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

I received a credit alert from XXXX saying I have a delinquent unpaid account of {$1200.00} from XXXX XXXX XXXX. I don't remember having an account with XXXX XXXX. I monitor all my financial transactions and obligations and I don't know XXXX XXXX. I believed this is identity theft and somebody is using my information to obtain/apply credit card under my name. Please review and remedy. Please reach out to me if you have further questions. ( XXXX ) XXXX. Thank you and have a nice day. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address significant violations of the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) that have recently come to my attention While Reviewing my Transunion Credit Report. Consumer Reporting Agencies ( CRAs ) play a vital role in assessing consumer credit information. It is concerning that Transunion, one of the Big 3 CRAs rely on data from smaller agencies, like XXXX, for reports. Identity theft is a major concern. Reporting unauthorized accounts without consent is a serious breach of privacy. CRAs are legally liable for noncompliance under 15 U.S. Code 1681n, with potential penalties of {$1000.00} per violation. The unauthorized buying and selling of personal information poses a significant privacy issue. Compiling a report without consent amounts to identity theft. Privacy is a right, not a privilege, and I demand prompt removal of identified information. I followed the requirements of 15 U.S. Code 1681c-2 meticulously, but was not provided clear information about reporting, as mandated by the Gramm-Leach-Bliley Act. By invoking my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b ( 2 ), I seek a swift resolution. I insist on immediate removal of identified items within four days. Furthermore, proper notification for investigative consumer reports, under 15 U.S. Code 1681d, has been overlooked, a clear violation. I expect prompt attention and full compliance with the aforementioned provisions. Failure to do so may compel legal action. Given the comprehensive evidence I have provided, I am pursuing a resolution to address the FCRA violations and the infringement of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SET OUT ON A JOURNEY TO REPAIR MY CREDIT AND ASK THE CREDIT BUREAUS TO MAKE SURE EVERYTHING WAS COMPLETE AND ACCURATE ACCORDING TO 15 USC 1681 i ( 5 ) I WAITED 60 DAYS RECEIVED MY INVESTIGATION AND NOTICED EVERYTHING WAS THE SAME .THE CONSUMER REPORTING AGENCIES WHICH IS XXXX XXXX EXPERIAN XXXX AND XXXX XXXX XXXX NOT MODIFY OR DELATE ANYTHING. 

THE DATE IS NOT CORRECT THE LAST ACTIVE DATE IS NOT CORRECT ON ALL XXXX REPORTS. 
WHICH IS A VIOLATION.THIS IS IMPACTING ME FROM MOVING FORWARD TO BUY A HOUSE FOR MY FAMILY. 

I ATTACHED MY PERVIOUS CREDIT REPORT AND MY NEW CREDIT REPORT TO SHOW HOW EXPERIAN VOILATED MY RIGHTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX and XXXX Account # XXXX have 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: Credit reporting or other personal consumer reports

To whom it may concern, I am filing a formal complaint against Kickoff regarding the improper reopening of my account after it was paid off and closed. I had fully paid off the account and was under the impression that it was closed, as indicated by the account status at the time. However, I recently discovered that the account was reopened, and this action has significantly impacted my credit score.

The information Kickoff is reporting is incorrect. My account was marked as a " profit and loss write-off '' at one point, but I never requested for it to be reopened. Additionally, I never re-opened the account after paying it off and closing it. I reached out to Kickoff for clarification, but they were unable to provide any details regarding how the account was reopened. They also stated that they would not remove the account from my credit report, leaving the incorrect information to continue negatively impacting my credit. 

The inaccurate reporting of this reopened account has caused a significant drop in my credit score, which is causing me financial harm. I have been unable to get a resolution directly from Kickoff, and I am seeking assistance from the CFPB to ensure that this erroneous information is removed from my credit report and that the account status is corrected. 

