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

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

A new collection agency, XXXX XXXX, XXXX has begun reporting an old account that should be removed from our credit reports due to the statute of limitations having expired. this account is from an old mortgage that was opened in XX/XX/XXXX and was in default XX/XX/XXXX when we entered negotiations to attempt to get a mortgage modification. The last payment was in XX/XX/XXXX and the collection agency is reporting that a payment was made in XX/XX/XXXX. This is inaccurate since the modification was denied and our home was foreclosed and sold XX/XX/XXXX. After which we filed for XXXX XXXX bankruptcy and this account was listed, however, the creditor charged off the debt and did not file a proof of claim and surrendered their right to collect. I believe some one has falsified some of the dates and details in an attempt to illegally re-aged the account. No mention of this account has ever been reported on my credit reports until XX/XX/XXXX and no it has suddenly appeared as a current and active collection consequently damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX SS # : XXXX Re : Account Number : XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I am writing to dispute the validity of the account that has been reported on my credit report. The account is question is a charged-off account that has been reported by I am disputing this account based on violations of the Metro 2 credit guildlines. According to these guidelines, a charges off account should be reported accurately and fairly, and any inaccuracies or violations of these guidelines may result in the account being removed from my credit report. 
After reviewing my credit report and the information provided by. I have found several violations of the Metro 2 guidelines. These violations include : 1. Last Activity Date inconsistant across Credit Bureau 2. Term Type Source inconsistant across Credit Bureau 3. Status inconsistant across Credit Bureau 4. Comments inconsistant across Credit Bureau 5. Account Details inconsistant across Credit Bureau 6. Payment History inconsistant across Credit Bureau Based on these violations, I request that you remove this account from my credit report. I have already contacted requested that they remove the account, they refused to do so. I have also included a copy of my previous dispute and letter for your reference. 
Please investigate this matter and remove the account from my credit report if you find that it has been reported inacurrately or in violation of the Metro 2 guidelines. 
Thank you for your attention to this matter. Sincerly,
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. 
Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft CITIZNSONE Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/CITIZENS Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Vehicle loan or lease

Payment was reported 30 days late. This was due to COVID-19.  Furthermore, A payment arrangement was set up for a majority of the due amount so they were not supposed to report it late. because they put me on a payment plan due to covid
Product: Debt collection

Debt Collector has placed a debt against me that is not my debt. This has been going on for years and has ruined my credit. They refused to delete this unknown debt and I have no idea where this came from. 

JEFFERSON CAPITAL SYST Account XXXX Account info Account name JEFFERSON CAPITAL SYSTEMS Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$270.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$270.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$270.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection I have been with XXXX XXXX XXXX for years. 

Please help me remove this.
Product: Money transfer, virtual currency, or money service

i am filing a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices which violates the customer financial protection act ( CFPA ). 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 resolution process was unfair and deceptive, as they didnt comply with the 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: Credit card or prepaid card

As an American citizen, tax payer, voter, customer, consumer, active participant of the community, and one who served our country in the military through the United States Coast Guard, it is deeply concerning to me, when large national banks which receive significant forms of government support and benefits, use their market power to manage social policy by withholding access to credit to customers and companies they disfavor. I am referring to us members of the XXXX XXXX XXXX ( XXXX ),  and us law abiding citizens who strongly believe in the Second Amendment of the US Constitution, ... the right of the people to keep and bear Arms, shall not be infringed.. Who are the banks to make public policy and knowingly target our rights? That is not their role, and is a form of discrimination and intimidation. Please act swiftly and decisively against such banks, ( Citibank being one of them ), to make them accountable and align themselves with the US Constitution. Thanks so much.
Product: Credit reporting or other personal consumer reports

I am writing

to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on m
y credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Checking or savings account

Subject : Complaint Regarding Unclear CD Auto-Renewal Practices and Unjust Penalty To Whom It XXXX Concern, I am writing to formally address my dissatisfaction regarding the {$270.00} penalty charged when I closed my Certificate of Deposit ( CD ) with Marcus by Goldman Sachs . This penalty was imposed following an automatic renewal of my CD that I neither consented to nor was properly informed about. 

