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

I received a credit card from Union Bank XXXX  years ago when I opened up a savings account with the bank. I have never used the card ; it has remained in my file cabinet since I originally received it. I have also never authorized anyone else to use this card or the credit card number. 

Right after the New Year, I received a letter from Union Bank, saying that I was in arrears on my account and that I owed {$3100.00} for charges and late fees incurred during the previous month. I immediately called Union Bank 's credit card division and was automatically put through to the collections department. When I asked what the charges were for, they explained to me that someone had used the card to make purchases in late XXXX and early XXXX at a clothing store based in XXXX. I do not know if the charges were made in person or online. I live in California and haven't traveled out of the state for the last XXXX years. 

Union Bank collections department did not appear interested in acknowledging there was fraud. It took me multiple attempts to reach the right person at Union Bank who could help me file a fraud complaint. Union Bank, from what I learned, has a third-party service provider that operates its fraud detection system. When I spoke to several people there I was told that did not even have access to my account information, since there are an independent outside service entity. 

Finally I called the next day ( XX/XX/2022 ) and spoke to XXXX in Customer Service, who agreed to send a fraud complaint to the appropriate department, promising me I would hear back within 30 days about the resolution of the complaint. She also told me that the records showed that the XXXX XXXX division had tried to contact me on on my mobile phone on XX/XX/XXXX and XX/XX/XXXX to alert me to a possible fraud. I never received such a call and no message was ever left there. Even though they never reached me, they went ahead and allowed the suspicious charges to be made to my account. 

I find this process to be highly inadequate and unfair to consumers and believe that Union Bank should change its system. Union Bank 's fraud detection operation places consumers at financial and security risk, and fails to follow more effective procedures I have experienced with XXXX XXXX  XXXX and XXXX XXXX, for example. 

I have not heard back yet from Union Bank about the status of my fraud complaint. However, I just received another letter from the bank, dated XX/XX/2022, demanding payment and warning me that " not making payments due may result in adverse reporting to credit reporting agencies. '' I ask that the Bureau launch an inquiry into Union Bank 's handling of this matter, as well as a more comprehensive investigation into how it implements its consumer fraud service.
Product: Mortgage

A blackwater flood damaged my home in XXXX of 2021, after 17 months of battling with XXXX insurance, a settlement was reached through the appraisal process at XXXX 's request. A check for the repair settlement was written to my mortgage company, PennyMac. 

I live and work XXXX hours away from the damaged property and have very little availability to travel to the company for a digital or physical inspection. PennyMac has issued less than half of the settlement funds to me and continues to cancel the scheduled inspections through their automated system. The inspection has been canceled three times. I am the acting XXXX for repairs and can not proceed unless PennyMac releases additional funds. Documentation of the expenses has been submitted. 

Repairs on the property can not proceed until additional funds are released. Additional funds can not be released until an inspection is conducted. Requests for an inspection have been continually cancelled by PennyMac. I can not reclaim $ XXXX of depreciation from XXXX unless repairs are completed withing the next 4.5 months. I can not reclaim depreciation until funds are released.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX  XXXX on XX/XX/XXXX with a balance of {$11000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

There is information that is on my consumer report, that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made an error, or is my request to block being made on the basis of a material misrepresentation of a fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I.C. SYSTEM, INC XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.
Product: Debt collection

I am writing to dispute the following inaccurate information on my credit report : Account Type : Collection Account Creditor Name : I C System Account Number XXXX XXXX This collection account is inaccurate because the collection agency, I C SYSTEM has violated my rights under the Fair Credit Reporting Act ( FCRA ) and its implementing regulations. Specifically : 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency failed to provide me with the required validation information within five days of my request.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I was not given the opportunity to dispute the debt before it was reported to you.

12 CFR 1006.34 ( d ) & 15 U.S.C. 1681s-2 : The collection agency violated my rights by furnishing false information to you without providing the required disclosures.
Product: Student loan

My new student loan provider, Aidvantage, has been charging interest to my accounts despite the CARES Act suspending payments and freezing interest rates at 0 % until XX/XX/2022. Payments I've made since Aidvantage took over my loans have largely gone to interest that has been wrongfully charged to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax just dropped my credit score again by XXXX points again NO CHANGES WERE MADE TO MY CREDIT REPORT. AND IT WAS NOTED BY EQUIFAX THAT THERE WE NO CHANGES TO MY CREDIT REPORT. BUT EQUIFAX DROPPED MY SCORE ANOTHER XXXX POINTS. I THINK THIS IS ACT OF RETIALATION FOR ILLEGAL PRATICES THAT THEY ARE DOING. PLEASE INVESTIGATE EQUIFAX ASAP THEY ARE DOING ILLEGAL CREDIT REPORTING.
Product: Checking or savings account

On XXXX XXXX, there was an unauthorized transaction on my bank account and someone used my XXXX account linked to my bank and made a transaction of {$1400.00} from my account. 
On XXXX XXXX, I called the bank and raised a request with the bank to block my card and alerted them about the unauthorized transaction, and they refunded the amount saying they will investigate the claim. 
On XX/XX/XXXX, the bank said they can not verify the transaction irrespective of raising alerts and blocking the card and asked me to fight with the merchant instead which is absurd because XXXX is a 3rd party website.

