23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/19, I received an email from Capital One asking me to verify my account for a Quicksilver Credit Card that I never submitted. I checked XXXX and the hard credit inquiry had shown up on my account as well. I called Capital One, and they told me the Quicksilver card application was marked as fraud. I also called XXXX and told them to remove the hard inquiry.
Product: Mortgage

On XXXX I was informed by my mortgage company that my mortgage was transferred to Roundpoint Mortgage Servicing. On XXXX I still hadn't heard from Roundpoint ( and my payment is typically on the XXXX of the month ) so I called Roundpoint and spoke with XXXX. She told me that my account would be ready on XXXX, and that I should make a payment online before XX/XX/year> or else I would be charged late fees. 

On XXXX I set up my online account, logged in, and the account showed my payment due date as XXXX. I did as XXXX said and made the payment for {$2200.00}. I received a confirmation email. On XXXX I noticed XXXX transactions for {$2200.00} taken from my checking account. I was charged twice when I only made XXXX payment. I called Roundpoint and spoke to XXXX XXXX, who admitted that this was a mistake by Roundpoint, but that I needed to contact my bank ( XXXX ) and dispute the charge because " even if he could submit a refund '' it would take XXXX weeks and needed to come by mail. They " don't do '' electronic refunds. They had an incorrect phone number and mailing address on file, which I only discovered as I asked them to confirm where a check would be sent. 

I called XXXX on XXXX and spoke with XXXX. She said this was not uncommon. I initiated a claim, but she says it could take up to XXXX business days to return the money as well, and I would need to fill out additional paperwork. She did provide options for temporary credit. XXXX was very professional about the situation. 

My checking account is now {$2200.00} less than it should be, which will affect my ability to pay bills. And I may not have my own money returned to me until after XXXX, when my next mortgage payment is due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 7 accounts showing up on my credit report that do not belong to me I have been disputing these since XXXX of 2020 I have just opened up an ftc regarding identity theft these accounts in no shape and form belong to me and the bureaus are clearly notdoing anything about it they are just reporting false information. I am getting tired of this!!! 

Account Name : XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Checking or savings account

I was charged {$42.00} on XX/XX/24 although it posted on XX/XX/24 from XXXX XXXX which is a XXXXXXXX XXXX XXXX  event that takes place in XXXX Florida. 

I had bought a water bottle twice, the second transaction of {$7.00} was correct, however my first time buying a water bottle while the tablet did say {$7.00} they turned the tablet around before I could tip, next thing I know I was charged {$42.00} for a single water bottle which leads me to believe they tipped themselves. 

One water bottle for {$42.00} makes no sense especially since the second water bottle purchase I made came out to {$7.00}. 

I contacted Wells Fargo and they declined my dispute for whatever reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

During th e    XXXX   XXXX    2017 i had  an inquiry placed on my  XXXX  credit report. The  Unauthorized Inquiry was placed by Discover  while i was in  XXXX   XXXX . I never authorized this as why i disputed it both by telephone and online with  Discover with no results. Discover denied to assist and i was placed on hold and had a remark added to my account. Under the FCRA a hard inquiry must have " Permissable Purpose ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts needs to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$27000.00} ; XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX XXXXXXXX : {$27000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report the incorrect amount to equifax they have my loan amount listed {$1700.00} more than what I owe and more than what is showing on my statement, they keep reporting this inaccurate amount of {$15000.00}. The accurate amount that should be reporting to equifax is {$14000.00} which is the amount that is on the statement from XX/XX/2018! XXXX is violating the FCRA federal law they keep updating my equifax report with this inaccurate balance which keeps hurting my credit score. I will contact a lawyer if XXXX does not update the account with equifax to the correct amount!
Product: Credit reporting or other personal consumer reports

XXXX XXXX keeps changing the first delinquency date on all three credit agencies keeping this old loan on all three credit files when they should have removed it. 

As you can see, XXXX reported a 1st delinquency date of XX/XX/XXXX, which is fraudulent, as the 1st Delinquency Date was XX/XX/XXXX. 



XXXX XXXX also committed a fraudulent act, after I paid off the vehicle, they attached additional fees, and the moment I paid them, they reported that money as a paid charge-off to all three credit agencies. 

I originally went into the local XXXX XXXX  XXXXXXXX XXXX on XXXX XXXX XXXX. Branch and paid off the balance in full on XX/XX/XXXX. As you can see they did not apply the full payment. I went back on XX/XX/XXXX and paid {$1.00} to cover the balance of {$.00} cents. 

Then after all that XXXX Bank would not send me my title, they added additional fees and had me pay another {$200.00} and some change, only then would they mail me my title, which I finally recieved at the end of XXXX, XXXX.
Product: Mortgage

I attempted a loan modification on XX/XX/ and was denied and now I'm facing a foreclosure on XXXX
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX  XXXX # XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

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

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: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. I hereby request that Experian : XXXX. Conduct a thorough reinvestigation of the following disputed account XXXX XXXX XXXXXXXXXXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 

XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove the items which are opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These are the fraudulent items :
Product: Student loan

In XXXX of 2022, I was having some problems keeping up with my student payments as other items and resources were becoming more expensive because of the effects of inflation and the summer heat. I tried for XXXX months to apply for a 90 day forbearance but was continued to be turned down even after paying monthly for the past XXXX years XXXX years during XXXX. I had to fall behind and have been trying to catch up but Lendkey keeps attacking my XXXX XXXX even after I have made XXXX payments. Unfair they could not give me 3 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX , a personal loan, was listed as 30 days past due on my credit report incorrectly. 

This account was never late on XX/XX/. This has been verified with XXXX XXXX yet the error is still listed on my " Experian Report and XXXX Report ''.
Product: Debt collection

XX/XX/XXXX - Dispute letter to collection XX/XX/XXXX - Validation letter to collection XX/XX/XXXX - 2nd Validation letter to collection XX/XX/XXXX - 3rd Validation letter to collection XX/XX/XXXX - {$32.00} INS fee from my bank for a {$930.00} check # XXXX from collection XX/XX/XXXX - CEASE & DESIST letter to collection ; XXXX  Complaint and Kansas AG Consumer Complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that XXXX XXXX XXXX have placed an inquiry on my EQUIFAX and XXXX credit file dated XX/XX/2020. On multiple occasions I requested XXXX  XXXX XXXX, EQUIFAX and XXXX to verify these inquiries. They have yet to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Product: Credit card

Account was opened XXXX of XXXX  someone was making payments on it but stopped making payments XX/XX/XXXX. I called XXXX back to see who open the account. I gave them the first XXXX digits of the account and the told me theyll do a fraudulent investigation but I never got a call back. The only reason I found out about the account, Im trying to join the XXXX XXXX and they told me I need to take care of this before I can go to basic. The account was also sent to collects now I owe XXXX.
Product: Credit card or prepaid card

I am a victim of identity left for the past 1 year and a half, There have been numerous fraud charges and credit card accounts opened under my name without my permission. To make matters worse I have lost my wallet at a local gas station around XXXX of this year and everything in my wallet were gone. All of my IDs and my credit cards have been compromised, including my phone. Recently I have noticed there are numerous charges under many credit cards that I own and I've reported to my credit card companies promptly. Most have already issued a refund or provisional credit but the credit card company I'm having an issue with is XXXX. They have declined my request to pursue refunds against a company that I have not done business with. There is an on-going identify theft alert in my name with FTC. Ive also put a year fraud alert with credit companies for this entire year. Please re-open an investigation for this fraud case on my behalf. Furthermore, I have also enclosed a police report for the illegitimate charges as well circumstances that have caused the identify theft in the first place. I contacted the merchant directly and they have informed me some details. - IP address they have provided does not match my actual location or my IP address. - My legal/real name is XXXX XXXX XXXX NOT XXXX XXXX or any other names they have claimed the card was used under. - The email address those purchases were made under were not under XXXX and thus I have no access to them or know anything about them. - The pattern of those charges were inconsistent comparing to my purchase history with XXXX, I would and never have purchases anything in this amount within a short period of time. - Lastly, according to the merchant rules and guidelines competitors are NOT able to vote for themselves, so those charge can not have been under my account anyway and advise me to contact my bank to dispute it as fraud. - I have moved away from XXXX, WV XXXX since XX/XX/2023. I have returned to visit friends and family in XXXX but currently I reside in SC. I have not had the chance to update my mailing address because I've been dealing with all the fraud charges that occurred on all of my credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed fraudulent account on my XXXX, XXXX and Experian report Everyone agreed with my dispute and deleted from my credit report except Experian. I have written letters, uploaded police reports and Experian still refuse to delete the fraudulent information. I'm a victim of identity theft.
Product: Bank account or service

