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

I received a brand new phone last week on Wednesday ( XX/XX/15 ) and logged in via my phone to my Cash App ( The payment transfer app from Square ) using my phone number. I believe that the system locked my account because it was a new device that they did not recognize so I did not think it was a big deal so I simply submitted a support request to have them unlock my account. This was submitted on that same night. 

Thursday morning a customer support agent emailed me from Cash App asking me 6 different questions to unlock my account. I immediately replied to the email with all of the information that they asked for within minutes and have yet to hear back from them. All of my money ( {$4100.00} ) is in that account as they tote their direct deposit capability and encourage people to keep their money in their app and I can not transfer it to my XXXX bank account or get ahold of someone on the phone to verify that it is me so that they can unlock it. Have tried contacting them via eMail, social media and even adding their customer support representatives on XXXX but haven't received any responses.
Product: Mortgage

On or about XX/XX/XXXX I closed on a refinance of my home with New American Funding Inc. My XXXX payment was due XX/XX/XXXX and I have made all my payments on time. Today XX/XX/XXXX I was contacted by a Mortgage Company concerning lowering my VA Loan through a VA Interest Rate Reduction Refinance Loan ( IRRRL. During the initial process I was informed that the current servicing mortgage company was not reporting my loan with the credit bureau 's and this was hindering me from getting the lowest interest rate available. He state I am only a couple of points shy and not reporting the loan was preventing me from obtaining the points. I contacted the XXXX bureau 's and they agreed. I then contacted XXXX with New American Funding, XXXXXXXXXXXX. He stated in XXXX they went to a new mortgage servicing company and according to RESPA they wo n't report to credit agencies until XXXX. It would appear this information is incorrect and is harming my ability to obtain the best rate possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XX/XX/XXXX XXXX : Request for Investigation/Removal of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX on XX/XX/XXXX and I noticed multiple unauthorized credit inquiries had been made. 

I contacted each company who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I also contacted all three major credit bureaus. 

I request that you initiate an investigation into the following inquires on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All above inquires have been without my knowledge. 

Thank you XXXX XXXX XXXX
Product: Credit card

I received a notice by email that a credit card account ( Home Depot Consumer Credit Services, run by Citibank , N.A . ) had been opened under my name, on or about XX/XX/year>, and that a credit card would be shipped to me, showing roughly {$1400.00} in charges. At no time did I ever apply for such a credit account. I was finally able to reach a live person at XXXX XXXX on Monday, XXXX XXXX, XXXX, and reported the fraudulent account and identity theft. The account was closed promptly. ( Account XXXX. XXXX XXXX XXXX XXXX ) They also opened an investigation. 

However, their investigation concluded that the account was NOT opened fraudulently and they were still holding me responsible for the charges. After calling XXXX XXXX again, they verified that the application had a different address, social security number, drivers license number, D.O.B., and that the purchase was for a stackable washer/dryer purchased in XXXX, PA. They reopened the investigation. 

The results of that investigation concluded that the account was NOT opened fraudulently, that I had paid something on the account ( I have not ), and that I was still responsible for the charges, and would report me to consumer reporting agencies if I didn't pay. I have been receiving calls from Citibank ( now stopped at my request ), ongoing billing statements, and email requests for payment on an account that I never opened, made purchases against, nor made payments on.
Product: Debt collection

They called using a automated communication phone it did n't have my name or who they were calling for they have called for the last month. And their is no to speak to
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it may concern, there is a hard inquiry on my eqiufax that i did not make and never gave anyone authorization. XXXX XX/XX/2022. I would like this erroneous inquiry off my credit report.
Product: Credit reporting

Below is the email sent to the office of the Attorney XXXX XXXX XXXX of XXXX, XXXX. of XXXX XXXX XXXX Indiana XXXX XXXX : " Good afternoon XXXX XXXX, I received a letter from you in the mail on XXXX/XXXX/2016 with regards to the unmet obligation from XXXX Hospital in the amount of {$86.00}. 

I would like to refer you to the letter from XXXX XXXX XXXX dated XXXX/XXXX/2016 informing XXXX Hospital that the above named company is 'the claims administrator for the State of Indiana 's Workers Compensation self-insurance program and are handling ... .. the claim ' and that 'as this is a worker 's compensation claim, please mote that XXXX XXXX is not responsible for any payment related to this ... medical treatment. ' According to the information received from XXXX XXXX XXXX, the billing was unable to be processed due to lack of XXXX XXXX form including the dates of services, diagnosis and XXXX codes, Tax ID number and itemized charges. 

I am positive that once the required information is provided by the XXXX Hospital, this issue will be resolved. 

Thank you for your cooperation. '' After this mail was sent and mailed to the office of Attorney XXXX XXXX XXXX of XXXX, XXXX, there was no correspondence from the above company in the form of letter, phone call or email. I had assumed the issue had been taken care of as promised by the company until i checked my credit report and found out that my score has been further downgraded. I have always pay my bills on time. This downgraded credit report has been affecting me gain employment. 

I implore you to please assist me in resolving this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

There is a collection remark on my credit report from IC Systems on behalf of XXXX XXXX XXXX for {$19000.00}. I never received any notification of this collection until it appeared on my credit report, and I have never held an account with XXXX XXXX XXXX in my name. Our account for the past 10 years has been in my wifes name and has always been paid on time. 

The collection was apparently filed against me on XX/XX/XXXX, according to my credit report, and as stated I never received notice of the debt from XXXX XXXX XXXX or IC Systems. I was not aware of this collection until XX/XX/XXXX when it appeared on my credit report. After I discovered this collection against me, I filled a dispute with IC Systems on XX/XX/XXXX and still have not heard anything from either company about this debt. 

This is a collection for an account that I never possessed or had any information on and is affecting my credit for something that is not mine.
Product: Debt collection

After asking for validation of debt on the claim of a default auto loan I received a booklet of blacked out papers.I asked them to ceist and desist because they didn't send me anything that proved that I owed on a default loan. They served me to appear in court .I showed up in court with my paperwork this was on XX/XX/2023 .Judge asked lawyer to prove his case and had the same blacked out paperwork and couldn't prove that I owed on a default auto loan. Judge told him he had 30 days. I've not received any information since.Upon checking my mail I found another letter to appear in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX
Product: Credit reporting or other personal consumer reports

Why did Citi credit card report delinquent for the month of XXXX and XX/XX/2023 to the three credit bureaus after telling me XXXX your account is being placed on hold until after the fraudulent charge is resolved.You also do have to make payments towards your account until its resolved However, I was never notified nor received any response stating my investigation was complete, yet they reported fraudulent delinquent information. 
Im asking that the fraudulent information be investigated, and removed of my credit report.
Product: Checking or savings account

XX/XX/2019 Wells Fargo paid on check i wrote to XXXX XXXX XXXX for $ XXXX.I wrote in box $ XXXX.i goof and wrote in writting XXXX Dolllars an no cent ... Wells Fargo in XXXX , Arizona where we was tempory they paid $ XXXX.Check # XXXX and i did make complaint with CFPB.com nothing happen.So we got home here in XXXX, Utah .So we went to XXXX XXXX, Utah ask talk with Banker/agent representive.We got help by XXXX XXXX we ask to update our mailing address.And make payment on our over draft that was a mistake of {$500.00} ... She look at said its been so long i never got hold of them, its going in to Wells Fargo write-off sent to Collection.I said i like to make payments to get it paid off.We used to heve Job working for XXXX in XXXX XXXX, Utah we had to quit in XX/XX/2019 Because got hurt and we was over work when we was on light duty.XXXX XXXX REFUSED to let us Make {$30.00} payment.She said we have to have Paid infull by XXXX XXXX and it ruin your credit because wells fargo will write it off.And you/we maybe make payment arrangement with Collection Agency.I never had this problem ever, this my first time i made this mistake, we been with Wells Fargo about 5-6 yrs.We are trying to get part-time Jobs.We been having Bad luck my sister suppose made payments on our car in XXXX Az.She owes us about $ 5k- $ 8k payments an insurance.So we came back to Utah.Our Mortgage is in Forecloser/Fraudulent i was email from Bad Attorney.But Real Estate of Utah.gov XXXX XXXX is working on our complaint with may others price inflation.Then we got behind on XXXX XXXX XXXX/If Wells Fargo would of rifi our cars we be doing better.So we are still  under Doctor order light duty job.We are then XX/XX/XXXX about XXXX had take my wife to XX/XX/XXXX from XX/XX/XXXX, XX/XX/XXXX.XX/XX/XXXXdid all kinds of testing.They Found XX/XX/XXXX on my wife XX/XX/XXXX, and XXXX my wife is on edge! If she bumps her head they said it more likelyXX/XX/XXXXher.So Yes we got many problems this year ... We sellling all our personal belongings on XXXX XX/XX/XXXX.My Plates expire XXXX, finally got new tags XXXX, Insurance {$160.00}. paid and Car payments behind.We are Homeless for our first time in our XXXX me my wife been together.XXXX got us Medical, XXXX card in the mail takes 5-7days for XXXXood.We eat one meal adayXX/XX/XXXXXXXX, Utah Mayor or the Town Does Not Offer Shelter/Housing for Help only XX/XX/XXXX.UT 75 miles away from us.
Product: Credit card or prepaid card