Details of the Issue : Original CD Maturity end Date : XX/XX/year> CD Auto Renewal : XX/XX/year> XX/XX/year> Date of Closure : XX/XX/year> Penalty Amount : {$270.00} On XX/XX/year> I received unexpected XXXX emails from XXXX that congratulations me for my CD renewal which I did not aware of and did not content to. On XX/XX/year>, I did not receive any notification that the CD had matured or that it had been renewed. This lack of timely communication further deprived me of the opportunity to take action during the grace period.

When I realized the CD had been automatically renewed, I contacted Marcus support immediately and escalated the issue to a supervisor. Desp
ite an extended conversation and my clear explanation of the misunderstanding, no resolution was provided. This morning, I was very surprised to receive three emails confirming the renewal decision, adding further frustration to an already mishandled situation.

Issues With Marcus ' Policies and Practices : 1. Unclear and Misleading Communication : No notification was sent on XX/XX/year>, when the XXXX matured, leaving me unaware that my funds were locked into a new term.

2. Lack of Consent for Renewal : I never agreed to or opted into an automatic renewal policy. Marcus ' unilateral decision to lock my funds into another 6-month term without my approval constitutes a hidden agreement and lacks fairness. 

XXXX. Unjust Penalty : Charging me {$270.00} for closing a CD I did not consent to renew is both excessive and unreasonable. I acted in good faith to resolve this misunderstanding, yet no courtesy waiver was offered despite my loyalty as a customer.

4. Inadequate Customer Support : Marcus failed to provide meaningful assistance during my interactions with support and the supervisor. Instead of addressing the underlying issue, I was repeatedly told the penalty was in the statement, which does not excuse the lack of proactive communication.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, XXXX XXXX XXXX agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of auto loan XXXX XXXX XXXX # XXXX, student loan DEPT OF EDUC XXXX # XXXX, DEPT OF EDUC XXXX # XXXX, XXXX  XXXX # XXXX. XXXX  # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 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 15 USC 1681, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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: Checking or savings account

On XX/XX/XXXX I reported to bank of america that I have a lot of charges from XXXX that sent from me because I have n't taken XXXX since XX/XX/XXXX and I sparingly take XXXX unless I 've been drinking and i rarely do that. I lost my phone XX/XX/XXXX and did n't have one until XX/XX/XXXX so I was forced to use my XXXX. The claims department on XXXX XXXX told me to reach out to the merchant and handle the issue first. I proceeded to have 300+ emails back an forth for 2 weeks. XXXX even telling me on XX/XX/XXXX that I would be refunded and XX/XX/XXXX still nothing and received a follow up email telling me to dispute the charges through my bank. So on XXXXXX/XX/XXXX finally filed the claim. On XX/XX/XXXX my claim is denied and told if I wanted to reopen my claim i would need to submit supporting documents. I asked why was n't I asked this before you closed my claim. They specifically state if they needed any information they would ask. So on XX/XX/XXXX they denied my claim and on XX/XX/XXXX I submitted 11 pages of documents supporting my claim. They officially reopened my claim on XX/XX/XXXX. Meanwhile I am sleeping in my car waiting for them to provide provisional credit because I 'm broke and have no money. They put in a hardship review XX/XX/XXXX. I repeatedly called they told me they did n't have to provide provisional credit because the claim was denied. I questioned why Was my claim denied without first requesting evidence like I was told they would. XX/XX/XXXX they denied my claim again. They stated I logged in to my online banking from a mobile device which was my XXXX but did n't give me any more info. I reported these charges promptly and was told to contact merchant. There were 15-20 XXXX charges A day. There were over a 1000 dollars in a 10 day span of XXXX charges. They did n't even bother to file my XXXX claim. They completely just disregard my claims when I have provided supporting evidence of not only receipt of stolen device but also my attempts to reach out to merchant 300+ times.
Product: Credit reporting, credit repair services, or other personal consumer reports

i had a loan with XXXX XXXX acct # XXXX in XXXX of XXXX  i caught XXXX, i was in XXXX  for XXXX months before comming home. i was home for another XXXX months. trying to recover. i didnt return to work till XXXX of XXXX i always made company aware of situation.i made arrangements for settlement on account ahich they agreed.but they reported negative marks on my report. according to cares actsigned XX/XX/2020. if furnisher makes accomdation because you were affected by covid 19 during covered period. that lender must report account as current to credit reporting agency, clearly this was not done
Product: Mortgage

