23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

A banking company N26 Close my account after calling customer support to get the statements I need sent to me I was told Im not able to get them because I dont know the creation date of the account Verified all other information and asked to speak with somebody higher than them a lady name XXXX or XXXX who answered the phone. She denied me speaking to somebody higher regarding the account
Product: Credit card or prepaid card

I '' ve been paying almost 2 years on account that keeps getting higher and higher with interest and hidden fees each month. Each month I owe more money to them {$1600.00} in interest and hidden fees. My account maxed at {$4400.00} and now its {$6000.00} with interest fees and hidden charges and I haven't used the card in almost 2 years. I was being {$92.00} for security on the card and didn't know until I called complaining about interest charges. The billing rep broke it down I owe more money each month I pay with hidden fees, varying interest rate, and late charges that are applied at random. The only help offered was call XXXX number to have {$92.00} fee removed from bill.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX SSN : XXXX Date Of Birth : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX  XXXX XXXX , PA XXXX Greetings, My name is XXXX XXXX XXXX.THIS IS NOT A REGULAR DISPUTE, I am a victim of identity theft and did not open these accounts. More specifically, my social security number was compromised and used to open these fraudulent accounts. These accounts are now being furnished onto my credit report without permissible purpose, consent, or my knowledge FOR THE THIRD TIME. 15 USC 1681c-2- ( a ) which states, " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt ''. I appreciate your due diligence and assistance in remedying this situation in advance. Please NOTE : This account was previously reported as identity theft and blocked from my credit report. No other credit reporting agency is reporting this fraudulent information this is inaccurate and is in direct violation OF MY CONSUMER RIGHTS! This time, I am fully prepared to move forward with litigation, FOR WILLFUL NON- COMPLIANCE. The next letter will be a request for payment of invoice. Block the reporting of the following fraudulent accounts within 4 days, as outlined in the Fair Credit Reporting Act to avoid immediate litigation : XXXX ( Original Creditor:XXXX XXXX  ) Account Number : XXXX Opened : XX/XX/XXXX Balance : {$420.00} I did not open or authorize the opening of the following account. BLOCK immediately from my credit report. 

This fraudulent account has brought me undue hardships. I have also notified the Federal Trade Commission and the CFPB of this identity theft. I have provided the CFPB report as well as my identity theft affidavit with this letter that will be sent via certified mail for tracking purposes. Please note I DO NOT WISH to have any SECURITY FREEZES added to my credit report. However, I am aware of my right to do so. I appreciate your due- diligence in rectifying this matter. 

With Kind Regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX SSN : XXXX Date Of Birth : XX/XX/XXXX Enclosed with this letter : FTC Affidavit Identification Social Security Card Utility Bill Please note, I stated, I DO NOT WISH TO PLACE ANY FRAUD ALERTS ON MY CREDIT REPORT
Product: Checking or savings account

Disputes with cash app multiple times with things being taken from my account and me not being able to get ahold of any one
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated and DELETED. LET 'S READ ABOUT A REAL INVESTIGATION. ( FACT ) Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation. 1681 ( a ) ( e ) ( e ) 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. YOU HAVEN'T CONTACTED ANY OF MY NEIGHBORS WHICH I HAVE THEIR STATEMENT FOR PROOF IN COURT. In addition,, you allowed the furnishers to break the FCRA law under Section 623 ( a ) which states prohibits furnishers from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.14 The statute defines reasonable cause to believe that the information is inaccurate to mean specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. Please investigate these items and DELETE. 

XXXXXXXX XXXX XXXX XXXX XXXX  Account # : XXXX Check the Account Status, Date Opened, No. of Months ( terms ), Date Last Reported, Date Last Active, and Date of Last Payment for accuracy. 

XXXX. XXXX XXXX XXXX XXXX  # : XXXX Check the Account Status, Date Opened, No. of Months ( terms ), Date Last Reported, Date Last Active, and Date of Last Payment for accuracy. 

XXXX. XXXXXXXX XXXX  Account # : XXXX Check the Account Status, Date Opened, No. of Months ( terms ), Date Last Reported, Date Last Active, and Date of Last Payment for accuracy. 

XXXX. XXXXXXXX XXXX  # : XXXX Check the Account Status, Date Opened, No. of Months ( terms ), Date Last Reported, Date Last Active, and Date of Last Payment for accuracy. 

XXXX. XXXX XXXX XXXX XXXX Account # : XXXX Check the Account Status, Date Opened, No. of Months ( terms ), Date Last Reported, Date Last Active, and Date of Last Payment for accuracy. 

XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX Check the Account Status, Date Opened, No. of Months ( terms ), Date Last Reported, Date Last Active, and Date of Last Payment for accuracy. 

XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX Check the Account Status, Date Opened, No. of Months ( terms ), Date Last Reported, Date Last Active, and Date of Last Payment for accuracy.
Product: Credit reporting or other personal consumer reports

I am very upset that Experian continues to not fix the issues with my login and I am unable to access my credit reports and files. Experian has not contacted about the matter and it is over the time limit for this matter. I will seek litigation if the matter continues. I have exhausted all means to fix the issue regarding my reports and files. I retain all rights per FCRA and Title United States Codes to access my credit reports and files.
Product: Mortgage

I got a mortgage with Green Tree 20 years ago and the amount I owe today is the same. The new name is Ditech.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint to BEST EGG regarding unauthorized inquiries reflected in my credit report. Upon reviewing my credit file, I noticed that several companies have accessed my credit report without my permission. These inquiries were made without my knowledge or consent, and I did not authorize any of these companies to review my credit history. As a result, I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, specifically the provision that requires a company to have a permissible purpose before accessing my credit information. I respectfully request an immediate investigation into these unauthorized inquiries and that the BEST EGG will remove them from my report. I am also requesting that the companies responsible for these unauthorized inquiries provide documentation showing that they had the required consent or permissible purpose to access my credit file. I trust that your agency will take the necessary steps to address this violation and ensure my credit report is corrected in accordance with the FCRA.
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 proce 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, 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, 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: Checking or savings account

I deposited a check that was endorsed to two parties, and was told I needed verification of the funds. Once verification was received my account was still closed and I was told my accounts remaining balance would be mailed to me. One check for the balance and another for the held funds of {$24000.00}. I was informed it would take 7 business days from XX/XX/2019. I received the funds two weeks later for an amount of XXXX, but I never received my check for XXXX. I have called once more to inquire and was told they could not see that account or any notes on my accounts closure what so ever. It was as if I never had this problem. I have the receipt of my deposit as well. I just want my money, I have been back and forth with the bank the entire month until they finally decided to do called mail everything and I have yet to receive the funds. It is causing financial hardship as I need the money to pay off a loan to lower my monthly DTI and buy my home. This has been a financial hardship on my not only losing my account but that amount of money to be held is absolutely ludicrous.
Product: Bank account or service

Citibank Mortgage Services used a wrong address to order a credit report for my pre-approval application and sent the loan-related documents to the wrong address. I myself of course did not get the package. There is a high chance that the package is now in the hand of a bar/restaurant because I was asked to provide " a signed and dated letter of explanation indicating why your current address would be indicated as a Bar/Restaurant/Nightclub on your credit report. " I later confirmed that it was the mortgage agent who made a typo on the system. Now all my important personal data, including my social security no., is at risk of being misused. I reported the incident to the department and I am waiting to see what step they will take. It is so unacceptable that they made a mistake like that. Now only was my loan application gets a little bit delay, I will also have to find time to do the remedy and prevent any damage to my future credit score. I do n't see any reason why they have to list the whole ss # in the document. I do n't see why they have to do it by mailing. I do n't see why THEY DIDN '' T CONFIRM MY ADDRESS.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's Failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

This is in reference to inaccurate information that is being providing to EXPEEIAN from DRPT OF EDXXXX and EXPERIAN is publishing to my consumer file.The inaccurate information is in regards to late payments which never occurred with said company. What is being reported is below. 
XXXX ( 90-days late ) XXXX ( 120-days late ) This account shows positive payments prior to these dates which is a direct indication something is wrong and inaccurate with its reporting.

UNDER ( FCRA ) CREDIT REPORTING AGENCIES ARE REQUIRED TO MAINTAIN ACCURATE AND COMPLETE INFORMATION. FCRA 607 ( b ) ( 15 U. S. C 1681 e ( b ) .. BE CLEAR IM NOT ASKING FOR VALIDATION BUT IT TO BE REMOVEDFROM MY XXXX  CREDIT FILE OR UPDATED TO POSITIVE PAYMENT HISTORY
Product: Debt collection

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) states : 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: Debt collection

I sent a debt verification letter & email to " Credence Resource Management '' XX/XX/year> and XX/XX/year> requesting also the contract this company claims I entered into with them for services rendered by their company for {$120.00}
Product: Debt collection