Capital One reported to the credit bureaus that I did make a late Payment on my account in XX/XX/2017. The credit bureaus have reported the payment history of XX/XX/2017 as a 30 day late payment. I spoke with the company today to resolve the matter and to dispute an inaccurate claim. Payments were MADE in XX/XX/2017 and Capital One needs to address its inaccurate reporting immediately from each credit bureaus.
Product: Student loan

I paid of my student loan account in the amount of XXXX on XX/XX/XXXX as part of my home refinance. A check was cut from our title company for this amount on XX/XX/2016. On XX/XX/XXXX, I checked in with the title company and they reported to me that the check had cleared their account and had been paid to Fed Loan Servicing. My online account with Fedloan Servicing still reflected a full XXXX balance remaining. I called FedLoan servicing to see if they could see a pending payment to my account to pay it in full. They checked my account and all pending payments as well as an additional accounts for payments received that are not associated with an account number and they were unable to locate the nearly {$50000.00} I paid to them. Because of this, I was left with no choice but to believe that Fedloan had mis-directed this money and a stop payment was issued and a new " urgent '' payment issued that same day, to prevent me from losing this money. The next day the money posted to my account. But then was removed due to the stop payment. It then took Fed Loan servicing 10 days to post the second payment to my account. In the meantime due to this mishandling of this account on the part of fedloan servicing interest in the amount of {$320.00} was allowed to accrue on the account. I attempted to resolve this issue and asked for a refund of this amount through the BBB but they responded that despite their error, I am responsible for all interest that accrues on my account until the balance is paid in full, which it would have been in XXXX of XXXX if they had appropriately handled the money and not withdrawn it from my title company 's bank without posting it to my account. In addition, the people that I have had the misfortune of dealing with at Fedloan servicing have been universally condescending, unhelpful and trite in their response to any inquiry I have made and most certainly in response to this complaint. This company is criminal and unprofessional and should not be allowed to service student loans. Or students should be given the option to move their debt to a more reliable and honest lender and not forced to deal with this unethical criminal company. If you have any ability to help me I would request that the interest allowed to accrue on my account between XX/XX/XXXX and XX/XX/XXXX be refunded. If not, I would request that my complaint be made public as a cautionary tale to other borrowers.
Product: Checking or savings account

I am a part of the class action lawsuit for nsf fees. On XX/XX/XXXX I was reimbursed {$160.00} in fees however this amount is not accurate. The class action date range is from XXXX and I can only obtain statements from XXXX. From XXXX not accounting for XXXX, XXXX, & XXXX my fees were well above {$900.00} and only {$160.00} was reimbursed. 

I need full reimbursement from XXXX. 

I also need access to my statements from XXXX, XXXX, XXXX so that those fees can be appropriately calculated and I can be reimbursed. 

I requested these statements from the BOA on XX/XX/XXXX and the rep stated that BOA did not have access. I need access to those documents so that my fees are reimbursed appropriately. 

I also need FULL reimbursement from my nsf fees from XXXX which has not been done.
Product: Debt collection

IN REGARDS TO : COMMON WEATLH FINANCIAL XXXX XXXX XXXX XXXX XXXX, PA XXXX. I HAVE NEVER RECEIVED A 30 DAY NOTICE VAILDATE OR VERIFY IF THE DEBT WAS MINES. I AM A VICTIM OF I IDENITITY THEFT AND THIS ACCOUNT WAS OPENED FRAUDULENTLY IN MY NAME AND YOU ARE REPORTING IT TO ALL 3 CREDIT BUREAUS WHICH YOU MUST REMOVE IMMEDIATLEY. 
I would like to let your company know that I am disputing your claim. The account was opened fraudulently and forgery was committed and the account does not belong to me, and if you can not provide me with a contract or documentation of agreement that has my signature then remove the negative item immediately.