4 to 5 months ago, I filed for loss mitigation on my mortgage and never receive any letter that show either they approved it or denied it from Shellpoint mortgage, and they put my house on foreclosure while I was out of town without any notice, and the house got foreclosed and took over by bank on XX/XX/year>, and I was forced to move out three weeks after and me and my XXXX XXXX XXXX XXXX had been homeless since then, Please I want this department to help me look into this matter and let me know what kind of help I can get. 
Thank you
Product: Payday loan, title loan, or personal loan

I have tried numerous of times to get in touch with this company they leave you on hold for more than XXXX minutes the customer-service is very rude then they say they can not help me. I need to stop XXXX Authorisation with this company. I will pay by money order. The customer service is the worst and i read bad reviews about their customers service.
Product: Credit reporting or other personal consumer reports

I called Experian to get my credit report on XXXX XXXX XXXX. And after receiving it, I noticed there were some hard inquiries that do not have permissible purpose according to 15 USC 1681b, I also attached my credit report and letter showing that Experian is in violation of the FCRA.
Product: Mortgage

See attached reply that never resulted in obligated error corrections to inaccurate highly damaging false claims of late payments and in damaging false claims of amounts received to pay for a false claim of XXXX late fee payments after the sale of my home. This complaint is not duplicative, and is causing me financial and legal damages currently as of XX/XX/XXXX.
Product: Checking or savings account

I have had a Wells Fargo checking account for several years without any problem. Because I have been a victim of identity theft and people opening credit cards in my name and using it and because I was moving to another state, I sold my personal possessions on XXXX XXXX  to help finance my move home. I sold a personal possession of mine and she paid with a. Counterfeit check of {$3000.00} for me to mobile deposit. I obviously did not get the check and lost the item I was selling for nothing. When I tried to mobile deposit it at Wells Fargo, it accepted it, then processed it, then denied it. The bank automatically closed their business relationship with after being a loyal customer. Including locking me out of my checking account and credit card account that had money on it. When I filed a FTC affidavit and police report, they didnt help at all and still charged me insufficient fees. They continued to let recurring payments go through even though I had shut off transactions. When I tried to dispute transactions, they automatically denied them. They opened credit card accounts in my name and did not help at all when my id was stolen.
Product: Checking or savings account

XX/XX/XXXX-my account was froze and I was instructed by a customer service specialist to go into branch to complete a SSA89 form. I went into the branch to do so and the branch manager told me he did not know why I was instructed to do so my account was being closed and I could not access my money, then I was instructed to go to another branch on Monday XX/XX/XXXX ( I spoke with at least 3 customer service specialists ) XX/XX/XXXX-I went to another branch completed a SSA89 form as instructed and was told my account would be unfroze on XX/XX/XXXX XX/XX/XXXX-My account is still froze and I was told I did not need to complete the friendship it was required for my spouse who already completed the form when added to account on XX/XX/XXXX. I was instructed by 2 supervisors that I could remove my spouse from account, went to branch they said he needed to remove himself, he tried to remove himself just for them to say they couldnt remove him because the account is restricted. They waited until XX/XX/XXXX release my earned wages which I still couldnt access and then they decided to do an override to withdraw my funds from my account. Then I was instructed to open a new bank account because they can not remove my spouse from account. 

XX/XX/XXXX-My account has a XXXX balance although my child support payment should have cleared as of today XX/XX/XXXX as an EFT was sent to checking account on XX/XX/XXXX The whole process with Chase Bank has been a nightmare . Ive had my account with them since XX/XX/XXXX and I have never went through this with any bank I have ever held. They should not be able to give out false information and their employees are clearly not trained properly! Everyone I spoke with have all said different things and this experience has put a lot of stress on myself as well as my XXXX children.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have tried to dispute these with Experian still they did not want to resolve the issue. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights