23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX  in XXXX XXXX, CA billed us for a XXXX performed in XX/XX/XXXX. We were on a payment plan for {$270.00} per month. In XX/XX/XXXX and XX/XX/XXXX we made 2 payments each month so we were ahead of schedule. We made another payment in XX/XX/XXXX but did not make our XX/XX/XXXX payment since we had double paid in XX/XX/XXXX and XX/XX/XXXX. Without any notification, we were sent to collections. We continued to make payments to the account in XX/XX/XXXX and XX/XX/XXXX but we are being hounded by the collection company. The account is paid in full. After received a notice from the collection company ( XXXX XXXX XXXX   ) we called XXXX XXXX on XX/XX/XXXX and spoke with XXXX XXXX ( he refused to give his last name ). He told us that the account was delinquent when the XX/XX/XXXX payment was not received. I asked him to review the payment history and he told me that double payments do not count toward the monthly payments. He said when our account was not paid in XX/XX/XXXX that it went to collections without notification. I asked for their policy in writing but he said they do not post anything in writing for the consumer.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX  XXXX Balance : {$2300.00} XXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Mortgage holds my mortgage. I received notification today on XX/XX/28 that my credit was pulled. I have not spoken or given them any authorization to pull my credit report. Due to them pulling my credit this has impacted my score. I request they remove this from my credit. I have never spoken or have permission for anyone to pull my credit at this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXX ( # XXXX ) {$1200.00}, XXXX XXXX ( # XXXX ) {$550.00}, XXXX  ( # XXXX ) {$320.00}, XXXX ( # XXXX ) {$560.00}, XXXX XXXX XXXX  ( # XXXX ) {$470.00}XXXX XXXX XXXX XXXX ( # 1993 ) {$8700.00} has violated my rights 15 USC 1681 Section 602 ( A ) states I have the right to privacy. 15 USC 1681 604 ( A ) Section 2 also states a consumer can not furnish my account without written instructions by me,
Product: Debt collection

I emphatically request that you refrain from adding this to my credit report. It does not belong to me and seems to be fraudulent. Please take the necessary steps to rectify these erroneous accounts.
Product: Debt collection

On XX/XX/XXXX I received a XXXX letter from Midland regarding a charged off XXXX  account that I could no longer pay due to hardship in XXXX for the amount of XXXX which more likely includes collection fees. At the time I explained that I could not pay due to dealing w the death of a parent and am currently dealing w my fathers illness that is ongoing. When I offered to settle the account for 20 % I was told that want acceptable and the harassment through calls and now letters continue. I am also dealing with the side effects of major surgery. Midland had not sent me any additional letter until today as we have issues w the mail. And I have not gotten a bill from XXXX since XXXX
Product: Money transfer, virtual currency, or money service

I am filling complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their despute 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: Money transfer, virtual currency, or money service

My google account was stolen and was placed an order in Google store for a XXXX XXXX XXXXXXXX on XX/XX/scrub>XXXX XXXX and was paid for with my associated XXXX credit card. The total transaction was {$500.00} including tax. Because my google account was stolen, which includes XXXX, so I guess the order confirmation and receipt email was immediately deleted so I got XXXX notice of the transaction. I only found out about the transaction when viewing my XXXX credit card statement later when trying to pay the credit card. I immediately disputed the charge with Google twice, but Google refused to refund me for this unauthorized transaction. Then I disputed the charge through XXXX credit card, and once again, they tried to help me get the money back from Google, but Google still rejected, showing 'evidence ' of the details of the order that was not placed by me, and the delivery record to " XXXX XXXX ''. I have no idea who this person is. I have never shared my Google account or XXXX credit card with any other person. My account was stolen because of security loopholes by Google, so Google should refund me the money that I did not authorize. 
Besides, the serial number of the device is Serial : XXXX. Google should immediately ban this device.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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
Product: Debt collection

I discovered that there were two collection accounts reporting on my credit reports that did not belong to me. I was never notified about the accounts prior to the accounts reporting. I have filed a complaint against the collection agency and their response was that they would remove the accounts. The accounts were never removed from my credit reports and is still reporting to this day. The accounts do not belong to me and is the product of identity theft. It is very dishonest for the company to say that they were going to remove the accounts and not have them removed.
Product: Prepaid card

There are transactions for withdrawals that were declined but show as if they were made. 
Then there were multiple transactions made from XXXX that I never made. I asked for all my past statements so I can look through them and found these discrepancies I didnt see until now. I filed claims with boa prepaid claims dept and am waiting for them to honor their XXXX fault policy to refund me from my loss. 
They had already put me through alot. Freezing my accounts making me verify who I was. They have footage to prove these transactions were not made and should be more helpful their customers.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion Corp. ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian for failing to block information from my credit report. I contacted Experian multiple times to request that certain information be blocked due to inaccurate information caused by identity theft, fraud, and other circumstances, but despite my efforts, the information has not been removed. 

I have provided Experian with the necessary documentation to verify my claim, including police reports, fraud alerts, and identity theft reports. However, the information in question continues to appear on my credit report, causing significant harm to my creditworthiness and financial stability.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft there were 2 car loans open in my name & a lot address I see on my TRANSUNION credit report nd Equifax report that are fraud I have already upload my police report for the accounts & address
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the inquiries that appear on my credit report. Specifically, I am disputing the following inquiries : XXXX XX/XX/XXXX Inquiries XXXX XXXXXXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXXXXXX XXXX XXXX XX/XX/XXXX Inquiries XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXXXXXX XX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXX, XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX  XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXX  XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXXXXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries I do not recall authorizing any of these inquiries and I have not applied for credit with any of these companies during the time period these inquiries were made. These inquiries are having a negative impact on my credit score and are affecting my ability to obtain credit. I am requesting that these inquiries be removed from my credit report. 

I have enclosed a copy of my credit report highlighting the disputed inquiries for your review. Please investigate this matter and remove the disputed inquiries from my credit report as soon as possible. 

Thank you for your attention to this matter. 

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

I'm writing this because I'm concerned that I am a repeated victim of identity theft as evidenced by my recent enrollment in XXXX identity works compliment of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  also offered me a claim check acknowledging they were sorry to hear i was a victim of fraud and identity theft with them. all of them with a fraudulent hard inquiry and account on my credit report which has since been removed. I've also in the past been a victim to hard inquires by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mt past emails from XXXX  and XXXX have been hacked and stolen and shared and sold on the dark web though ii can't stop that i need to protect me self and shut those emails down and i don't know how to reach out to XXXX support.
Product: Checking or savings account

Fradulant charges on account and tax return used on account putting account at {$0.00} and being assessed fees associated with not having funds. They did n't put the data or the police report bin their system. They want me to file paperwork again. Similar thing happened to me with my credit card from this Bank.
Product: Checking or savings account

check made out to a company in XXXX XXXX IL. on XX/XX/2022 Check was stolen out of customers mailbox. Check made out for {$30000.00}. Check was cashed in XXXX XXXX on XXXX XXXX. Made a police report contacted my bank and the bank in Mississippi and I am told that the check was cashed legally.
Product: Mortgage

During Covid, I was in a forbearance with XXXX XXXX, in XXXX of XXXX, they notified me that my loan would be serviced by SLS. At that time, I could no longer get a hold of anyone SLS and neither was able to get into my account on XXXX XXXX. 
After many calls and paperwork with SLS, I went into a 90 Day Loan Modification trial period. 

As of XX/XX/XXXX, my trial period was over. 

I received a notice of my final statement for my XXXX, XXXX, XXXX payment on XX/XX/XXXX. That day my credit report app and bank alerted me of a drop in my credit rating dropped over XXXX points. I noticed the " reason '' and it showed SLS had reported my mortgage was over 120 days late. Missed payments is what the credit report shows. 

I now have a letter from SLS congratulating me of my Modification Agreement and to please sign and return. 

Because I am now outside of my XXXX trial period, I am trying to refinance my loan to get a better rate. I can not get a better rate because they reported my loan to be over 120 days late. 

I have called SLS and informed them of the credit issue and they said that once I send back the paperwork, then they would address the fixing the credit report. 

I understand the forbearance and modification would never hit my credit report. 

I really need help getting this fixed as rates continue to go up, I can't get out of this loan with SLS to move on.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX , XXXX XXXX XXXX XXXX, GA XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX , XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2100.00}, XXXX XXXX Balance : {$2400.00}, XXXX XXXX Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$390.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Product: Debt collection

This debt appeared on my credit report and i contacted the company regarding this debt and provided the account number listed but to no avail my issue was not resolved. i was not provided proof of the contract I signed or if this debt is even my debt. I disputed this claim solely on the basis that i have no knowledge of this account and the company will not provide the neccesary proof that this is my debt. The debt is for {$2600.00} and {$850.00} and I have been damaged by this matter from not being able to access credit from other organizations.
Product: Checking or savings account

I am writing to file a complaint against XXXX XXXX XXXX XXXX regarding multiple overdraft fees I have incurred.Despite having sufficient funds when transaction were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe theses practices are unfair and request an investigation into my account transactions.
Product: Vehicle loan or lease

credit acceptance corp car loan opening date XX/XX/2019 balance XXXX payment of XXXX for XXXX  months XXXX retail opening date XX/XX/2019 credit card credit limit XXXX with minimum payment of XXXX account at XXXX at the moment I have had identity theft since I was a child and today it is causing me problems in my home I have never traveled to the United States the only accounts I have are in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into an unauthorized hard inquiry on my Equifax credit report. I discovered this inquiry while reviewing my credit report and believe it was conducted without my knowledge or consent. 
The details of the inquiry are as follows : Date of inquiry : XX/XX/year> XXXX Company name : XXXX XXXXXXXX XXXX of inquiry : XX/XX/year> XXXX Company name XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX Company name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXXXXXX XXXX name : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX Company name : XXXX XXXX XXXX Date of XXXX XXXX XX/XX/year> XXXX Company name : XXXX XXXX XXXX XXXX of inquiry : XX/XX/year> XXXX Company name : XXXX XXXX XXXX I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to access my credit report, nor did I initiate any transaction, application, or business relationship with this company that would warrant a hard inquiry. According to the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by the consumer are permissible. 
I have already contacted Equifax and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX regarding this issue and have not received a satisfactory resolution. Therefore, I am seeking your assistance in removing this unauthorized inquiry from my credit report. 
I request your prompt attention to this matter, as unauthorized inquiries can negatively impact my credit score and financial standing. Please let me know if you require any additional information or documentation to assist in your investigation. 
Thank you for your time and assistance. I look forward to your response.
Product: Money transfer, virtual currency, or money service

I tried to call cash app numerous times.. when I finally got thru, they tried telling me that my account was closed because of fraud activity. When I asked them the dates and time this supposedly happened they would hang up the call. I would call back again and they would go silent, then I would here buzzing. You know when call hangs up and then starts buzzing XXXX I tried to log into my cash app .. says account closed. I used this app to send my fiance money in the service. Now we have to use XXXX. XXXX takes longer.
Product: Debt collection

I was a XXXX customer since XXXX so after years had passed I was given XXXX year contracts and new phones XXXX of charge as long as I agreed to a XXXX year term. In XXXX of XXXX it's been a while. So XXXX  made the same deal with me for a XXXX year deal with the upgrade and XXXX phone to all my lines and we agreed to the same terms. As the month progressed my bill was showing the charges to all phones and for months they put me on hold from my bill representatives from the retention department. After months of back and forth they closed my account disconnected my services and sent me returns packages for all the phones I sent every phone back from XXXX and called them not to put the account on my credit report or I would complain to the Federal trade commission and they didn't for years and when XXXX I made a report to the FTCnow another creditor Jefferson Capitol Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. We have been impacted severely these past few years in XXXX my wife suffered a XXXX XXXXXXXX XXXX, then XXXX and the loss of my father and now it has become very hard for us to sustain a XXXX XXXX that can help us thru all these hardships my credit has suffered a great deal with this new account Jefferson Capitol Systems has put on an i am requesting you contact them to have it removed as an unfair practice and as a great burden for me and my family please feel free to contact me XXXX XXXX XXXX thank you