23daVinci/CFPB_Complaints huggingface dataset:
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 Name : XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX and list of Inquiries. 

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 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 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 reporting or other personal consumer reports

Company/date XXXX XXXX XXXX XX/XX/XXXX Company/date - XXXX XXXX XXXX XX/XX/XXXX Company/Date- Courtesy Finance LL XX/XX/XXXX Company/Date- XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These unauthorized inquiries listed above was reported to my credit from your company.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, the Supervisor agreed to remove all late fees ( since my account was on deferment ) with XXXX XXXX XXXXXXXX XXXX XXXX, bringing my balance to {$280.00}. We had made an agreement that after I paid off the balance, it would be removed from my credit report. I paid off the debt bringing the balance to {$0.00} and the supervisor emailed me a letter of proof that the account was paid off and it would be removed from credit as stated. I noticed on my credit report that they reported a late payment on XX/XX/2020, after my balance was paid off days before. I need this New report and prior report ( on XX/XX/2020 ) removed from credit as soon as possible, as its hindering me from purchasing a home.
Product: Debt collection

I received a notification from my credit monitoring service that a debt appeared on my credit report on XX/XX/ from XXXX XXXX XXXX for {$2000.00}. I have never delt with this company or have this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Account Information Dear Sir/Madam, I am writing to dispute an account listed on my credit report that does not belong to me and contains inaccurate information. I request your assistance in rectifying this matter urgently. 

Account Information : Creditor Name : Avant Account Number : XXXX Date of Opening : XX/XX/22 Incorrect Address : XXXX Al XXXX XXXX XXXX, AL XXXX Incorrect Phone Number : XXXX Explanation : 1. Not My Account : I have no knowledge of nor have I ever opened an account with Avant The account in question is not associated with me, and I believe it is a case of mistaken identity or potential identity theft.

2. Incorrect Address and Phone Number : The address and phone number associated with the account are not mine. This further indicates that the account does not belong to me.

3. Request for Deletion : I urgently request the Consumer Financial Protection Bureau to remove this inaccurate account from my credit report. It is essential to rectify this discrepancy as it may adversely affect my creditworthiness and financial well-being.

4. Supporting Documents : I have enclosed the following supporting documents with this dispute : - Copy of my identification proving the incorrect address and phone number. 
- A statement affirming that I have never had any financial dealings with Avant. 

Please conduct a thorough investigation into this matter and take appropriate action to delete the erroneous account from my credit report. I understand that the investigation may take time, but I kindly request that you keep me informed of any progress or updates. 

Thank you for your prompt attention to this matter. Your assistance in resolving this dispute is greatly appreciated. Should you require any further information or documentation, please do not hesitate to contact me at the provided contact information. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX   XXXX     2017, I    made a settlement offer against my timeshare. Here is the email receipt that I received after the payment was made.     " This letter will confirm that  Pinnacle Recovery , Inc.  and  XXXX   XXXX   ,   XXXX .-   XXXX   XXXX   have accepted a payment of {$1600.00} on your outstanding balance of {$8900.00} on your contract # XXXX on  XXXX  -17. T his obligation will be considered a full compromised settlement to terminate all rights and interests in the contract originally signed.     You are not responsible for the additional contract balance or any outstanding fees regarding your maintenance fees '' Today,   XXXX   XXXX   , 2017,  I received a letter dated  X/XX/  2017 t hat stated I owed {$8700.00 } ( with  new late fees and collections costs assessed.     When I called the collection agency, I attempted to ask multiple times why this debt was not cleared. I could not even finish one sentence or question. The phone rep would not give me a straight answer. I was able to glean that there is a " Note '' on my account that it was paid directly to the collection agency, but no record that they have received anything back from the actual timeshare company. In her contradictory information, it appears they (  Pinnacle )  did not notify the timeshare company, even though I received this information above, that the account was paid. I would like the collection agency to take this payment and resolve immediately with the timeshare company as this was considered paid in full. Otherwise, it appears to me that this is simply grand larceny by the collection agency.
Product: Credit reporting or other personal consumer reports

