23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681cXXXX XXXX XXXX ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card

On XXXX, I received two credits back to my account each for {$110.00}. This was completed in error and the company who refunded me admitted this was incorrect. I called Capital One to reverse the credits and they refused to cooperate. They insisted they can't reverse the transaction and this is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to removeitems that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX ; DEPT OF ED XX/XX/XXXX
Product: Mortgage

Checked credit report through XXXX and discovered the following message : " AMS SERVICING , LLC has flagged your account as Not more than XXXX payments past due ( XXXX ). '' I refinanced my mortgage with XXXX during XXXX 2015. There have been multiple changes and I am currently paying Seneca Mortgage. I have never paid late and always pay more than is due every month ( {$2000.00} ). All payments are made electronically - XXXX : Paid {$2300.00} ( Credit Union Tracking # XXXX ) XX/XX/XXXX15 : Paid {$2200.00} ( Credit Union Tracking # XXXX ) ; XXXX15 : Paid {$2200.00} ( Credit Union Tracking # XXXX ). Attached is payment history since I first was notified to send my payments to Seneca Mortgage ( XXXX15 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information concerning Equifax. I have previously complained of Equifax 's illegal conduct under ID # XXXX XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. This is at least my XXXX attempt to get Equifax to publish my consumer report in accordance with federal laws. Equifax has failed to conduct their required investigation in accordance with federal laws; failed to provide the details of their alleged investigation relating to items published on my consumer report; failed to delete items in accordance with my written instructions as the consumer ; and continues to publish my personal information to third parties outside the scope of my consent thereby violating my privacy rights. Equifax is in violation of my rights as a federally protected consumer.
Product: Checking or savings account

I am retired and the only income I receive is from my daughters or other family members. They opened me a Sofi account so they can XXXX me the money. The account was opened and on average the balance is less than {$200.00}. My on XXXX, my daughter XXXX XXXX me {$1000.00} for medical exams and the XXXX was rejected and my account restricted. No withdraws, deposits available. there was a message to call a sofi # and I did. They didnt know the status or reason. I have called 4 times now and no resolution. Im a poor persona and I have {$230.00} in my account. I only want to withdraw the money and close the account since the bank doesnt even give me a reason or resolution. I did some research online and this is a common practice from this bank. This should be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid in full and I was told that after it was paid in full that they would delete the entry from my credit profile. However, this account is still reporting on my credit profile.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an 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: Vehicle loan or lease

I was denied a car loan with XXXX XXXX 2 months ago and because I was already denied even with the follow up this inquiry has to be removed from my consumer report file. Per 15 usc 1681 they are to be fair and equitable to consumers, confidential meaning if I didn't give them permission for them to post that to my consumer file or my credit report its illegal and its not accurate.
Product: Money transfer, virtual currency, or money service

