23daVinci/CFPB_Complaints huggingface dataset:
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 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX  Account # XXXX has violated my rights. 

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, credit repair services, or other personal consumer reports

I have sent out all that was required of me by XXXX and Experian, but yet again they are stalling. If these Fraud Alerts are not deleted, I will also file a XXXX  report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several accounts and inquiries from my XXXX XXXX. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my XXXX XXXX, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my XXXX XXXX and XXXX XXXX.
Product: Credit reporting

XXXX XXXX Mortgage Company claimed I was late on a payment XXXX XXXX, 2014 while in was in an active Chapter XXXX Bankruptcy. This should not have been reported then while I was protected. Please remove.
Product: Credit card or prepaid card

In late XXXX I received my rewards balance statement which told me that the bank was no longer mailing out yearly checks for their rewards program and that the rewards were loaded on our XXXX XXXX account. Customers are to go into XXXX XXXX and either apply these rewards to their credit account or they can be applied towards a purchase of their choice. I tried to redeem my rewards on a number of occasions without any luck. I was given numerous excuses and was made to hop through hoops to try and redeem my rewards that theyve done nothing to try and assist me. I was forced to get a new card, forced to wait, and made to call their customer service. After a months period of time, I got fed up and decided to contact your office.
Product: Payday loan, title loan, or personal loan

This is the most recent complaint that I am sending concerning XXXX. In the past I have attempted to " pay '' the loan off early on to discover that the monies were moved and applied to places that I still have no clarification on to this day. I submitted a complaint to IDPR in connection with this predator lender and nothing has come to this. I designated a XXXX draft from my account which would have brought my account below XXXX Have been paying this way for a few months only to discover that the company drafted it's own amount of XXXX. In the past my payment agreement has been changed to lesser months with higher interest rate. I complain to CFPB constantly and only get feedback from company that never answers my concern such as why were the terms changed without my approval seeing that I signed a 53 month agreement and now this! This is something that the bureau really needs to look into about this company ...
Product: Checking or savings account

I have an investment account with Robinhood I started around covid. I havent kept up with it and asked my grandson to help me sell it and get the money out. Im not good with technology so his help is the only way this will work. They locked the account when he tried to withdraw it. I called to lift the restriction but I needed his help to login and they wont let me do anything because hes in the room to help even though its with my permission. Now my account is locked and they are trying to keep over XXXX dollars of my money. Please help.
Product: Credit reporting or other personal consumer reports

Westlake Financial Services has been reporting non-verified information to the credit reporting agencies without my consent. I have not given Westlake Financial Services MY written expressed consent to report anything to the credit reporting agencies. Westlake Financial Services has failed to procure documentation ( Sworn statement of verification or judgment ) that I, XXXX XXXX, owe an alleged debt to Westlake Financial Services .
Product: Credit reporting or other personal consumer reports

I've tried many times to resolve the issue with XXXX they are ignoring my request. 
i tried sending verification letters to XXXX, Equifax and XXXX.
Product: Money transfer, virtual currency, or money service

In a recent transaction using PayPal I have begun to suspect fraudulent activity. I have tried on multiple occasions to contact the seller but have received no response. 



PayPal also said that their responsibility is limited, as this was listed as a service instead of a product. I wish I had been warned. 



PayPal has also said that they would get back to me by XX/XX/2022 at XXXX. Really? 



Hoping that you can intervene on my behalf. 



Many Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX ( XXXX ) XXXX
Product: Prepaid card

Amazon promo for XXXX dollars off cart. prime days. Secure card application in offer. No secure card option in process. Negative score impact in denial on regular cards. Which I didn't expect approval on No discount. No option for secure as promised. 
Bait and switch with consequences to my credit history and score. No discount.
Product: Credit reporting or other personal consumer reports

