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

On XX/XX/2023 I started a new self credit building account with Self. A {$3000.00} self building account with a {$150.00} payment monthly and {$1.00} to start. At the end of the term, Id save {$2900.00}. Seems like a great deal at the time. First payment was {$9.00}, I contacted them and stated that was not was advertised and the fact that I had already started the account, I was bonded by obligations. Second payment was supposed to come out my account ; which the never even attempted to take out according to my bank. I realized it was a ploy to falsely charge me more. I proceeded to make the payment anyways using the save account on file. Third payment, which was due on XX/XX/2023. Again, the money is there, I contacted my bank ahead of time to ensure that thered be no hiccup. Once again, self did the exact same thing. Now despite the fact, {$150.00} has been made.theres only {$37.00} to date of saving. At a rate like that Id be lucky if theres a {$900.00} save at the end of the term ; which they advertised youd save {$2900.00}. Please help ; this is extremely frustrating. Ive been homeless and desperately trying to build my credit to purchase my own home and these companies are deliberately hurting the public. It doesnt matter what time of day you call, theres never a live person to take your call. In the chat, they keep sending to an article as opposed to addressing the issue at hand.
Product: Checking or savings account

On XXXX XXXX my phone was hacked by SIM card swapping @ approximately XXXX XXXX. 

I noticed immediately at XXXX in email account that user name and password were changed for my WellsFargo account. I immediately called them from my daughters phone and made them aware of the situation and not having access to my phone. Wells Fargo had changed the username and password. Much to my surprise at approximately XXXX XX/XX/year> many charges were being made through my account in which I saw being notified by email. My debit card was used numerous times totaling approximately {$5000.00}. 

Wells Fargo did not allow the first XXXX transactions through and then let numerous transactions through How did this happen??? 

I have been a customer of Wells Fargo for over 40 years and much to say I am beyond ANGRY, DISAPPOINTED and SCARED. I only ever use my debit card for groceries and gas and maybe some small purchases. So how in the world was this not stopped!!! I had called 6 hours earlier and explained the situation that I did not have access to my phone. Was this an inside job of WellsFargo? XXXX XXXX was another compromised due to phone take over but they did not allow XXXX cent through. 

The hackers had transferred all money from savings accounts and daughter checking account ( which was linked to mine ) to my checking account and then preceded to use debit card for many purchases to XXXX totaling approximately {$5000.00} why was Wells Fargo security not in place this is not my pattern nor anyone that I know to transfer all money and spend {$1000.00} 's of dollars at XXXX am in the morning!!! 

Wells Fargo also allowed them to do a Cash Advance on a credit card and deposit that money, Which I have never done and don't know how to do. 

WellsFargo did not immediately refund any money which left me days with money for gas, food, etc this is unacceptable when clearly you could tell it was fraud. 

My information now was breached along with my daughters. Where was the security? 

This has caused me extreme XXXX  can not eat or sleep. With my nerves shot. 

I am very disappointed with Wells Fargo
Product: Checking or savings account

I have been investing in Health Savings Accounts since they became law in XXXX. I have built up over 20 years of low cost dividend investments to fund my healthcare needs. Now, HSA bank a division of Webster Bank is forcing us to liquidate our accounts to transfer our investments to them and will not allow us to maintain our current HSA Brokerage accounts. They are doing this to charge us more fees for assets under management that aren't being charged by current HSA brokerages. To force this change and liquidation of our savings is unconscionable since the money in HSAs is supposed to be ours to invest. We should have the choice where to invest as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a call to XXXX about unauthorized credit inquiries on my account. After speaking with Customer Service Rep, XXXX XXXX and then being transferred to Customer Service Supervisor, XXXX XXXX, I was told that there was nothing that they could do on their end without having a Letter of Dispute or Termination on Contract from the listed companies. When reaching out to the various companies they were unauthorized to run a credit check on my behalf, I was more or less told by 2 of the 5 company customer service reps that " Hard Inquiries '' fall off in 2 years and I am approaching that 2 year mark. Of course they worded it in better terms but nonetheless, this is disgraceful hearing from a company as they do not want to own up to their misuse of people 's information and as a result, the only solution that they offer is to " wait it out '' since the 2-year dismissal is approaching. These credit inquiries are affecting my XXXX and FICO scores now but these companies bank off of bad debt and do not want to remove them. The companies are as follows : SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Ran unauthorized inquiry onXX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX, NC XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX Ran unauthorized inquiry on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection agency that post a collection from XXXX that doesnt belong to me has a history of trying to collect fraudulent collections from people. The collection they posted on my account is incorrect, fraudulent. and was already removed two months ago for being so but was placed back on my credit report with a different balance from the last one.
Product: Checking or savings account

