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

Discover bank hired XXXX XXXX to collect a debt. I never signed a contract for my information to be shared with anyone. They have not provided me with a contract. They also admitted to hiring the third party agency without my consent or knowledge which under 15 USC 1681b is prohibited. They also stated they went through XXXX which my XXXX has been frozen since 2021. What they are doing is fraudulent and Idenity theft. I would like Discover to provide me proof that I agreed for my Information to be shared or sold to a third party XXXX XXXX  How did they verify on XXXX when I opted out in 2021 of XXXX.
Product: Mortgage

On the XXXX of XX/XX/2021, I applied to NewDay USA to refinance my home and take advantage of the equity I have available to me. However, I found out today, XXXX XX/XX/2021, that the underwriters were not willing to approve my loan application. Im currently using XXXX XXXX as my mortgage lender, and have been perfectly happy, but after seeing ads for NewDay online and in mailings, I decided to pursue things with them. I gave XXXX XXXX XXXX my account executive ) all of the information to proceed - paystubs, W2s, VA eligibility documentation - the whole kit and kaboodle. The plan was to refinance for 30 years, and pay off a significant amount of credit card debt. But because I took advantage of COVID relief programs legally available to me, and subsequently doing a loan modification, NewDay declined to have me as a customer. 

What is morally and utterly reprehensible is that someone who ( along with millions of others ) didnt know what COVID was going to do for their livelihoods and careers/jobs, partook in the generosity of their lender to take part in a forbearance option. I was in forbearance for 6 months, and at the end, took part in a trial modification for three months, which led to my current loan. But because NewDay didnt like the fact I did all of those things - all of which any smart person would do in times of uncertainty - they opted not to continue with the processing of the loan. 

NewDay and its underwriters need to change their practices to not look negatively at someone making the right decision for them when it comes to their home. Ive never missed a payment, and have always treated XXXX XXXX XXXX XXXX XXXX  right, but NewDay didnt view it that way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My self XXXX XXXX XXXX SOCIAL ending with XXXX. Date of birth is XXXX XX/XX/XXXX. 
There is showing XXXX XXXX XXXXXXXX credit card account on my Social number. but I never applied for XXXX credit card. 
I was not in united states from XXXX XXXX to XX/XX/XXXX. 
I just checked my credit report and I came to know that there is XXXX XXXXXXXX account is open. 
I would like to remove that activity from my account because it is affecting my credit score and company 's credit.
Product: Money transfer, virtual currency, or money service

I am writing to share the devastating experience Ive been going through as a result of a data breach and fraud that has completely ruined my financial stability. What started as an unfortunate event has turned into a nightmare that has affected my entire life, and Im struggling to recover from it.

In [ month/year ], I discovered that a significant amount of money had been drained from my Cash App account, followed by fraudulent charges made using my linked bank account. The fraudsters didnt just steal my moneythey used my bank account to place orders, make purchases, and even initiate transactions I never authorized. The first incident occurred on [ date ], when I saw a series of unauthorized transactions totaling [ amount ]. I immediately reported this to my bank, XXXX, hoping they would resolve the issue quickly. However, what happened next was even more heartbreaking and frustrating. 

Instead of offering support or investigating the fraud, the bank dismissed my claims and told me that it was my fault for not securing my account properly. They then closed my bank account, leaving me in financial chaos and with no access to my funds. I was told that they couldnt help me further, despite clear evidence that my account had been compromised. It was as if I didnt matterno empathy, no understanding of how serious identity theft can be. 

This has caused me untold stress and emotional turmoil. Not only have I lost thousands of dollars, but my trust in the banking system has been completely shattered. The fraudsters continue to run rampant with my financial information, and now I am left struggling to rebuild my credit and my life. My credit score has plummeted, and I am paying out-of-pocket for credit monitoring services just to stop the bleeding.