I respectfully request an investigation into this matter and the removal of the inaccurate information from my credit report. I also ask that Kickoff be held accountable for failing to correct this issue or provide any explanation regarding the reopening of my account. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Best Regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair 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 venerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss on numerous occasions, and I seek appropriate redress for these violations.
Product: Mortgage

I called the mortgage company LOANCARE to remove PMI, they sent me a letter. The letter indicates that in order to remove PMI i need to order appraisal or BPO, so I called them and I chose BPO because it was cheaper and I paid the amount of {$100.00} over the phone. 


Then I received from XXXX XXXX Escrow PMI Specialist II an email she says, to move forward you need to pay another {$45.00} eventhough I asked about that, she never give an explanation. 

I don't think it's fair and professional to ask another amount after it's paid according to the letter.
Product: Checking or savings account

XXXX XXXX XXXX stay was booked through XXXX XX/XX/XXXX I cancelled the reservation the same day via XXXX XX/XX/XXXX XXXX XXXX XXXX charged my card XX/XX/XXXX via XXXX. I explained the cancellation, asked for a refund to which they responded by blocking myself and family via XXXX, the only way to contact them since they are international. 
XX/XX/XXXX I contacted XXXX to step in. XXXX XXXX XXXX would not respond to XXXX I filed a dispute with Chime XX/XX/XXXX submitting screenshots showing the cancellation was well beyond the 14 day time frame. 
XX/XX/XXXX chime denied my initial claim and stated I could rebuttal the decision. 
XX/XX/XXXX I requested documentation and a denial letter from chime. I submitted new evidence, including my cancellation confirmation. 
XXXX chime denied my claim again. I asked for a denial letter XXXX requesting the documentation provided and a reason for denial. 
I followed up XX/XX/XXXX on my initial request for a denial letter from XX/XX/XXXX. No response from chime. 
XX/XX/XXXX I receive my denial letter from chime which is just a written statement stating that I booked the wrong dates and it was within their cancellation policy. My showing that I cancelled within the timeframe of their policy, and how I explained that I cancelled because I booked the wrong dates was not included. 
The denial letter chime sent XX/XX/XXXX DID NOT meet Regulation E requirements, either.
Product: Checking or savings account

Allowing my low accounts to go through just to charge excessive amount of over draft fees
Product: Debt collection

On XXXX XXXX XXXX for Eastpoint Recovery called me and told me that file # XXXX that was forwarded to my office, this is not a solicitation, this is regarding a very urgent matter that was forwarded to my office .... Your file has been red flagged as a direct refusal to resolve ... .I will grant you a final opportunity to get in contact with this office ... ... .I will be making my final recommendation that we do move forward on the file ... ..unfortunately this will be assigned for further action ... ... at XXXX tomorrow I go to a meeting to assign your file from further action, and I am trying to prevent that from happening. 

Then on XXXX Eastpoint Recovery called me again, saying .... My name is XXXX XXXX, XXXX as in Sheriff ... .. We have a problem here, do you have a son? ... .. We have a problem sir ... ..This is regarding XXXX Bank XXXX XXXX XXXX XXXX I guess you bought some stuff online .... You were paying on it from three years. 

Eastpoint and their debt collection representatives harassed me and pretended to be a government official. Clear violations of the FDCPA and the Texas Finance Code.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report. Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. With that, I am asking for your assistance to delete or remove these inaccurate items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was in contact with XXXX  regarding a Public Record listed in my consumer file. XXXX  stated LCI was the source of information. After multiple calls I finally got the chance to speak with a XXXX XXXX on XX/XX/20. Regarding the public record which contains an Chapter XXXX Bankruptcy. I requested the source of information I was told they do not provide that information. I asked for any file they had on me I was told I needed to contact XXXX. 

LCI Is furnishing inaccurate and incomplete data on my behalf and refuse to update the information. The courts do no provide such data to any 3rd party agencies. Pacer system is not FCRA regulated thus the information that has been reported is illegal. Also pacer is a limited system which a company is not able to properly Identify any individual with only the last 4 digits being available. 
All furnishers of data has an obligation to report true and accurate information. and LCI has failed to do so. LCI did not take the proper steps to ensure the information they collected on my behalf was true and accurate. 
Per FCRA I never gave LCI in Writing nor Verbally consent to furnish nor collect information on my behalf. This also constitutes a violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaint to FACTUAL DATA for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX
Product: Credit reporting or other personal consumer reports

Consumer name : ( XXXX XXXX ) Consumer Social Security Number ( XXXX ), Consumer Date of Birth ( XX/XX/XXXX ). Contents of the complaint : This CFPB complaint has been filed to request that EXPERIAN, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ). This fraudulent, incorrect, and false information consists of a HARD INQUIRIES. 