Under the FDCPA, I am allowed to request validation for a collection. As you know, not complying with FDCPA will put your company in a bad position with the FTC and CFPB.

I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned the debt from the creditor.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof of how your company assessed the outstanding debt.

5. Payment history from the original creditor.

6. Name and address from the original creditor.

7. Copy of the original contract bearing my signature.

8. Chain of title on this debt.

9. Proof that you can collect this debt from me.

10.Do you own or is this debt assigned?

11.Copies of all letters sent to me from you the original creditor regarding this debt.

12.How much did you buy the debt for?

13.When was the last date a payment was made on this debt?

14.What fees/interest was tacked onto the debt?

15.How were the fees determined?

ONCE THE ACCOUNT HAS BEEN PROPERLY INVESTIGATED AND VALIDATED AND VERIFICATION THAT I'M RESPONSIBLE FOR THE ACCOUNT I EXPECT A RESPONSE ON THE CFPB SO CAN BE SEEN THAT THIS IS FRAUD AND VERIFCATION CAN NOT BE PROVEN ON YOUR END.
Product: Checking or savings account

XXXX XXXX I paid my credit card debt with XXXX XXXX XXXX through XXXX XXXXXXXX XXXX XXXX  and XXXX  XXXX XXXX  the XXXX  was {$2000.00} and the XXXX XXXX was {$1600.00} round about. XXXX I seen some fraud charges from XXXX XXXX on my card the was fraud as well as a XXXX charge and XXXX XXXX charge. I contacted chase bank the disputed my entire account months n months back reversing all kinds of legit payments on me that I normally pay every month out of that account. So they messed up 2 credit card relationships that took me forever to build and are saying I owe them {$2700.00} and no one will own there mistake so now Im in debt with chase XXXX and XXXX  XXXX XXXX  it ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been a victim of identity theft someone used my social to open up a fraudulent account i need help to get this account removed please help me out, I have filed an FTC report also an ftc affidavit and got it notarized i hope this helps
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX Inaccurate Late Payments Immediate Action Required I noticed that you are reporting errors on my credit report indicating that I was late on the account ( s ) noted below. 
Please explain how you can report these negative marks when I was never late.
Product: Credit card or prepaid card

On XX/XX/XXXX, I took my dog to the vet, the bill came to {$410.00} I had a balance of $ XXXX.on my Care Credit/Synchrony Bank card . It was declined. I contact CareCredit who informed me that they lowered my limit unbeknownst to me. Ive always paid my bill on time. CareCredit/ synchrony the powers that be figured I didnt use my card ENOUGH, they would take a step towards ruining my credit! Never mind the fact that I pay on time every time. Most credit card companies send out a notification and allow a grace period. My available balance as of XX/XX/XXXX was {$1500.00} to XX/XX/XXXX a balance of {$100.00} how is this ok without notification. A credit card company should not be able to ruin a persons credit when that person PAYS their bill on time! I feel like Im being punished for using my Care Credit for emergencies only and paying on time.
Product: Credit reporting or other personal consumer reports

Equifax provided they verified XXXX  # XXXX with the XXXX XXXX  XXXX - XXXX also XXXX XXXX  # XXXX XXXX claimed was verified directly with XXXX XXXX XXXXXXXX XXXX XXXX XXXX  this is an error or a lie!!! I also contacted the Fraud department at XXXX who stated verbatim that this is not correct!! They have no correspondence at all with The Court House directly therefore, this is an error or a lie!!! Either way pursuant to USC 15-1681, 1682 according to the FCRA Im entitled to a fair credit report!! XXXX has affected my rental screening history, my integrity, my livelihood and most importantly my consumer report this is false fraudulent information, it needs to be deleted immediately I am also entitled to monetary compensation!!!! I provided all documentation proving these are not my XXXX  you cant even legally file this close together!! The only time I have ever filed XXXX  was in XXXX  which was discharged!! They have my police report as well as all documentation on file!!! This should be deleted immediately if not I will contact my attorney as this is a direct violation of 15-USC 1681 , XXXX