Why are these negative accounts still on my credit report. I have sent several letters for these accounts since XX/XX/XXXX but they still have not been removed. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX, XXXX {$19000.00} XXXX  XXXX XXXX. XXXX, XXXX {$190.00} XXXX XXXX XXXX  XXXX. XXXX, XXXX {$520.00} XXXX XXXX XXXXXXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXXXXXX. XXXX, XXXX {$520.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$0.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Inquiry XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor sent letter stating that I have to contact each CRA to lift block, however each CRA informed me that they need a Credit Reinsertion Letter from Golden 1 to ensure that all 3 accounts are reported accurately.
Product: Checking or savings account

My phone was stolen while unlocked 3 blocks from my home around XXXX, I ran home and tried to use find my XXXX  to locate my phone but was signed out of my device and all my emails. The hacker changed the passwords to all my email accounts. I had my friend call in a police report. The next day, I went to bank and learned the guy used all the money in my checking account. He made 1 ATM withdrawal and spent the rest of my money on XXXX. Not once did the bank ever flag and stop the transaction, despite the fact that all my debit card/account payments are usually scheduled payments to other banking institutions, utilities, or rent. I have never bought personal consumer goods on my debit card that was over {$100.00} in value. 
I filed a police report and fraud claim with Wells Fargo, but my claim came back late last week and was denied. They said it's because they think I colluded with the criminal since he used my PIN at the ATM. I don't know how he got the pin, but I don't have it on my phone or anywhere. I also had my Debit card on my XXXX XXXX so maybe he accessed it that way. It's also annoying because the money he took from the ATM was only 10 % of the total money this man stole from my account. Never have I withdrawed anywhere close to {$1000.00} at once from an ATM, yet no transactions after were stopped by Wells Fargo. In fact, the guy tried overdrafting on my account 4-5 times. I also have filed a police report with XXXX XXXX  in XXXX. The case # is # XXXX.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report at Equifax as of XXXX XXXX XXXX and has noticed that the account for XXXXXXXX XXXX XXXXXXXX {$5000.00} is illegal because the creditor never filed a proper 1099c process, nor me furnished me with a 1099. As result the reporting of this acccount is in violation of 15 usc 1681 and the FCRA.
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 15 USC 1681.

Im trying to dispute this account because Ive already contacted the company on multiple occasions the account was deleted last week and re-added this week, this makes no sense. I sent a letter to the company ON MULTIPLE OCCASIONS also I havent heard back from them they cant legally do this, I need to have this removed ASAP because of the law, THIS ACCOUNT HAS NOT BEEN VERIFIED AS ACCURATE AFTER TWO DISPUTES BEEN MADE. I WANT THIS COMPANY BLOCKED FROM ADDING INFORMATION TO MY CREDIT REPORT. 

XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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 that a consumer reporting agency can not furnish an 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 or 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: Mortgage

I received notice that my taxes had not been paid and my property was going to be part of a tax sale if {$2100.00} was not paid by XX/XX/XXXX. I reached out to Rushmore Servicing on XX/XX/XXXX and XX/XX/XXXX requesting assistance via email and was told to call the toll-free number and speak to an Escrow Specialist. I was unable to get out of the phone tree to speak to a live person. 

I sent a letter via Certified Mail to Rushmore Servicing on XX/XX/XXXX asking for assistance again and no one has contacted me about this matter. Rushmore 's customer service is appalling. I need to get this matter resolved immediately.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I have 23 hard inquirys on my credit report with XXXX that I didnt apply for credit also Equifax where someone applied for things using my personal information
Product: Credit card or prepaid card