Dear APPLE CARD - GS BANK USA, I hope this letter finds you well. I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S. Code 6802. As such, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or nonverbal, that I, the consumer, may have previously provided to your agency. 
It is my right as a consumer, protected under federal law, to opt out of authorizations regarding the reporting or disclosure of my information to any third parties. I am requesting immediate action to ensure that any previously provided authorizations are revoked and no longer considered valid for reporting or disclosing my information. 
This request includes, but is not limited to, any previous authorizations given for the reporting of personal, financial, or credit-related information to any entities or third parties. 
I expect your agency to promptly update its records to reflect my decision to opt out of these authorizations in accordance with the FCRA and federal consumer protection laws. 
Please confirm in writing that my request has been received and actioned accordingly. I understand that federal law allows for a reasonable period to process and implement these changes. 
Your cooperation and timely response to this request are greatly appreciated. If any further information or clarification is required, please do not hesitate to contact me at XXXX or via email at XXXX Thank you for your attention to this matter. 
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 To remedy the situation
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is terrible. Besides having a security breach which resulted in millions of files being released and a class action lawsuit, and having lawsuits against them from the government for deceptive practices, they have the XXXX customer service. XXXX XXXX XXXX XXXX and we discovered that XXXX of his bank accounts which we didn't know about was being cleared out by crooks. We resolved that issue and got the money back. The bank suggested we run a credit report on him to discover any other unknown accounts. I did exactly as the XXXX credit unions require, supplying a death certificate and XXXXXXXX XXXX XXXX proof of me being executor. I received a credit report from XXXX, am awaiting XXXX from XXXX and have just spent the last XXXXXXXX XXXX on the phone with TransUnion who had written me on XX/XX/2022 that I did not provide the documents. ( XXXX ) XXXX time I called, I went through the whole computer verification process only to be told the offices are closed. Okay, why not start with that before spending XXXX XXXX going through verification. ( XXXX ) Called back the XXXX XXXX the representative did find the documents on the system and said she was transferring me to the proper department and then hung up on me. ( XXXX ) Called back again and XXXX representative started off by saying the department is closed. I asked their XXXX and after clicking through a bunch of screens she said until XXXX XXXX. I pointed out that it was only XXXX XXXX at that time. So she changed the story and said they close at XXXX XXXX. Called back XXXX agent says the department is open until XXXXXXXX XXXX XXXXXXXX and transfers me. The guy there says they can't see the seal from the XXXXXXXX XXXX XXXX on the copy I sent. Huh, it's embossed and doesn't come out on a copy. There were no requirements about seeing the seal and apparently the letters were sufficient for their competitors. I'm not about to send them an original. He transferred me to another department, I was on hold with music for XXXX XXXX and now the music has stopped and XXXX XXXX later the call hung up. I'm convinced they send people to a dead line and eventually people hang up. This company should be put out of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first savings credit card balance is being improperly reported on all XXXX bureaus. My report shows a balance owed of {$470.00} but my actual XXXX is {$4.00} see attached doc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXX I sent a letter disputing hard inquires that I did not recognize nor authorize. 
XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXt XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

On XX/XX/XXXX XXXX I have received a text from Chase saying that " We declined {$54.00} with card ending XXXX at XXXX XXXX asking if its me. I have replied " No '' Chase Fraud dept wrote " we will close your account and send you a new card '' On Monday which is the XXXX of XXXX I have noticed there are XXXX other transactions are fraud. So I called them Chase Fraud Dept saying that no worries we will remove these XXXX transactions. Chase asked me if my card still present and its with me. I have told them that YES, I still have the card and its not lost or anything. Then Chase said these XXXX transactions are done in person with the chip or tap. I told Chase that was not me, I did not buy or shop from these places. A day later I checked my online statement and these XXXX transactions were removed. 

XXXX transactions : First is on XX/XX/year> at XXXX XXXX XXXX {$910.00} Second is on XX/XX/year> at XXXX store # XXXX {$1400.00} On XX/XX/XXXX as I logged on my online statement. I see those XXXX transaction backed into my account. Right the way I called Chase. Chase saying since the purchases are done in person charges are reversed. I have told them I did not make these purchases, they want me to call merchants. I do not know how my credit card got cloned/duplicated, if it got cloned or duplicated still not my responsibility. Chase might need a better security to protect their customers. And I do not even know any information about this XXXX XXXX XXXX so as Chase ( When I ask about this merchant ) I have also told Chase ; How is my responsibility if merchants do not check buyer 's ID. If merchants check buyer 's ID this will not happened. Now Chase is re-openning this claim. 

