on my credit report. As a victim of a data breach, I did not authorize these accounts or inquiries. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal.

Fraudulent Accounts to Be Blocked and Deleted 1. XXXX o Account Number : XXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} 2. XXXX o Account Number : XXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} 3. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2300.00} 4. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$690.00} 5. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} 6. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} 7. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} 8. UPSTART NETW o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} 9. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$950.00} Unauthorized Inquiries to Be Blocked and Deleted 1. XXXX XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX  ( Date : XX/XX/XXXX ) 3. XXXX XXXX ( Date : XX/XX/XXXX )
Product: Debt collection

I've been getting multiple calls from different numbers. The company calling is portfolio recovery. They call my cell and my house. I used to get letters but i haven't received any lately. The debts they're attempting to collect on are over 10 yrs old. I'd like this harassment to stop.
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 15USC1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681C ( A ) ( 5 ) 15 USC 1681s-2 ( a ) ( 1 )
Product: Credit reporting or other personal consumer reports

Please check the information concerning the Equifax data breach below in attachment.
Product: Credit card

Capital One issued me a credit card after receiving my consumer credit application. The application represents a note that is used for profits by Capital One. Capital One claimed to have charged the account off due to non payment but failed to pay me for my investment into their establishment. Investors are entitled to the compensation for their investment into these public traded comp. Capital One keeps responding that someone will reach out to me pertaining to my claims but no one has responded nor called back and the number that they ask me to call is a medical number for some type of insurance. This is my final attempt to get compensation for my security that Capital One is making money off of since they closed my consumer credit line. If you do not understand securities laws I urge you to consult your legal department you have XXXX days from the date of this complaint to forward my compensation from the monthly trading of this account.