HARD 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- XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX These multiple bogus INQUIRIES on my consumer FICO credit report. I have attached a list of the accounts in question, as well as a copy of your consumer FICO credit report, which includes the aforementioned bogus entries. I do not identify the aforementioned INQUIRIES, that were reported. I did not open, make, or start the aforementioned INQUIRIES on my consumer credit report, which you keep. All of the INQUIRIES listed above are the result of identity theft and fraud. I've attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) from the US Federal Trade Commission to prove that all of the aforementioned INQUIRIES are the consequence of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

You may seek damages from violators. ... XXXX, Banks, savings associations, and credit unions with total assets of over {$10.00} XXXX and their affiliates ... FTC Regional Office for region in which the credit operates or Federal Trade Commission : ... 

XXXX XXXX XXXX XXXX was the likely source of the complaints to the Federal Trade Commission accusing XXXX  of falsifying income information on loan applications, says XXXX co-owner and general manager XXXX XXXX. 

XXXX also believes that complaints from the XXXX XXXX XXXX XXXX XXXX spurred the FTC to take action which began in XXXX of XXXX. 

The FTC complaint, echoing those from XXXX and the XXXX XXXX XXXX XXXX XXXX, accuses XXXX XXXX XXXX of doctoring up loan applications, reporting false customer income amounts and false advertising. 

The FTC came to us and said were prepared to file this complaint unless you settle with us, XXXX said. In the negotiations that followed, XXXX said, it became apparent to him that the FTCs case was short on facts. Initially, XXXX said, the FTC proposed a settlement that would have had XXXX paying {$1.00} XXXX. That amount being offered now is down to {$500000.00}. 

When XXXX  confronted the FTC, questioning the veracity of information from XXXX, the agency brought up the complaints from the XXXX XXXX XXXX XXXX XXXX. The FTC said nearly 50 percent of the complaints from XXXX car buyers were aimed at XXXX. 

XXXX said his next move was to send his XXXX XXXX XXXX, a XXXX, to explore the XXXX XXXX XXXX XXXX XXXX data. What he found out was that they went around to the XXXX Houses and asked people if they had any complaints. It is true that the majority of complaints were about XXXX, but many of them were about things like I didnt get my payment book, things unrelated to the deal. 

With three dealerships in XXXX XXXX border towns, XXXX said, his company likely sold the most vehicles to XXXX  and its not surprising that his dealerships were mentioned most in complaints. 

From the thousands of cars and trucks that XXXX has sold to people who live on the XXXX XXXX, XXXX said, of the total number of complaints the XXXX XXXX XXXX XXXX XXXX gathered around 30 or 40 are about XXXX. 

They all know XXXX a bad actor, thats been proven, XXXX said. But, I think the FTC wants to go after dealers that benefitted from this. I think theyre suggesting that there are dealers that exploited it, saying dealers should have acted when XXXX  didnt. 

XX/XX/XXXX - The dealer may hold onto the contract, but typically, it's sold to a bank ... settle the FTC 's charges that the company violated the FTC Act. CPS ... Every consumer has the right to be treated fairly when it comes to debt collection.
Product: Debt collection

We received a letter from Jefferson Capital Systems LLC stating we had an outstanding balance. I called and spoke to a representative asking where this originated because we didnt have any account with XXXX, which was listed as the debt description. The representative could only tell me it was from a store called XXXX the balance and when it was supposed to have occurred which was 2 years ago. We never made a purchase and weve never been alerted to any fraudulent activity on my social. I told them to mark our account as disputed but this all still feels really strange and scammy.
Product: Money transfer, virtual currency, or money service