I hope Chase will remove these XXXX transactions both of them added up to {$2300.00} that's alot of money which I am not the person who did it. Consumer finance if you guys can help me in any ways please do. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my reports online. XXXX and XXXX. Are reporting XXXX XXXX XXXX account. Which has opening dates inconsistent. On All three Credit Reporting Agencies Reports. This account is Speedy Cash. Which was sent to XXXX XXXX XXXX XXXX. For collections from Speedy Cash. This account shows on All three of my Credit reports. Okay its inconsistent information. Which means this account should be removed.
Product: Checking or savings account

An unauthorized transfer was sent on XXXX XXXX, 2024 in the amount of {$2800.00}. Called to report it and came to find out the case was never filed. Had to open another case on XXXX XXXX, 2024. Was told within XXXX  business day a credit would be applied. Credit hasnt been applied and no access to funds.
Product: Debt collection

I work during the day of which is when General Service Bureau calls sometimes they leave an automated message on my cell phone other times they do not. The one time I answered I asked that they not call before XXXX XXXX. because I am working. They then turned around and called my work number and I informed them not to call me at work that I could not accept calls like this at work. Today XX/XX/18 they called my cell phone at XXXX of which I can not answer while I am at work. They then turned around and called my work phone of which I did answer. When I said " This is Doe '' they hung up. This is not acceptable. I have tried calling them back but I do not get any kind of an answer. I don't leave messages since I work and they can't call so I keep trying to find out why they are calling.
Product: Mortgage

This is based in Arizona XXXX XXXX XXXX via XXXX XXXX is in NJ stated that they need me to sign documents to help with credit score which signed electronically before the site started changing and asking what country am I which no lender would ask the number I called but when then they other document that request my Bank Statements, W2, Drivers License, Name of My Last Employers, IRS Statements , My Social Security basically everything they need to become me and buy an open line of credit or sell my information on the black web. I was then told that I would be speaking to XXXX via XXXX AZ rep which felt like a bit and switch. He did not inform that he would be send a request for all my information by just got back to back emails I have been a victim of fraud and ID theft before which told him so I did not send anything. I credit score drop with their inquiries and attempt they have an office based in XXXX he should have directed me to their rep They gain my signature under fraudulent means This Compnay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Bank account or service

Wells Fargo strongly suggested that I open a business credit card account in order to maintain some features I had. I never requested they connect it to my consumer checking/savings. Why would you do that since the IRS frowns ( rightly so ) on co-mingling funds. Historically I kept enough of a balance in my saving in order to cover any overdrafts from checking. This happened and Wells Fargo covered the overdraft from the business card-a set up I never requested. It should have been easy to fix. Remove the charge from the credit card. Make a transfer from savings to checking to cover the amount. Why link a business card to a consumer account? For years I covered any overdrafts from savings. 
The txt files attached are text sent by WF secure email. I can only copy text before sending.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed a lot of unauthorized unverted inquires on my report. Some of the inquires are there more than once, I reached out to the companies that put the inquiries in and they told me to contact the three major credit bureaus. Ive done that and still have been getting the run around, this has been hindering me for s long time. The XXXX Department Of Education should not be reporting in my credit under 15 u.s code 168 1 ( 5 ). This account is in violation and is not reporting 100 % accurate, it list that The Department Of Education is the furnisher. Thats foregory and misleading. When the schools dont report this type of accounts. XXXX XXXX XXXX  should not be listed on my credit on report as well, Ive never did any business with that company nor did I authorize those accounts.
Product: Credit reporting or other personal consumer reports

I am writing to report a serious issue concerning Early Warning Services ( EWS ) as reflected in their reporting of my financial records. I have discovered an entry on my EWS report indicating a suspicious account or transaction that I did not authorize and do not recognize. This entry suggests that there might be fraudulent activity associated with my personal financial information. 

