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

My personal and financial information was compromised without my authorization. XXXX XXXX was given access to my personal and financial information without my consent or authorization.

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my XXXX XXXX  debt in full.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized furnishing of my personal credit information by your company. According to my recent credit report, there are entries that I did not authorize and which I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 6 letter and dispute I have sent to this CREDIT BUREAU along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and these creditors and CREDIT BUREAU are violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my 6th notice to this company notifying you guys that these listed accounts are fraud. My information isnt protected, and this credit bureau isnt honoring my identity theft claim. My 7th notice of litigation will be a lawsuit suing this credit bureau, these company did not honor my rights or acknowledge my supporting documents regarding identity theft. I was incarcerated for 10 years with proof when all these accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, Im going to sue for my rights being violated, pain and suffering, false allegations from these creditors and credit bureau, and assisting to furnish wrong and fraudulent accounts. I demand all accounts be removed ASAP.

Specifically, I refer to the following account : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These above addresses are fraudulent, and these perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised during the time I was incarcerated for 10 years ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in opening accounts and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX, Upon reviewing my credit report I noticed incorrect information. I am writing to delete the following item from my credit report as the item is fraudulent and a result of identity theft. The item listed below was not initiated by me at any given point and is NOT MINE so please delete the following item off of my credit report, as I am providing you with my identity theft report which is an official statement of the crime. I am also providing you with my social security card and proof of address for your verification purposes. I AM AWARE OF MY RIGHTS UNDER section 605b of the fair credit reporting act that this fraudulent information must be removed from my credit report after providing the necessary information that is required along with this letter. THIS REQUEST IS TIME SENSITIVE, TIME CRUCIAL AND TIME CRITICAL THAT that this item be removed off my credit report effective immediately as the item listed below is inaccurate and it is illegal to report inaccuracies to a consumer credit report. Please be sure to send me the results of this request. Thank you. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Opened : XX/XX/XXXX Account Balance : XXXXXXXX XXXX Unauthorized hard inquiry : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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: Credit reporting, credit repair services, or other personal consumer reports

I filed a chapter  XXXX  bankcruptcy on  XXXX     2015 and   XXXX  still showing in my credit report    XXXX   ac count late, I only hav e  XXXX  new  account, I though that when someone do a bankruptcy it going to be in the credit report but no as late, i send  XXXX  a letter and the Bankruptcy Discharge certificate in  XXXX  and they did not do anything. Can you please help me with this issue. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported a {$2500.00} account in collection on my Experian credit report. I have repeatedly requested proof of this debt from XXXX XXXX as well as Experian for over the last 4 years, and have received nothing in all this time. They even tried to sue me in court in 2014, but I hired a lawyer and XXXX XXXX promptly dismissed the case without ever providing requested proof. I question the ownership of the account as I don't know why they say I owe them this money, as well as the validity of the amount, the company trying to collect that debt, and their right to do so. My issue is that each of these disputes to the credit reporting agency Experian have come back with the statement that the information I disputed has been verified as accurate. The credit bureaus simply ask and the reporting creditor says yes, that is it! They've already reported it on my credit report, of course they're not going to say, oops, its a mistake! There is no proof required, anywhere, ever! In the meantime ( 7 years! ) my ability to purchase a home is negatively impacted, my insurance rates are negatively impacted, my interest rates on any loan are negatively impacted. The fact that any creditor can keep collection information on individual credit reports without providing any proof whatsoever is a serious injustice to American consumers.
Product: Checking or savings account

About 3 to 4 weeks ago, my two banks accounts with J.P. Morgan Chase Bank were robbed via internet. The case were reported to the Chase Banks personnel. After that, they supposedly open and investigation and blocked both account. Meanwhile my Social Security money and my job weekly pay kept continuing entering the Chase Bank as usual, but for me they were both restricted. After several visit to the branch located in XXXX XXXX XXXX in XXXX XXXX, NY, XXXX it was offered to me the amount of XXXX XXXX.when the whole total overpass the {$4000.00} dollars, which I refused. The person who act as manager of that branch called the department of investigation of the bank, who gave me the impression that did not knew nothing about the case. Came back other time to the bank again and this time was given to me a debit car with the amount of {$550.00} dollars from which could expend probably XXXX dollars, and again the account were closed and can't not use now, because is like a kind of game, yoke or something similar. I did not know that JP.MORGAN CHASE has people so irresponsible in their staff. I haven paid my rent, no money to buy food, no car insurance, and the rest is problem over problems. I am a XXXX XXXX XXXX person, XXXX, XXXX with XXXX XXXX XXXX and some school too, XXXX who have to work with those medical conditions to survive. Don't want to keep talking, but a little scandal, scandal that you provoke will teach someone some decency and respect and help them get my money soon or I will not finish writing to everybody till I get the solution to this my problem ...
Product: Debt collection

Resurgent Capital Credit AKA LVNV Funding LLC is collecting a debt for XXXX XXXX XXXX. The amount is {$1300.00}. I have tracked down accountholder name and it is identical to my name, different home address and different person. Ii seems the XXXX XXXX XXXX looked up the name and saw my same name and assigned collection to my name as it is same name. Now all three XXXX XXXX are carrying this uncollected under my ssn and my address which is not the original address debt was initiated at. This collection effort was made known to me by a letter on XXXX, XXXX  of the debt being collected given by XXXX XXXX to LVNV collection agency. I contacted XXXX XXXX and LVNV to dispute the collection amount. I also contacted all three credit bureaus and froze my credit accounts and requested a fraud alert be placed on my credit accounts. I am a former XXXX XXXX, former XXXX XXXXXXXX and presently am XXXX I have lived at my present address for over 24 years. My job can attest to my employment address and home address for these past 24 years. It seems that this debt was assigned for collection based on the same first name seen on a credit report. Obviously same ssn resulted and new address with my name was used to collect this past due account. I can vividly see how this error happened. I have filed a police report and am waiting to obtain copy of the police report. I will also file the theft affidavit and hope this debt is remove from my credit report. Any information you made need I can provide. 













XXXX XXXX XXXX
Product: Mortgage

Despite having my PMI insurance removed by bringing my LTV below 80 % of the purchase price and receiving a later stating it has been removed, I have been charged PMI subsequently. On XX/XX/XXXX I went to the branch on XXXX in XXXX and gave a manager, XXXX (? ) a check for {$4200.00} to be applied to the principal. Despite explaining that it was for principal ( I had made my payment that month already ) and writing on the check " for principal '', the bank only applied {$2400.00} towards principal and the remaining {$1700.00} towards the mortgage. I only found this out after I was rejected to have the PMI removed because the principal amount was n't at the required threshold. After numerous back and forth with XXXX in Escrow the payment was eventually reversed and applied toward principal. I had to re-submit my request for the PMI to be dropped and I had both verbal communication from XXXX and written that " your PMI has been cancelled '' and you are no longer responsible for any further PMI premiums. 
I thought this matter was settled until I looked at my account summary online and saw that escrow disbursed {$180.00} on XX/XX/2017 and XX/XX/2017 {$370.00} both with an effective date of XX/XX/2017.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed Inaccurate Personal Information on their that needs to be updated.

Their should only be one name, phone number, Address, email Address. 


Please remove All other Inaccurate personal Information!!!!!!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have been struggling to remove fraudulent information from my credit reports for the past two years. While I was outside of the US, nine credit accounts were opened in my name without my authorization.

I have filed numerous disputes with Experian, providing them with a police report, an identity theft report, and an XXXX as proof that I was out of the country when the fraudulent accounts were opened. Despite this, Experian has refused to remove two fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX Instead, they mistakenly removed my legitimate XXXX account, which I am now attempting to reinstate. 

My XXXX report contains one fraudulent account belonging to XXXX  XXXX XXXX. 

I am seeking assistance in resolving these issues and clearing my credit reports of all fraudulent activity.
Product: Credit card or prepaid card

To whome it may concern, This is a warning to anyone thinking about accepting payments to their credit card from someone that is offering to buy goods or services online. Do Not Do It! Those payments can be reversed at any point in the future, mine was 6 months later! 

I am a credit card customer of Capital One Bank ( XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX ). I had an item advertised online for sale and someone offered to purchase it by paying off my credit card. As many people know, this is an unreliable way to accept payment and a common scam so I contacted Capital One customer service that I just received a payment from someone online and asked them if I cancel my credit card and close the account, how long after the closing date will the account completely be closed, where no payments can be made into or out of the account and no payments into the account can be reversed. I was told by the Capital One customer service representative that I would have to wait 2 billing cycles ( 2 months ) after account closure for all accounts to be settled and no more transactions will be able to be made into or out of that account. Everything will be finalized by then and all payments settled. So going on the advice of the CS representative I told the payer ok but you will have to wait at least 2 months, they said ok and the {$7900.00} payment arrived into my account on XX/XX/2019 ( split into 2 separate payments ). So I proceeded to close the account a few days later, received a check for the positive balance in the mail from Capital One and waited 3 months after closure to mail the person the item in question ( XX/XX/2019 ). 

6 months later at the end of XX/XX/2019 I receive a letter in the mail from Capital One informing me that a payment error was made on my account, that the payment has been returned to the bank that payed it and to quote the letter from Capital One " Rest assured, we've already corrected this error and you dont need to take any action ''. I just spent 2 hours on the phone with Capital One and as it turns out there is nothing they can do about it, I have no recourse or any way to get the money back and I now owe Capital One {$7900.00} + {$220.00} interest for the late payment. I asked them to provide any information about the bank or account that the reverse payment was sent to and they refused to provide any information about how or who requested the change. No names, no account information, not even the banks name that the refund was issued to. 

Do NOT accept payments to your credit card! They can be reversed at any stage in the future, mine was reversed 6 months after I received the payment and 5 and a half months after I cancelled and closed the credit card account. 

Regards,
Product: Debt collection

My home foreclosed in XXXX of 2010 with BofA. BofA had my ex partner and I sign a {$7200.00} promissory note. There were mistakes in it found after the foreclosure. They asked us to sign another promissory note. We declined. BofA never made any attempt to collect the debt for 4 years. My ex partner filed bankruptcy and the debt was not listed even though he double checked with BofA to be sure. Last year, after four years of the debt not being pursued, BofA sold the debt to XXXX XXXX XXXX, a debt collector. They have been trying to collect the debt from me. I do n't believe it is a valid debt.
Product: Checking or savings account

There was a check of {$190.00} I deposited electronically into my checking account with Chase back in. XXXX That account was later closed but that check remained pending because according to Chase the picture was blurry and they couldnt verify the company. I tried to redeposit after opening a new account and I was told I wasnt able to. I still havent received that money. I called several times and was told to speak to my payroll department and to go to a chase branch as well as giving payrolls phone numbers to Chase in order to have them verbally confirm that check was issued to me. None of these options have helped me.
Product: Credit card or prepaid card

Over 6 months ago I got the Paypal 2 % cash back card.

At this point I have made payments of {$4300.00} and should have a minimum of {$86.00} in cash back available to redeem. The Banks website states that I have {$4.00}. Thisis not correct.
Product: Mortgage

I paid my XXXX mortgage payment through the Mortgage Companies website, ( Cardinal Mortgage ) on XX/XX/2016, and noticed on XX/XX/2016 that the funds had not been withdrawn from my bank account. I called a representative from Cardinal on XX/XX/2016 and was told that the payment from XX/XX/XXXX was declined, and was instructed to enter a new payment for the same amount, and assured that the payment would not be duplicated. I told the rep. that I was about to leave the country for a week, and wanted assurance that the payment was taken care of. Upon returning on XX/XX/2016 I noticed that a total of 3 payments were deducted from my checking account resulting in NSF fees of {$70.00}. The mortgage company instructed me to email copies of the statement showing the NSF fees, and they would consider repaying the fees to me after 5 - 30 days. They refuse to acknowledge that the 2nd payment was based on instruction from them, and the 3rd draft was clearly done by then automatically as a retry draft as indicated on my bank statement. I do not fell that I need to wait 5 -30 days to see if they decide to reimburse me for THEIR mistake.
Product: Money transfer, virtual currency, or money service

I initiated a funds transfer ( ACH ) out of the account ( Coinbase/GDAX ) on XXXX XXXX - XX/XX/2018 UTC for the amount of {$10000.00}. ( Transfer ID : XXXX ) ( Case # XXXX ) It has been 3 weeks to date. I have had multiple phone calls and multiple emails, with basically no information. All that was said, is that " a specialist is looking into it. '' The emails were exchanged around XX/XX/2018. ( no information ) I have a record of them. 
I have made 3 phone calls to Coinbase support over the past 3 weeks with no information given. 

My bank, XXXX has not received the funds yet. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my Credit Score and noticed it was a lot lower than I thought, upon reviewing my Credit Report, I noticed there were items reporting to my Credit that I did not open myself and that there was incorrect information reporting as mine. I sent in proof of my identity, I have made calls, I even filed a report for identity theft. The items still haven't been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

IM VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX, AND XXXX REPORT AND NOTICED ACCOUNTS AND INQUIRES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2019 XXXX internet made an error by ordering an unauthorized hard inquiry credit report from Equifax. Once they realized they made a mistake, they issued a correction to Equifax and I have the confirmation that Equifax received it. please see attached, however, Equifax keeps denying receiving such documents and refusing to correct the reporting. 

Equifax was contacted by me several times and I received nothing but terrible service due to the fact their customer service is in a foreign country and very hard to understand
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account ending XXXX still reporting a balance and pass due after they sold account this violating 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX UNKNOWN FURNISHER account # XXXX ( {$400.00} ) UNKNOWN FURNISHER account # XXXX ( {$220.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a supporting letter off on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is to share my information to a third party. 

There are clear violations of my federally protected consumer rights.
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. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX 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

I am submitting this complaint against Transunion regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 

3. Contact Information : My main contact number is : XXXX. I would like this number to be updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license A copy of my Social Security A recent utility bill