The landlord involved in this collections goes by the name of XXXX XXXX and the collections agency is know as Professional Debt Mediation. These two teamed up on XX/XX/XXXX reporting an unjustified debt $ XXXX for damages that landlord used to retaliate against me for giving them a hard time as they were very unprofessional and had no due process in handling renters concerns/issues. XXXX of XXXX is when I realized both my partner and I had the new debt of {$1700.00} on our credit. I called into Professional Debt Mediation asking for proof of debt. The only documents they supplied me with were the lease agreement, itemized charges that landlord claimed were justified, move out inspection signed by partner where all categories were listed as to be determined at time of signing, and the original lease agreement. Since PDM could not provide substantial evidence I disputed this collection within 30 days of receiving debt validation. While doing this I asked for more supporting evidence again debt that is tarnishing my credit at this point ( specifically pictures, invoices from repairs, etc ). PDM agents were very nasty with me, even hanging up on me, repeating we dont have any supporting documents and you already dispute so you will have to take XXXX XXXX to small claims court. Life went on and of course the collections remained causing my relocation to be hell. $ XXXX higher rental rate, deposits, short term rental fees, relocations, etc. Fortunately on XX/XX/XXXX I received a emailed documents from PDM stating that they have discontinued pursuit of the account, as it has been returned to file. So of course I reach out asking what has changed. And the response from the PDM agent insinuated that they did not have enough evidence to continue pursuit, I responded reminding the agent that I have been trying to convey this to PDM but when calling in or them calling me, their main concern was collecting the funds without justifying the debt. Lastly letting the agent know I will be reporting PDM. I am also in the process of starting a civil suit against XXXX XXXX as they have illegally withheld my deposit and unjustly sent me to collections, tarnishing my credit for more than a year of suffrage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letters to request an investigation and to remove inaccurate information from my credit report. In my understanding with the Federal Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit file. The reponse from the credit bureaus stated my file was properly investigated, how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is grounds for removal, they have violated my rights under ; -15 USC 1681 section 602A -15 USC 1681 section 604A section 2 -15 USC 1681s-2 ( a ) ( b ) ( i )
Product: Credit card

The conversation I had with the American Express credit card company was confusing as far as the exact numbers go, so the numbers I 'm using will not be exact but the way the CC company handled it should be obvious. I had a balance due in XXXX. I paid part of the balance ( more than the minimum ). I made a purchase of {$3000.00} in XXXX. In XXXX I paid {$3100.00} on a balance of {$3100.00} making my balance due of {$15.00}. My statement for the amount due in XXXX showed an interest charge of {$28.00}. It looked odd to me that {$28.00} would be charged on a {$15.00} balance. I called the company. They told me that it is a " trailing interest '' charge. Because there was a balance from the previous month ( I 'm thinking the {$15.00} ) that, even though I paid them {$3100.00} they were going to charge me interest on the {$3100.00}. In other words they are charging me interest on money that I have already paid. I asked the lady from the CC company if that was accurate and she said, yes, because the previous month 's balance was not paid in full they would use their '' trailing interest '' policy to charge me interest on money I had already paid them. Is it legal for them to do this? To my knowledge, none of the other CC companies I deal with operate in this manner.
Product: Debt collection

Left multiple message at my place of employment with receptionist and my boss stating they are the District Attorneys office and they are looking for me regarding a case against me. They have left this message after leaving messages on my cell phone and after speaking with me and not accepting my payment offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with XXXX they claimed to have done a investigation and found that company portfolio recovery has complied with all FCRA requirements. 

Asked XXXX and portfolio recovery for method of verification which I have yet to receive. 

Both companies have sent letters stating they will not reply to my request and no longer investigate. 

My rights as a consumer have been dismissed. This is against the law. I have a right to a thorough investigation.
Product: Debt collection

They put it on my credit report and never contacted me. XXXX XXXX??? I did not even get a letter??
Product: Mortgage

Out of the blue my 9 : year mortgage payment with Wells Fargo went from XXXX, to XXXX. In XXXX. There was no notice or update sent. Wells Fargo have given 3 different explanations, escrow. All of a sudden it just was taken from my account. One person said there was XXXX to bring it up to date and another said XXXX. Well that doesnt equal the XXXXx12 which is $ XXXX per year. What is going on? How do they just take money without informing us of the difference.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries made on my consumer report, which have been brought to my attention recently. These inquiries appear to be unauthorized and do not reflect any actions or requests initiated by me. 

Details of the unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Inquiries made without a permissible purpose may be considered unauthorized under FCRA.

I request that the Consumer Financial Protection Bureau ( CFPB ) initiate an investigation into this matter and provide me with a written response regarding the outcome of the investigation. Please inform me of the deletion of all inquiries listed above reporting across XXXX, Experian, and XXXX. 

Additionally, I would like to request a copy of my current credit report from all three major credit reporting agenciesXXXX Experian, and XXXX of charge, as provided by the FCRA, to ensure that no further unauthorized inquiries or inaccuracies are present on my credit reports.