**Still waiting a response from the bank** I have the fraud 's XXXX user id to whom the money was sent and also raised a complaint with XXXX but they said I need to talk to the bank to resolve the issue! So basically do not use XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

there is some inaccurate information reporting. 
Account XXXX : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Checking or savings account

My last direct deposit was not released on time. My current one has yet to be released. CHIME has claimed that they do not hold on to funds but release them as soon as they receive them when I try to reach out about my issue, even when I explain that all of my coworkers without their bank have received their direct deposits. I truly find it hard to believe that my workplace would hold funds of CHIME account holders and not for others. Additionally, one can see reports on social media where users have reached out to their payroll team and was informed that their pay was released to the bank so its up to them to release the funds to the users.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I was in the process of searching for a vehicle and came across XXXX in XXXX, NC ( XXXX XXXX XXXX ). During the process I emailed their team specifically requesting to ONLY have the pre-qualification and loan process be pulled for XXXX financing prior to applying for a loan. Their representatives responded confirming that this was possible and that my loan would ONLY be pulled for XXXX financing. I look at my report and they alternatively submitted my information to multiple companies resulting in multiple inquires on my report and negatively impacting my credit score. They proceeded to be extremely unprofessional and unapologetic about their unethical practices and I received several junk letters from various institutions that I never applied to. They also consistently gave me incorrect pricing information from their advertisements, tried to hide and manipulate the sales and incentives and would refuse to apply certain incentives that I qualified for. Their team was psychologically and emotionally abusive. See attached screenshots. 

I demand that they remove all XXXX and XXXX partner inquires from all 3 credit reports and any subsidiaries and that they delete my name and contact information from their systems immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to equifax asking to verify information on my credit report. they fail to respond to my disputes
Product: Credit card

XXXX unauthorized and unknown charges, {$1.00} each, were made XX/XX/year> on my account, The same day XXXX of the XXXX charges was reversed. It appears that the merchant recognized it posed data incorrectly and tried to correct its errors. However, it did not completely do so. A charge of {$1.00} remains. The merchant is located in XXXX, with which I have no connection or was present there. FNBO, the bank, has NO INFORMATION WHATSOEVER on its website as to how to dispute a charge. Moreover, on its statements it provides no instructions- other than to write a letter. In short, FNBO requires a cardholder to pay XXXX cents in postage to dispute {$1.00}. Not to mention the cost of paper, etc. In any case, I went to FNBO 's message center, which as NO OPTION for disputes. Nevertheless, I prepared a message desrbing the problem, and clicked the Submit button. Shockingly, FNBO displayed a message stating that its message center was not working. Thus, I now must wait more time making a complaint via the CFPB. Clearly, FNBO Chair and XXXX XXXX XXXX, has intentionally made it difficult or impossible to dispute charges. This is hostile anti-public policy.
Product: Vehicle loan or lease

Had a vehicle loan through Wells Fargo Bank in 2011. Car was repossessed only being behind XXXX dollars on a payment. Lost my job as a result due to no transportation to and from work
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act XXXX  accounts : XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX. And all listed inquir

ies 15 USC 1681 Section 602A- I have the right to privacy. 15 USC 1681 Section 604A ( section2 ) - Consumer reporting agencies can not report any accounts with out my written instruction from a consumer.
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 90 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Capitol One made a " hard inquiry '' on my credit report on XXXX It was unauthorized by me as I have no dealings at all with this company. Capitol One acknowledged it was fraudulent but refused to provide any details, directing me to send a notarized letter requesting that information. I did that and sent it in XXXX but they never responded ( Capitol One Case : XXXX ). In the meantime, despite this clear fraud in XXXX, someone fraudulently opened a " 360 checking account '' in my name with Capitol One. I have no idea why they keep facilitating this identity fraud against me. I got a credit card in the mail and a checking statement. None of this is me and has been reported to this company as such. They will not give me any information about what is happening but seem to be comfortable facilitating identity fraud. I HAVE NO CAPITOL ONE ACCOUNT and want nothing to do with a company that can not seemingly detect or understand identity theft. I would like to know : XXXX. What these applications were for ( one was a checking account, but why was the hard inquiry made XXXX XXXXloan, credit card, etc. ). How were this applications received ( online, by mail, etc. )? 
XXXX. What information was submitted with the applications ( name, address, contact, details, social security number, etc. )? 
XXXX. The steps/process Capitol One used to vet this application. 

Their Fraud Department clearly needs to update its policies and procedures. It's absurd to let this happen twice.
Product: Debt collection

A while back I was a co signer for my daughter as well as a person they could call on a second account for her. The account I was a co signer on as been paid off and her original account I was just a person they could call if they couldn't get ahold of her. Since then she filled bankruptcy on her account, but now the company has placed my name on the account with her address and are trying to sue. I have never lived at her address, nor been a co signer for that account. All of this is with XXXX/Calvary Portfolio
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX  XXXXBalance : {$0.00} XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00}
Product: Vehicle loan or lease

You ignore my statements about the amount negotiated for my loan ( {$4500.00} ) you try to justify your illegal contract and fees that i did not agree to. IT IS STILL AN ILLEGAL CONTRACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

I received a notification from experian that my credit score declined because of a collection. I never heard of the company or the collection company and never received and still have not received any thing in the mail or a phone call. This looks like a utility company in XXXX. I have not been out of california in the last 5 years and worked for the same company for 5 years and if they could provide me with some dates when i incurred the debt i could probably prove i was here in california at the time.I disputed this with experian twice but they said it was " certified '' by XXXX that it was me, it isn't me. 
XXXX XXXX XXXX XXXX XXXX/ Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX  {$420.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$640.00} OHIO DEPT OF HUMAN S {$1200.00} Date Opened XX/XX/XXXX OHIO DEPT OF HUMAN S Date Opened XX/XX/XXXX Balance {$790.00} **Inquries** XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX