23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I received an email titled " security alert '' saying that someone used my Paypal account, and I have a balance to be paid. My PayPal account has been frozen for four years, as I am paying it off. The email came from ; XXXX. My social security identity has been stolen, I discovered recently. I don't know if this is related, but this is just an fyi. They are attempting to get me to pay for XXXX XXXX XXXX in the amount of XXXX. This may be an attempt to get me to open an attachment sent with the email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Product: Debt collection

The law firm XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - Collection company suing me wrongfully for an alleged fradulent debt in the amount of {$600.00}. I do not owe this alleged debt to any company. I have tried to validate this debt with the plaintiff 's office after receiving the court notice ; however, I was unsuccessful in reaching anyone from his/her office to discuss the case in detail or request for verification of the debt. I need the actual creditor name and address, the date the alleged account was opened, the contract agreement, the date of the alleged account first defaulted, the date ( s ), and a copy of the collection letter ( if any ) was mailed, etc. At this time, I do not have anything from this law firm ( collection company ) other than pay this debt by them using a court notice, which I disagree with.
Product: Debt collection

Someone keeps calling all my family & friends, but never me from XXXX giving a case # claiming theyre a courier. First saying I had to take care of it before the court date, then saying theyd be picking me up, then that theyd take my sister in laws land. I did call & it said NCB Management when they answered. I gave case # & was hung up on. Another time I called & it said Legal Dept. & to leave a message. I didnt. A few days after the first few calls I did get a letter from NCB stating that my information had been compromised. Therefore I do believe its a scam. Its getting to be harassment because theyre calling so many people claiming they done a background check on me & found their name. Of course they get worried hearing theyll be picking me up tonight & that theyll lose their land.
Product: Checking or savings account

I made a significant deposit during the period to my account, which should have resulted in the monthly fee being waived. However I am being told since I withdrew part of it soon after that it does not qualify and I was charged a monthly fee ( on top of a variety of other fees I already had to pay this month for accessing and transferring the money ).
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Equifax, XXXX XXXX, XXXX XXXX  are all in willful violation of FCRA 1681N due to discrimination practices and failing to closely monitor identity theft. I informed all of possible identity theft and three times my wallet was stolen with all my information including bank account numbers and social security cards. I reported this information to the above stated names but nothing was done. A fraudulent company requested my information to the above said names and not only did the companies above provide my information, the fraudulent company ( XXXX  XXXX XXXX XXXX ) accessed my account and added themselves as my place of employment.15 USC 1681B I did not get paid by the company and they have access to all my information. XXXX behavioral health was also added right afterwards as my place of employment. I have security freeze on all three credit bureaus but other places of employment still accessed information. XXXX continues to charge me XXXX for being a member but I did not sign up for anything to be charged. I have so many hard inquiries from a dealership sending out multiple request for credit on my account. They also provide false information. My privacy rights have been violated and I demand something be done or I will start lawsuit. 18 USC 1028 please advise or assist.
Product: Credit card

My phone was stolen in early XXXX during vacation, and with that, the thieves gained access to both my XXXX XXXX XXXX bank account and my XXXXXXXX XXXX - which was connected to my Chase Sapphire Reserve Card. My XXXX XXXXXXXX XXXX accounts were emptied and the thieves ran up charges on my Chase card through XXXX XXXX. Initially, Chase refunded the money and now, 10 weeks later, have put the charges back on. I called Chase and was told my claim has been denied because I continued to use XXXX XXXX on my new phone in the following days. I explained to Chase that the original customer service representative I spoke with at Chase when I called to report Fraud was the one who helped me get a new Chase card set up through XXXX XXXX  so that I could have access to my new account immediately - since my XXXX XXXX XXXX account was frozen and I was still traveling at the moment. 

I put a freeze on my credit through the major reporting agencies immediately after I found out what had happened, and also filed a claim with the FTC. This was all done within a few days of realizing my accounts had been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the guidelines provided by the Consumer Financial Protection Bureau ( CFPB ), the requisite documents include a valid photo ID, a recent utility bill, and a letter from an advocacy organization assisting me with debt related to XXXX XXXX, as defined under the Trafficking-Debt Final Rule, specifically sections 1002.142 ( b ) ( 4 ) and 1002.142 ( b ) ( 7 ).

I respectfully request that this information be removed from my credit report within four business days, as mandated by Section 605C of the Fair Credit Reporting Act. I have submitted my identification and the documentation requested from the list of acceptable items, fulfilling the requirement of only two items as stipulated by law. Additionally, I have provided all necessary documentation, including a victim determination letter in accordance with Section 1002.142 ( b ) ( 6 ). 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX AXXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following 8 companies : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Amount : {$730.00} XXXX. XXXX XXXX XXXX. # XXXX Amount : {$670.00} has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I have exhaustively attempted to get this matter resolved and I keep getting conflicting information about this debt. I never received Debt Validation for this debt by mail as I requested I only received an email with confusing information. also I received and email from XXXX  also known as XXXX on XX/XX/year> from an employee of XXXX  named XXXX XXXX saying that they no longer own this debt and it was sold to a third party XXXX XXXX on XX/XX/XXXX XXXX yet they are still reporting false information to the credit bureaus and are in violation of the Fair Debt Collection Practices Act I have attached emails in PDF form.
Product: Debt collection

contacted Credit Card Company like Capital One account balance was XXXX but due to late fees it is in collections for XXXX. I contacted Capital One back in XX/XX/2015 stating that i was on XXXX and wanted to know how to pay on the credit card account without it being declared late or charged off. Never received a response in regards to the situation. then started receiving calls stating that they would take me to court. Capital One actually filed a small claims complaint that i was unable to attend due to XXXX.
Product: Mortgage

I applied for a modification on XX/XX/2018. On XX/XX/XXXX I was turned down saying I had no income for a loan modification. This was incorrect. I provided full income. They also said I had almost XXXX in expense. This was not true my expense is /was XXXX .All of this was put in properly with documentation. I am an older woman afraid of losing my home.
Product: Credit reporting or other personal consumer reports

Credit reporting agency didn't delete XXXX XXXX XXXX  off my account.

Not only did they take over 30 days they did not completely verify it that the account was mine nor did they send me the results I requested per law 15 U.S. Code 1681i ( 6 ) ( iii ) Notice of results of reinvestigation a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ;
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

On XX/XX/year>, I made a payment from my bank account to American Express of {$2000.00}. I have contacted American Express multiple times about the payment, but they claim they do not have the payment on file in their system. I have tried to make numerous disputes, but I have made no progress with the American Express seeing my payment on record. I have contacted my bank and looked through my statements, and they confirmed that I sent the money to American Express on the date that American Express claimed that I didnt. I opened disputes with them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, And all were closed Without contacting me for more information.
Product: Mortgage

Freedom mortgage is actively trying to con a XXXX person out of their home based on its market value and current equity Have reached out to local news regarding the entire situation We applied for forbearance 6 months ago or more due to hurricane idalia damages home has been and still is not livable they never got us approved no explanation not even a hey you weren't approved communication several managers have been contacted saying oh we'll get it fixed but they never have now i'm getting default letters for a home i've spent the last 6 months investing over $ XXXX in personal funds in repairs and can't live in the home.
Product: Money transfer, virtual currency, or money service

I put a withdrawal order and it has to get to be completed
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit bureaus after I purchased a credit report with XXXX on XX/XX/XXXX and XXXX XXXX om XX/XX/XXXX. After receiving a copy of my report, I saw the UNVERIFIABLE item on my personal profile, I noticed that there was erroneous item on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that this account will be updated. 

XXXX XXXX XXXX XXXXXXXX Date Opened XXXX XXXX, XXXX Balance {$5700.00}
Product: Checking or savings account

I opened an account with BMO in early XXXX, XXXX after receiving a marketing promotion in the mail with a bonus for opening an account. I was in the market for a new local bank and the marketing worked. 
-On XX/XX/XXXX I deposited a check which was my paycheck from my work, the amount was {$1100.00}. This was a mobile deposit using the BMO banking mobile app. I had also deposited {$200.00} in the checking account via electronic transfer from my existing/previous bank account outside of BMO. 
XXXX XX/XX/XXXX when checking my account I noticed that I was locked out of my online banking accountwhen logging on the BMO site said my credentials or password were incorrect, and to reset my password. The reset password flow did not work and I was still locked out of the account. 
-On XX/XX/XXXX I visited a BMO branch bank in XXXX to regain access to my account. 
-After getting mobile banking access reestablished, I noticed that I could see the balances of my account but was unable to move money between the BMO checking and savings accounts. 
-I called customer service on XX/XX/XXXX and was told that my account was under investigation for fraudulent activity. After multiple calls I was told that the XX/XX/XXXX paycheck was suspected of being fraudulent. I asked for more information on this but was not given any. 
-I asked the fraud department to have a manager call me about the issue, I was told this would happen but it still has not as of XX/XX/XXXX. 
-I was told that the investigation by the fraud department would take up to 14 business days, however on XX/XX/XXXX a Customer Service Representative from BMO stated that my account would be closed after the investigation, and that a cashiers check would be mailed to me at some point after that ( potentially in XX/XX/XXXX ). 
-I asked for information in writing regarding the status of my account and further information in writing when the status of my account was updated or resolved. I have still not received any information in writing as of XX/XX/XXXX. 
-I have been working for my current employer since XX/XX/XXXX, and have deposited or direct deposited all of my previous paychecks to my existing/previous checking account WITHOUT ISSUE. 
-I contacted my employer HR and they confirmed that BMO has drawn the money from that XX/XX/XXXX paycheck as of XX/XX/XXXX. 
-I am distressed that my money has been taken and frozen by BMO with little information and no updates about the status of the investigation, and further, that when I have requested information from managers that these requests have been verbally confirmed, but not resulted in any calls or updates. 
-I have spent over 4 hours on hold on the phone, and visiting the branch in person, in regards to this account frozen issue. 
-I have paystubs and bank statements showing my previous paychecks from my employer.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I contacted Nations Direct mortgage about a hardship we were experiencing. I was told to fill out an application and send it in. I quickly got an email right away to fill out the forms. I contacted them the next day to have them explain what the forms were for and how it worked. I was told that once the application was accepted, we would not be at risk for foreclosure, late fees, or being reported to the credit bureaus. I asked for something in writing at that time and was told it would come in the mail in the documents I received once our application was complete. When I received the letter in the mail saying the application was complete there was nothing in there about late fees or credit reporting, only about the foreclosure. 
After my application was fully turned in and complete I contacted the loss mitigation department. I called on XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was trying to get verification in writing that the account would not be reported and I talked to a few people who assured me it would not, one person was going to send me an email with the information but our call was cut off and when I called back the next person said that it was not guaranteed not to be reported but could not give me a definite answer on the negative either. I asked for something in writing stating it would be reported and was unable to get that either. I eventually got someone who stated that it will likely get reported and I explained the situation. She told me that due to the information I was given that if it did end up getting reported to contact the research department to have them adjust and correct it so that it does not report. 
In late XXXX is when I noticed that it had reported to the credit bureaus and contacted the research department only to be told that they would not change it because at least one person told me that it might be reported they were going to keep it as is. We entered into a forbearance as of XX/XX/XXXX and so I contacted them again once that was official and stated again, that we were now in a forbearance from the application that was deemed complete as of XX/XX/XXXX, prior to any late payment, and we would like the adjustment made. They explained that it would not be adjusted as the forbearance was only from XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681, which mandates a reasonable investigation of disputes. Furthermore, TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$4700.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX  XXXX {$1300.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this tem from my credit report. XXXX XXXX XXXX {$10000.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX XXXX {$3100.00}, I have spoke with creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX XXXX {$57000.00}, I have spoke with the creditor and filed an identity the report and they refuse to remove this item from my credit report. Indiana XXXX XXXX XXXX XX/XX/XXXX {$790.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XX/XX/XXXX {$310.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX XXXX XX/XX/XXXX, I have spoke with creditor and filed an identity theft report and they refuse to remove this item from my credit report.