On XX/XX/2020 my husband made a cash deposit to our joint account at a Huntington branch atm. The atm took the cash and did not deposit funds stating an error occurred. He called customer service and made a claim and they deposited the {$500.00} cash. Now a month later, XX/XX/2020, the funds were reversed and they adjustment my account and took back the {$500.00}. Please help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent weeks attempting to resolve an issue with Experian. I am a trans person who has changed her name with the Social Security Administration, my state government, my employer ( the Internal Revenue Service ), and my creditors, and I have been fighting to change my name with credit reporting agencies. Currently, they have two accounts associated with my social security number, and my credit history is associated with the account under my XXXX. I can not get them to respond to phone calls or emails. I have no idea if they've even attempted to resolve my problem. My online account under my XXXX  is still active and still shows associated credit information. I can not create an online account under my new name. Experian has not helped me in the slightest.
Product: Money transfer, virtual currency, or money service

I am fighting a complaint against Cash App due to inadequate customer service and u fair practices which violate the Consumer Financial Protection Act. Specifically, cash-app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, Furthermore, their dispute and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I did not authorize these accounts please remove these accounts from my report. Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from EQUIFAX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 

I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and found collections inwhich I do not have any knowledge of and since then been trying to remove such information. And in accordance with the FCRA, such accounts needs to be verified by physical documentation and if not then the accounts should be removed. The following accounts are XXXX XXXX XXXX, XXXX XXXX, 3xs on my Equifax, and XXXX XXXX
Product: Credit card or prepaid card

This is my second time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft from XXXX Data Breach. MY CLAIM NUMBER IS - XXXX. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer they are : ADDRESSES. 
XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I DONT WORK AT EMPLOYER- XXXX XXXX XXXX XXXX XXXX  XXXX I WORK AT XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OPENED XX/XX/2020, {$1400.00}, XXXX XXXX A.- XXXX XXXX {$2900.00} XXXX XXXX {$290.00} XXXX XXXX {$250.00} MAKE SURE THAT MY CREDIT REPORT IS NOT **FROZEN OR LOCKED- NOR HAVE A FRAUD ALERT ON XXXX I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. 

By law, Part of my Compensation approves, XXXX years of specially negotiated, three-bureau credit monitoring and identity protection services through XXXX and an additional six years of one-bureau credit monitoring and identity protection services through Equifax XXXX The XXXX monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( XXXX XXXX  XXXX ). The one-bureau credit monitoring shall be provided separately by Equifax and not paid for from the settlement. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply.
Product: Debt collection

A number ( spoofed as a XXXXarea number but providing a number to call back as XXXX ) called myself, my brother, my dad, my mom, a previous employer, and my ex-boyfriend seeking location information about me. They did not provide any indication as to what they were calling about, and made vague threats towards taking " action '' if they didn't hear back from me directly. Upon checking my call screening service, I found that they have called multiple times from different spoofed numbers all identified back to their same main number of XXXX. 

Not only is it inappropriate for them to have called multiple times over the past week, but they then went about spamming my contacts- whose numbers were never provided to them ( none of my family, work, or my ex were co-signers on any loan or other such legal documents, in fact the sole instance in which my exes number was ever in existence was on my contacts/texts themselves. His number was never once used in any form except to enter into my contacts and call/text him. ) nor are they on the same service, so they would have had to have been acquired illegally - and refused to provide any information as to what they were calling about. 