I was a vicrim of online fraud. Someone hacked into a Friend 's XXXX account and listed a XXXX  XXXX for sale stating that she was selling her Father 's truck because he was moving to an elderly care. I contacted her on messenger because I didn't have her phone number. She reached out later stating the truck was available. She was selling it for {$5000.00}. I asked her if she would take {$4500.00} and she said yes. She said I would need to pay half now so she can mark it as sold and not take any more calls. I sent her {$2000.00} by zelle on XX/XX/XXXX. She messaged me later in the evening saying she was getting someone to pay the full deposit so if I sent the balance she would mark it sold. I told her my daily zelle amount is only {$2000.00} and I would have to send the balance on the next day. I sent the {$2000.00} on XX/XX/XXXX. She then messaged me further saying a family friend is willing to pay {$6400.00} for it because he has seen the truck and its in good condition. Before I sent her the first payment, I did ask her for the VIN number of the truck and she stated that her Dad 's accountant had the information and she would send it to me once she got it. I started becoming suspicious and started asking her personal questions as she would know who I was. I got her number from another friend and called it. She didn't answer so I texted her saying I was messaging about the truck we were talking about on FB. She responded immediately stating that her account was hacked on FB and she had no access to it. I immediately called XXXX and let them know the situation. They told me they couldn't do anything about it since I initiated the zelle payment. They created a ticket but told me they can not reimburse my {$4500.00}. They told me I would need to call Zelle because it is a third party platform they use. I called the number they gave me but there is no option to speak to anyone so I submitted an online complaint. I received a response back from a XXXX email saying that they would look into the issue but no refund would be issued. This would just be to prevent further scams from happening. I also called the XXXX XXXX XXXX police department and filed a compliant about the fraud/scam. I am trying to recover the {$4500.00} zelle payment I made to the individual pretending to be someone I know and selling a truck that I never received. The email address the person gave me to send the zelle payment is XXXX registered under a XXXX XXXX. The person 's XXXX  account that got hacked was XXXX XXXX XXXX 

Attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be removed. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX a person who claimed to be an owner of a home and was renting it via XXXX sent an email to us after we were interested in it. They claimed to be the owner XXXX XXXX, and sent us a rent questionnaire. My son was the the one who was answering the email replied to all the questions and sent it back to them. They talked back in forth answering questions, they later told us they would have a final decision on who will rent the home. A day later they told him that we had won them over and that we will be able to rent the home. At this point I gave them my trust as they sent a whole paragraph with the word of XXXX, and being religious I believed them. 

The email told us to send in the security deposit of {$1900.00} and that way I would secure the home to me. They assured us that they would send the key to me once that is done. They then told us to send it to a man name XXXX XXXX who they claimed was his account manager, along with his email XXXX through XXXX. My son sent it to them thinking we were about to get the keys to my new place. But a day later he received another email saying that their attorney wanted the first months rent of {$1900.00} for this to be legal. We complied as I was still sure that I would get the keys. My son sent the money through XXXX to who he claimed was his wife XXXX XXXX with her email being XXXX. 

Days past and it has been over a week from when the money has been sent with no response back. We have reached out multiple times, but nothing. Nothing has come through the mail either, as they claimed the keys would be sent to my address. I am now sure that I have been scammed and robbed of {$3900.00} by these people. 

Chase and XXXX have both told me that they won't recover my money. They said they couldn't dispute it. So what they did was try to contact the recipients bank to make a dispute with them. They later sent me a letter saying nothing can be done. Although this should absolutely fall under fraud, I have been robbed of {$3900.00} and they won't do anything about it, and they would rather protect the criminal.
Product: Bank account or service

On XXXX XXXX, 2016, I submitted a complaint # XXXX to the CFPB regarding excessive charges by Citibank. Subsequent to my complaint, Citibank has retaliated by cutting off access to my checking account. When I log in online I ca n't see any details of my account. I ca n't access my balance, transfer funds, or even see which bills I have or have not paid. I need full, unrestricted access to my checking account, and Citibank needs to refund any fees that may result from restricting my access to my money.