USAA advertises ZERO LIABILITY for fraud. USAA has left me liable for fraud charges that occurred beginning XX/XX/XXXX. See attatched 4 four Letters. Three dated XX/XX/XXXX that give card ending XXXX Transaction date XX/XX/XXXX {$15.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$17.00} XXXX. Kindly Note All three of these transaction charges and dates ** are included in what I reported UNAUTHORIZED. There were {$470.00} total reported fraud by me sometime in XX/XX/XXXX I am thinking. My XXXX statement closed XX/XX/XXXX The statement would have reached me XXXX first week. I do not have an elaborate computer as USAA does to document dates I called fraud. I have a XXXX  XXXX as well AND APOLOGIZE IN ADVANCE that I have No Access due to my XXXX. The letter dated XX/XX/XXXX DOCUMENTED MY CLAIM DATE AS XX/XX/XXXX. I based my info on USAA documentation. What I do KNOW : The card ended XXXX in XX/XX/XXXX. The letters XX/XX/XXXX ALL CREDITS WERE BACK ON CARD AGAIN XX/XX/XXXX as New Purchases. Permanet was Not permanet. NO USAA CREDITS have appeared on statements from XX/XX/XXXX to XX/XX/XXXX LISTED AS TOTAL PAYMENTS AND CREDITS for this period. AND What ever date I did really report {$470.00} UNAUTHORIZED MY FRAUD card XXXX WAS ALTERED to DISPUTES on card XXXX AND ONLY {$59.00} credits were given when I reported {$470.00}. AND THEY WERE BACK ON CARD XX/XX/XXXX DISPUTE NOT IN MY FAVOR. USAAs INFORMATION IS NOT HONEST.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Mortgage

I was referred to XXXX XXXX @ loanDepot On XXXX I applied for a loan with loanDepot because I XXXX told me he could lock my rate in at 2.875 %. I e-signed all documents and sent in required documents for underwriting. I received a commitment letter on XX/XX/XXXX from XXXX XXXX. XXXX XXXX called me on XX/XX/XXXX to let me know he was leaving the company and that XXXX XXXX ( processor ) & XXXX XXXX ( manager ) would be assisting me to closing. Then I received another XXXX to e-sign changing the the loan terms to a 30 fixed with a higher interest rate of 3.25 with {$11000.00} in points NOT WHAT I SIGNED UP FOR. I was told the product wasn't available due to the economic crisis caused by the corona virus. I feel this a bat & Switch and would like help getting what was promised to me in the commitment letter I received.I asking XXXX XXXX how they could lock my rate in & give me an approval letter & then change their minds after I gave them everything they requested and paid for appraisal. He said he would get me the 2.875 % on the XX/XX/XXXX arm but needed just few more item on the XXXX of XXXX. I had to pay my accountant to get the last items he said they needed to get my loan closed. I got him everything the next day Friday XX/XX/XXXX. On Monday of XX/XX/XXXX he sent an e-mail stating he's been beat up enough on my loan and wasn't going to do it but having said that he found someone that could. He wanted to e-mail all my income and asset documents to some guy at another bank. I said no and asked XXXX XXXX to help me at his new company. 

I have done many mortgages and business transactions and have never been treated so unprofessionally. No return call lies & failure to follow the practices required to be a loan office with regards to issuing proper notices handling of my personal document. 

He's actions cost me around {$5000.00} so I did ask him to reimburse me he as yet to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Report suddenly shows 10 student loan accounts passed due 90 days. I am still in school and have not received any request to pay on these loans. My loans are not due yet. I need these removed from my credit report as late payments immediately. 
I have not received any correspondence requesting payment. My address is till current. I am currently enrolled in school.
Product: Mortgage

On XX/XX/2022, I received my escrow analysis from Wells Fargo via mail and it stated I was short {$3000.00}. I was shocked to see such a high number. Upon reviewing further into the documents mailed to me regarding my escrow account- I noted that in XXXX XXXX my home insurance premium was paid as it usually XXXX when I renew with XXXX. However, I noticed in XXXX XXXX Wells Fargo paid a second home insurance premium to a policy that was not mine in the about of {$2600.00}, also to statefarm. I have been for weeks now trying to get this money/refund back into my escrow account so it's not short. I need it back. Wells Fargo has no answers on how this happened. They didn't even believe me at first when I was trying to tell them that second policy was not mine. And I still have no reimbursement.
Product: Money transfer, virtual currency, or money service

I have been trying to get my money out of cash app or send it to someone I have funds already added in my cash app and whenever I try to send it they do not let me and say I don't have sufficient funds when I clearly do. I even tried sending to my bank but they do not let do that either. Here is a video of the same. I have tried reaching out of them in every way possible. Including their social media channels. but they do not help at all. They have the same to others. please stop it XXXX XXXX   XXXXXXXX XXXX
Product: Debt collection