This whole experience has turned my life upside down. I feel powerless and betrayed, as I did everything rightreporting the fraud to the bank immediately, securing my accounts, and following up repeatedly. Yet, I was met with nothing but excuses and blame. Im left to deal with the consequences of this fraud on my own, and its completely overwhelming.
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 XXXX XXXX XXXX. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN
Product: Credit reporting, credit repair services, or other personal consumer reports

Basically my XXXX XXXX had custody of me and had access to my social security number my first issue occurred when I was trying open a bank account and they wouldnt let me open a regular one they said I had to open a prepaid bank account and my second issue was when I was trying file my taxes and afterwards it took me to credit karma and I couldnt make an account because it was already one made with my social security number and when I tried to reset it was my XXXX XXXX XXXX name as a email and I also was told somebody in Florida has an id in my name with their picture
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a hard inquiry after applying for a credit card with XXXX on XX/XX/2020. I am a victim of identity theft and did not give permission for these assumed credit reporting agencies to have access to my information. Under 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Please have this inquiry removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX CO ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX  ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX BANK XXXX XXXX Account # XXXX, DEPT of ED/XXXX  ; Account # XXXX, XXXX XXXX ; Account XXXX XXXX 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 a account without my written instructions
Product: Money transfer, virtual currency, or money service

Im writing because of an ongoing urgent issue on my Capital One account. I ordered a cashiers check in the amount of {$7100.00} ( posted on XX/XX/21 ). We were tracking XXXX for the delivery and saw that the status of the cashiers check read delivered yet it wasnt at our location. We contacted XXXX and they stated that they will urgently GPS track driver and reach out to him. We also reached out to Capital One and notified the representative on the same day ( XX/XX/21 ), who stated they can not place a stop payment on the check without a notarized affidavit and to instead reach out to XXXX ( which we were already in the process of reaching driver ). So per capital one no stop payment could be done. The XXXX driver on the same day came back to our home with the envelope from Capital One and apologized for the confusion. Please note, per your website delivery of a cashiers check requires signature, however, per your agent, they no longer require this due to covid. 

Finally, we delivered the cashier check to XXXX XXXX for a car purchase. A few days later, XXXX sent us an image of his check coming back as fraudulent/altered. We immediately contacted Capital One who stated a stop was placed on the check at our request ( we did not fill out a notarized affidavit nor were we told this could be done ). We asked the rep to unstop the check ( they stated this has never been done ). They stated they will reach out to their escalation team that can only be reached via email and they will call back in the next few days. We called back numerous times over the next few days with the same response. The car seller, however, could not wait days for a car that we already had so we then had to write a separate check to him. 

Please assist with this urgent issue. We called back and told multiple reps that since we havent heard back from capital one at all to not unstop check and send an affidavit. Last week we were advised this would be sent via email in 3-5 business days yet no email was sent to us. No representatives have been helpful, we have received no help whatsoever for an issue that was a Capital One error. We would like a refund ASAP as this experience has left us with so much stress and an incredibly frustrating experience dealing with lack of care from everyone we have spoken to so far. We have reached out every possible way and the only answer ever given is, " We will have to escalate this and have someone return your call ''. This has never happened.
Product: Credit card

I have tried disputing a transaction for {$250.00} with PayPal Mastercard at Synchrony Bank. PayPal has been unhelpful and not addressing my concerns. They have not sent out any letters or communications to address my dispute. They rejected my dispute without notifying me. I have tried reaching out to PayPal over and over, but their customer service has been unhelpful and has provided me with factually incorrect information. After inquiring about my dispute, PayPal asked me to send them evidence to support my dispute. They refused to receive the evidence ( e.g., photos ) electronically. After I shipped them the photos, printed in color, PayPal confirmed receipt. But now PayPal is claiming they're having difficulty viewing the images because their scanners were able to scan the photos in black-and-white. 

Moreover, after filing a dispute five separate times, PayPal customer service could not locate any of my disputes.
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 Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Never received any communication from this company that a medical bill was forwarded to them without my permission. I never gave them permission or signed a document which allowed them to receive my personal information
Product: Checking or savings account

Hello- I filed a claim with BMO earlier this year for three fraudulent transactions via CFPB. They refunded one and said that they would file a good faith claim for the other two as it was out of the 60 day window. 
I have called several times since then seeking assistance for the other two claims and have been sent incorrect information or hung up on. 

Recently they provided an email address : XXXX. I sent an email and never heard back. 

This morning I called twice and was disconnected both times while the person was trying to look up information. 

This issue started in XXXX of this year and I have yet to be able to finish a transaction with the customer service center. I would like the other two transactions refunded to my account so that I can move the money and go with another bank. 

I've also had issues unfreezing my account. I've been told to go to a branch- I have none in my area which I've stated numerous times. This is also an online banking account, so the branch should not matter. Now they are asking me to upload my social security card to a portal. This is the first time a bank has ever asked for this and given I already have an account with them, it seems unnecessary.
Product: Credit reporting or other personal consumer reports

I keep trying to reach Experian about the information they are showing for XXXX and XXXX. What is displayed for the XXXX score according to Experian in regards to XXXX and XXXX are very different. Experian shows a score of XXXX for XXXX but XXXX shows a score of XXXX ; They show XXXX as XXXX but XXXX shows XXXX. Experian also shows both as either fair or poor payment history for XXXX XXXX respectively, However, XXXX has a recent dispute letter from XXXX showing a positive payment history as does XXXX. So, where is Experian getting this information and why haven't they updated anything in months? 


I can't get thru to anyone to find out
Product: Checking or savings account

On XX/XX/XXXX, my XXXX account was compromised and was used to send money to a person in the XXXX XXXX that I do not know. {$240.00} was taken from my Chime Checking account by this person and was an unauthorized transaction. I contacted Chime and XXXX support immediately after this happened. Several attempts at transactions from this person were made for dollar amounts I did not have and my guess is they kept lowering the number until it reached what I had in my account. The transaction with the unauthorized person was done pending and was settled in my Chime account on the XXXX. I sent a report to XXXX and Chime regarding this unauthorized purchase. XXXX stepped aside in the situation to let Chime investigate. As of XX/XX/XXXX, Chime has ruled against me and is not getting me my money back even though it was absolutely not a transaction I authorized. I then filed to appeal the investigation but almost immediately told me the case was settled. I am shocked and appalled that my bank would choose to side with a criminal over a loyal customer.
Product: Credit reporting or other personal consumer reports

discover states account was charged off for {$4200.00} on XX/XX/XXXX disreguarding a lup sum payment of {$4000.00} made XX/XX/XXXX, data reporter refuses to list the payment in credit report after more than XXXX disputes filed thru Experian reporting service. copy of receipt for the {$4000.00} payment was downloaded with dispute, yet file has not been corrected as of XX/XX/XXXX results of dispute have not changed since first fileing dispute XX/XX/XXXX, Data reporter still states {$4200.00} write of knowing that is incorrect write of amount as of XX/XX/XXXX is {$190.00} that will be paid once credit for the {$4000.00} payment is listed and dispute is corrected or file removed for being incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted two separate disputes to Experian who have continued to report 2 chargeoffs with information reporting as late on my credit report with a balance. I included court documents showing that these balances were discharged several years ago yet they refuse to update the information. This is negatively affecting my credit score which I have been working to improve. 

I sent in certified letters to Experian who did not respond in the allotted 30 days.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card

I was induced to switch from a no fee card to a fee based card upon the promise that I would be eligible for a promotional offer, which included awarding me XXXX airline miles if I spent {$3000.00} within the first three months of having the card. I satisfied the terms of the offer but the credit card company, Citi, is not honoring their promises to me. In fact, I called them several time about this and they originally said that they would review the call I had with the sales representative and honor their promise if that is what they told me. Later, they changed their mind and stated they would only make a decision about whether or not they would honor the promise that induced me to switch after I spent the {$3000.00} and qualified. I did as they asked and spent the {$3000.00} and then they said that they decided to not provide me the bonus points. Their actions were fraudulent and misleading. It caused me to forgo other offers and not use cards with better rewards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/2022 XXXX This doesn't belong to me. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect
Product: Debt collection

Received a letter in the mail regarding an amount from a hospital visit recently. I called the agency directly and ask for further details of the debt. They wanted me to verify who I am by asking for sensitive information. I did not comply and asked them to simply send me the details of the supposedly debt so I can verify it with the hospital. Also I called the hospital directly to verify the debt and they did not find such debt on their records. They refused to work with me not provide any details. I called a second time with no results. I emailed the company and received no reply. At this point I believe they are fraudulent. 

Their information is below ; certified credit and collection ( certifiedccb.com )
Product: Debt collection

This card was paid off in XX/XX/2014 and then someone used it and made fraudulent charges on it then defaulted on it I am part of the XXXX data breach.i am not responsible for this.