It took XXXX  their provided number to find out what they even were - Orion Capital Solutions, a company I've never received contact from, and is not in charge of any of my debt- to write this complaint.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX  DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX LAW OFFICES MBA XXXX LAW OFFICES MBA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious LAW OFFICES MBA XXXX  LAW OFFICES MBA XXXX   I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX   XXXX  of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent account in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX XXXX acc # XXXX date opened XX/XX/XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PNC Bank does not allow me to link to my XXXX account so that I can easily facilitate transfers of money between my friends and family.
Product: Credit reporting, credit repair services, or other personal consumer reports

i contact XXXX Trans union, XXXX by mail by phone many times all this negatives should not be on my name i sent the credit Bureaus letters asking them to verify the on my report.the have sent it back stating that everything is verified correctly. my credit report is still showing inaccuracies XXXX U.S.C 1681s-2 AX1 A person shall not fumish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate, i hpe this get remove only XXXX did remove the public record but i still heavy other things its not my trans union did not removed yet, XXXX needs XXXX remove the Public record please XXXX asking CFPB for help again thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. XXXX ... .I have been a victim of Identity Theft and there are fraudulent accounts being reported on my credit reports. This has been an ongoing problem and I have taken all of the proper steps to remove these fraudulent accounts and protect my identity yet I am getting no response or help from either of the XXXX Credit bureaus ... .EXPERIAN XXXX XXXX XXXX XXXX. I have proven that these accounts are fraudulent... .sent in police reports and Identity Theft affidavits... .the privacy laws set forth by the XXXX to protect me the consumer are clear but as you already know... Credit is big business and the Credit bureaus doesn't have the consumer in their best interest per your report the Bureaus break the law blatantly on a regular basis please review the attached documents.
Product: Credit reporting or other personal consumer reports

I have formally disputed, multiple times ( once in XX/XX/XXXX and again in XX/XX/XXXX ), the continued inclusion of a reference to an adverse event that occurred over XXXX  years ago on my Experian credit report. 

The details of the disputed item, which pertains to an account with the original creditor XXXX XXXX XXXX XXXX ( XXXX ), with the account number : XXXX, are as follows : In XXXX of XXXX, my vehicle was repossessed. The day it was repossessed I called the company and paid the fees, and it was reinstated. The late payments that correspond with the repossession are no longer listed because it has been over XXXX  years ; however, there is still a reference to it on my credit report in the comments section which states : " Redeemed or reinstated repossession ''. In accordance with the Federal Fair Credit Reporting Act ( FCRA ), the credit reporting time-period for this adverse event has expired, and there should no longer be any reference to it on my credit report. 

Additionally, In XX/XX/XXXX, I also opened a dispute with the creditor, XXXX, and received a letter from them ( which I have attached as evidence ) stating that their research indicates the repossession status on the account should be removed and that they had sent an electronic request to the credit reporting agencies to remove it. 

As of early XXXX, Experian had not removed the comment, which prompted my second dispute with them. In my second dispute with Experian, I included the letter from XXXX stating that they agree the comment should be removed. Within days, my dispute was updated by an Experian specialist with the comment, SEND ITEM ALREADY MATCHES THE DISPUTE REQUEST, and my dispute was closed without the removal of the comment. 

The ongoing presence of this outdated information on my credit report, not only negatively impacts my creditworthiness, its also in direct violation of the FCRA and should be removed immediately.
Product: Credit reporting or other personal consumer reports

Reporting incorrect information on my credit report as well as fraudulent information such as payment history, account opening dates, account paying dates, and unauthorized reporting. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801. 15 USC 1681 section 604 ( a ) section ( 2 ) ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Equifax, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 15 USC 6802 ( b ) ( c ) " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Im opting out of any and all monthly reports as they did not have my authorization to report. According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently found out I am the victim of Identity theft i have notified all credit bureaus and parties involved my personal information has been compromised and sense this has happen I received items on my compromise that have even been compromised or been placed on my account with my permission
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I received my credit report and seen there was some outdated personal information, such as past addresses on my Experian credit report. I have sent out two letter before to get this information removed to no avail.