Upon discovering this entry, I promptly contacted EWS to dispute the record and requested detailed information about the account and any associated transactions. However, my request has not been satisfactorily addressed, and the questionable entry remains on my report. The lack of resolution and the persistence of this unverified information have caused me considerable distress and potential harm, including but not limited to financial scrutiny and limitations on my banking activities.
Product: Credit reporting

Current Creditor on my file has been denied access to my file due to my Credit Freeze. according to Federal Law any current creditor is allowed access without consumer having to Thaw credit. I called equfax. Employee XXXX in XXXX stated I must first purchase a product before he will Tell me why current creditor was denied. I explained my rights and asked to speak to supervisor. Was only hold 17 min before I hung up. All return calls were answered in XXXX again.
Product: Checking or savings account

I did attempt to open a checking account with M & T bank. But I later cancelled it due to its terms. However, months later, I received scam text messages from XXXX with the following request : " [ M & T_XXXX ]. Your XXXX XXXX  is currently overdraft - {$190.00}. To review and cancel debit request, visit XXXX XXXX XXXX immediately. '' I did not respond to the request for payment. I did not access the scam link.
Product: Checking or savings account

On XX/XX/XXXX, I completed online application on Simple.com to open an account. The website requested that I submit my social security card for verifying my identify. So far, I've completed this step of sending multiple images of my social security card to Simple and they have yet to open my account. The representative that I spoke with on XX/XX/XXXX told me that a real person had viewed my documents to verify my identity, but they couldn't use the document because all four corners of the social security card wasn't visible in the image. I was told that regardless if the social security number, name and signature was seen on the card, the image wouldn't be used and wouldn't be accepted as proof and I would have to keep repeating this process. So far, this account isn't opened, I submitted the documentation that asked for, yet they refused to use it to open the account.
Product: Prepaid card

I got an Amex gift card from my work around XX/XX/XXXX. I tried to use the card on XXXX that week ( around XX/XX/XXXX ) and I was not able to upload it to my account because there was no zip code associated. I looked on the website the same day and it said to put my own zip code, which I did, but that did not work. I also tried the company 's zip code, which did not work. I took the card to XXXX on XX/XX/XXXX and the cashier said they could not process transactions with it. I tried to get more information from the Amex website but it would only let me check the balance. I tried to use the card at XXXX online around XX/XX/XXXX and Amex rejected the transaction twice. I called Amex today, XX/XX/XXXX and I only could reach an automated line. Eventually, after going through the phone tree for some time, it told me that I had to try using the card in different places ( online and in person ). I have already tried multiple places! I then tried uploading the card to my XXXX XXXX, and it uploaded, but I was unable to use XXXX XXXX with that card. Amex claims you are able to use the gift card anywhere that accepts an Amex credit card. This is obviously false.
Product: Credit reporting

Experian, XXXX, and XXXX keeps adding repeated and or information that is not mine to my credit reports.
Product: Credit card or prepaid card

On XX/XX/XXXX of XXXX, I received an email from Paypal saying " We are sending you a card that can earn cash back for your business. '' The email included information about how to opt-out, but I never applied for the card in the first place ( and was on vacation at the time ). Without ever reaching me, and with no application or interest from me, the card was opened and mailed out to an address where I no longer live. My family says that the card arrived recently, but I'm not sure about the date ( probably within a week of today ). 

This isn't just a security concern. I'm concerned about my credit score, and about controlling my personal finances. I contacted PayPal today ( XX/XX/XXXX ) via phone to remedy the situation and close the account. I gave up after speaking with 4 representatives and spending over an hour on the phone. Representatives say anything from that the card doesn't exist ( under any city that I've ever lived in, my email, or my phone number ) to that it was my responsibility to opt-out if I didn't want the card ( a manager ). Each department refers me to another, and in the end, I still have an unwanted account that I can not get them to close. 

When researching this issue, I saw that PayPal was sued for {$25.00} XXXX in XXXX for similar violations, so it is concerning to me that they are still behaving in such a manner.
Product: Mortgage

Insurance company withdrew insurance citing incorrect address. I notified my mortgage company Flagstar mortgage notified me they would process my insurance coverage for proper coverage. After filing a claim due to flood in state of Texas I have not received a call or inspection notice for an adjuster to inspect property damage and evaluate status. No declaration page nor insurance information has been provided with exception of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company has done unjustifiable practices of the FDCPA which prohibits such acts. They inherited this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not have a part in any of this. The company didn't follow the proper 5-step validation procedure.

According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.