Cash App ( Block, Inc. ) has engaged in unfair and deceptive practices in violation of the Consumer Financial Protection Act ( CFPA ). The company failed to implement adequate security measures to prevent fraud, leaving my account vulnerable and unprotected. Additionally, its dispute resolution process did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, resulting in an unfair and inadequate response to fraudulent transactions. These failures have caused significant financial loss and inconvenience, warranting appropriate redress.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I was alerted to a change in my credit score. I saw Capital One checked my credit report, without me contacting them prior. On XX/XX/2020, I called the company 's ' support line ; however, the company would not accept my calls, since I wasn't a customer. Basically, all options from the robotic call center were for customers, and I could not get in contact with anyone.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX in the amount of {$760.00}, a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$920.00}, a credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$1600.00}, a credit card account opened at XXXX on XX/XX/XXXX in the amount of {$870.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the documentation from XXXX XXXX which states, If you have concerns that a record has been erroneously matched to you and included in your credit report, please contact XXXX to correct the error. XXXX does not match bankruptcy information to consumer credit files for XXXX. XXXX performs this matching. 
Please explain how your company adheres to, 611 5 ( A ) which explains, Treatment of inaccurate or unverifiable information. ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. Please advise who did your Consumer Reporting Agency speak to at the US Bankruptcy court to verify, update, correct, or modify the bankruptcy listed on my credit report is accurate? 
I ask this question because my credit report explicitly states your company got the information from a third party ( XXXX XXXX ) and therefore it may not be accurate. Did a representative of your Consumer Reporting Agency travel or speak to the New Jersey Bankruptcy Court and verify, modify, update, or correct the information in person? 
Please include the documents showing the bankruptcy is in fact accurate, updated, correct, and verified including the entire docket showing this action based upon the law. Please explain how your Consumer Reporting Agency intends to modify the information in the bankruptcy filing. Can your Consumer Reporting Agency modify the information in the XXXX Database that XXXX XXXX used? Can your Consumer Reporting Agency modify the information in the State, Federal or Public records related to the bankruptcy? 
Per the US Bankruptcy Court, they do not modify, verify, or update the information for Consumers or Consumer Reporting Agencies. Please advise and share in writing the workflow and documents in place to open the docket to update, modify, verify dispute, and correct information on my behalf with the US Bankruptcy Court as a Consumer Reporting Agency. Please advise why they are listed as a furnisher on my credit report when they dont provide this information.
Product: Credit reporting

I disputed my inaccurate XXXX item with Equifax. It was inaccurate because the high credit amount was different from the balance. Both have to be the same amount if the past due amount is zero, which it was. Anyone could look at the item and see that it was inaccurate, without information from the furnisher. Equifax made no effort to investigate. Please delete this item.
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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 are the list of items which do not belong to me or were opened without my permission. 
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 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 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 XX/XX/XXXX 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: Debt collection

XXXX Stated on XXXX  XX/XX/2021. A guy saids its pass the XXXX and my payment was returned by them on XX/XX/2021. I want the information deleted and a copy of the time barred letter promise. No letter still.
Product: Debt collection

I have contacted the Bureaus XXXX Equifax, XXXX, I have received confirmation from the U.S. Bankruptcy Court stating they did not furnish my personal information to the reporting agency I demand to have this Bankruptcy removed from my profile as it is in violation of my rights. and they have obtained my information with my consent from public records.
Product: Mortgage

In the XX/XX/XXXX-XX/XX/XXXX time frame I had a mortgage serviced by a subsidiary of ALLY Financial Inc . The subsidiary illegally filed a foreclosure action after mishandling my mortgage modification request and application. The subsidiary subsequently filed for Chapter XXXX Bankruptcy. I request my concerns be addressed by the parent company Ally Financial. 
The problems with the subsidiary GMAC Mortgage/XXXX XXXX. 

I request that the irregularities with misuse of Allonges, Robo signing, disregard for due process in the handling of jurisdictional requirements in the foreclosure process and a lack of standing by Ally Financial 's subsidiary be addressed and resolved by Ally Financial.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Contacted via email about a debt for two motorcycles I purchased. One was already repossessed, and the other one was not. Threatened many times about being sued, wages garnished, and possible arrest by police. Never received anything via mail, only calls and emails made/sent to myself as well as my mother. They said the same threatening things to her about what could happen to me, if the debt wasnt payed immediately, and continued to badger her without any permission from me to talk to her about my debt..They have offered a settlement, but they wouldnt provide a physical address of their business until my mother told them we wouldnt send any money without knowing where theyre located. They had originally asked for payment over the phone, and then gave a XXXX XXXX where to send it. When I searched for information on the internet I found on the XXXX that this agency name and address was closed, and many of their tactics where reported over and over in complaints to the XXXX. I did ask them about finding on the XXXX site where it said their business closed, and they told me businesses change all the time ... The name the collections agency gave me was XXXX XXXX XXXX, also used the name XXXX. The address they finally gave me after repeated attempts to get it from them is, XXXX XXXX XXXX XXXX XXXX with a zip code of XXXX. Im not sure where to go at this point, all the phone numbers I found associated with them say they are not in service. Even the ones on the website ( XXXX ) they gave me didnt connect me to anyone. I was told I needed to send the money two day express with no signature required, and that I would receive a clean title to the motorcycle, the one that wasnt repossessed, 1-2 weeks after they relieved the money. I did contact the original company I purchased the motorcycle from, but they were unable to give me any verifiable information about the debt. I called two different numbers. One of them I found on line, but the Yamaha representative couldnt tell me anything about the debt. Also called a Yamaha phone number given to me by XXXX, which told me the debt was bought out by XXXX XXXX. Ive never received anything from XXXX XXXX about this debt. XXXX XXXX XXXX said XXXX XXXX bought the debt, and XXXX XXXX is the third party used to collect the debt .... Ive been told so many things by XXXX XXXX XXXX, and many of them have been contradicted from one phone conversation to another, and from what is told to me vs what is told to my mother. Also, the information Ive found online doesnt substantiate the information XXXX has given me ... I have no idea where to turn at this point, or whom to believe. Any help you could give me would be greatly appreciated.
Product: Checking or savings account

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

I own Chase Bank and have a salary account XXXX XXXX is hiding from me.I also own XXXX and XXXX  XXXX XXXX XXXX XXXXXXXXThey disrespect me on the phone.And refuse to answer emails.
Product: Checking or savings account

I lost 4 family members within 15 months all with USAA. I called them when my brother died 3 years ago and followed their instructions. They told me not to fill out any paperwork or do any small estate paperwork because they would mail the check anyway after 3 years from the date my brother passed. 

Called today and they are deceptive and told me something very different. Now I need to perform the act they advised against 3 years ago. 

By the way the reason I do not want to do a small estate is I do not know what dept or my brothers finances. USAA advised of this. 

They want to keep funds and being unfair, deceptive and their business practices are questionable
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested XXXX XXXX XXXX to dispute the negative, derogatory past history on my account being that the account is current and any issues were satisfied. However they refuse to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

one of my store credit card decreased my credit limit from {$4000.00} to {$200.00} on a report from Transunion indicating 1. lack of Real Estate secured loan information ; 2. too few Accounts Paid as Agreed ; 3. Too few accounts paid as agreed and 4. Delinquent or Derogatory status on Auto Accounts is too recent. I take issue with all 4 as my 2 card were all paid in a satisfactory matter as I was never late and 2. there were two auto loans on my account and one was paid off that was also NEVER LATE. In addition, by them decreasing my credit, my Score dropped 19 points. I have never experienced a credit limit decrease. Something is not right here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried calling and getting the runaround. Calls are immediately transferred to a survey when speaking with an agent.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries that are associated with the unauthorized and fraudulent activity that was previously disputed are visible on my credit report and needs to be deleted. Transunion- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX Still visible on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  was never used. There is no information in their computer system. It is XXXX year old account. It is still on all three credit reports. It needs to be deleted off.
Product: Credit card

I filed original complaint on XX/XX/23 complaint ID XXXX You have this as being closed. Yet I did not receive a statement from the bank explaining why I can't get my monies back. Can you look into this? What did you get back to close this complaint?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account continues to show on my credit reportcand should be removed immediately. I have tried to remove this account on 6 or more instances. This account negatively affects my family and we are denied access to credit products. This causes us to be depressed because we want access to the american dream. This account was settled and I was told this would be removed but it still remains on my reports. I ask that this account be verified as accurate or removed immediately. I have sent numerous disputes to include the agreement I had. I ask that first premier provide me with detailed proof of how this has been verified to include contacts or remove this account immediately. The Fair Credit reporting Act states that any information that is listed on my credit report that is inaccurate, outdated or unverifiable must be removed immediately from my credit file. Credit bureaus continue to not follow the law and the CFPB allows them to do so.