Resurgent Capital Services has sent me numerous emails stating I owe a debt that was discharged in Bankruptcy. They have probably been attempting to call me but I do not answer calls I do not recognize. The original debt was from XXXX XXXX for a credit card debt, but all of my debts owing to XXXX XXXX were discharged. I have not had any credit card or loan with XXXX XXXX since XX/XX/year> when I filed to have my debt discharged. All debt was discharged in bankruptcy court. XXXX XXXX had an opportunity to object to the discharge at the XXXX meeting and they did not do so. ALL OF MY DEBTS OWING TO XXXX  XXXX WERE DISCHARGED!
Product: Credit reporting or other personal consumer reports

There are fraudulent items on my credit report that resulted from the unauthorized use of my personal information. I have never had any association with these transactions, nor have I benefited from them in any way. Taking this matter seriously, I promptly filed a report with the Federal Trade Commission and followed all necessary steps to resolve the issue. However, despite my efforts, these fraudulent items remain on my credit report. This situation has been incredibly frustrating, as I am unfairly suffering the consequences of someone elses misuse of my information. The continued presence of these unauthorized accounts is damaging my financial standing and preventing me from moving forward.
Product: Debt collection

XXXX XXXX XXXX not only did not verify my information other than a name before stating I owe money, next they refused to answer my questions about their validation process and immediately were rude informed me they would mark my file as refusal to pay which at no point did I state anything to that affect and I was told the file would be turned over to an Attorney. At no point did they listen to me or have any willingness to find a resolution
Product: Money transfer, virtual currency, or money service

I was scammed out of {$12000.00} from a man/company that promised me {$50000.00} after an initial {$3000.00} fee that I needed to pay. I was told it was a US Customs fee. I was informed by them that because I took long, that fee was up to {$12000.00}. I wired the money through Chase Bank to a Chase Bank account. I wired money in increments and wired the last {$5000.00} on XX/XX/21. I realized it was a scam today ( XX/XX/21 ) and contacted the bank immediately to report the scam. They informed me that they were not able to return me the money because it was removed from the account. They did not assist me any further.
Product: Debt collection

After checking my recent credit report and found several unauthorized accounts that were added without my awareness.
Product: Debt collection

On XX/XX/year> this company responded to a complaint I submitted to your company. They stated the debt was time barred and no longer being pursued for collections. I checked my credit file and XXXX shows they are still reporting. The agent at XXXX stated they last report date was XX/XX/year>. Why is this company being deceitful. The statements in their response are not valid. They are still reporting this item on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report because I was declined for a credit, I saw that there was a collection from Portfolio Recovery who supposedly bought a loan from XXXX XXXX. This is absolutely false information. All my XXXX XXXX Loans are being settled via XXXX XXXX XXXX. Portfolio Recovery calls any all hours of the day. They do NOT have a loan in my name and it needs to be removed from my credit report ASAP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

XX/XX/22 : Called AidAdvantage to refund me the payments I've made to my Federal Student Loans during the payment pause. I was informed it totaled over {$19000.00}. I was informed it would take from 4-6 weeks. 

XX/XX/22 : My refund request was approved. 

XX/XX/22 : I called AidAdvatange for an updated and was told that it my refund was approved, and it would take 4-6 weeks. 

Today, XX/XX/22 : It has been 7 weeks now and I still haven't seen any update on my AidAdvantage status. I have not received any status update with Student Aid as well. I have not received a penny of my refund back.
Product: Debt collection

Keep leaving messages that they are going to prosecute a lawsuit for full compensation along with punitive damages. I have not ideal what this is for. I was fighting one with XXXX for a credit card from XX/XX/XXXX that I did n't have nor can they prove I had it other than having my social security number and date of birth. I believe there was some fraud under my name during this time. I can not file a police report because they will not give me proof. No application, signature or purchase transaction. As well, since it was XX/XX/XXXX, ant this is XX/XX/XXXX I believe this is well over the 10 years a collector can collect on a debt.