My case is about a withdrawal of cash from an ATM, the ATM only gave me the receipt of the transaction but NOT the money, this happened for 2 consecutive days, the bank approved the transactions and they took the money Of my checking account.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer 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 did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation EXXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/20 i received a notification from my alert on my bank account that the account as under {$50.00} threshold causing my account to be in the negative. I called an spoke with an agent that advise that they were going to remove the fees and the charges and my account would go back to having a positive balance. I have checked my account every day as i have had trouble in the past few years with chase and no longer trust they handle things properly. I received no other alerts from my account about the balance being under the {$50.00} threshold and i saw my account in the positive every day. I woke up on XX/XX/20 to see that i was back in the negative and this time i was charged two XXXX over draft fees due to the account going into the next business day in the negative. I have the alert on the account to prevent the account from going into the next business day in the negative. Due to not getting the notifcation that i was back in the negative i was charged the fees and not given the chance to move money around. 

Each agent i spoke to on XX/XX/20 was rude and inappropriate as they talked over me and did not want me to provide the background on the case. The one agent stop me in the middle of my sentence to tell me that unless this had something to do with the claim there was no point for me to tell what happen. I am a customer and i deserve to provide all details i need to feel like im being clear and understandable. I have banked with chase for several years and this was the final straw for me.
Product: Debt collection

Unknown account from XXXX XXXX open XX/XX/XXXX When requested XXXX failed to provide verification of public information source XX/XX/XXXX Lloyd & McDaniel , PLC ( XXXX XXXX  ) failed to provide evidence of debt during court ordered Mediation XXXX XXXX Lloyd & McDaniel , PLC failed to appear in XXXX XXXX of XXXX XXXX, XXXX to defend their case. The case was dismissed.
Product: Debt collection

ARC MANAGEMENT GROUP , LLC {$2500.00} XXXX and now its appearing as two dates XX/XX/XXXX and XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies are in violation of the law.
Product: Checking or savings account

At different times with bank of america i had overdraft fees because i did not have enough funds in my account
Product: Credit reporting or other personal consumer reports

I opened and apple/goldman sachs account to pay for a new phone over time. I set up autopay but was never informed when the company had a problem with the autopay, no letter or email. I found out the problem when reviewing my credit report. I requested reversal of the delinquent reporting to no avail. The account has been fully satisfied. I hav enot had an account delinquency in forty years, pls help. The vendor is goldman sachs, XXXX
Product: Money transfer, virtual currency, or money service

I have tried calling and emailing and using the online chat support option but nobody answers. My account has been frozen and locked for unknown reasons since 2022. I can not transfer the crypto to another account because my payment methods and everything are also locked. I can't send crypto to an outside source because my account is frozen for????? reasons.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Immediate Removal of Erroneous Collection Account by ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX To Whom It May Concern, I am writing to formally dispute and request the immediate removal of a collection account listed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX on my credit report, which I believe is inaccurate and unfairly damaging. This collection entry violates federal protections and reflects an outstanding balance that should not exist due to a pending lawsuit, in which I have received a Default XXXX in my favor from the court. 

Legal Background and Judgement Details The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) protects consumers from inaccuracies and unfairly damaging information on their credit reports. Under the FCRA, credit reporting agencies are legally required to maintain only complete and accurate information on consumers credit reports. In my case, the collection by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX was improperly added despite an ongoing lawsuit where the court has granted a Default Judgment in my favor due to XXXX 's failure to respond. This ruling signifies their negligence and validates my claim, making this collection inaccurate and misleading. 

Additional Violations by XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX failed to address critical concerns, including health and safety issues within my apartment, which included a documented XXXX infestation. The courts Default XXXX against them underscores their negligence, which is the root cause of my dispute with the debt they claim I owe. 

Impact on XXXX XXXX XXXX and XXXX as a Consumer The presence of this collection on my credit report has caused me substantial hardship, affecting my ability to secure a mortgage and purchase a home for my family. Under the FCRA, it is imperative that only correct and verifiable information appears on my credit report, especially given the substantial consequences of inaccurate data on my financial standing and quality of life. 

Request for XXXX XXXX I respectfully request that the credit bureaus take immediate action to remove this erroneous and misleading collection entry from my credit report. Failure to do so not only violates FCRA requirements but also places unnecessary hardship on my family. By allowing this collection to remain on my report, I am being unjustly penalized based on inaccuracies that have been recognized in court. 

Please investigate this matter promptly. Attached is a copy of the Default XXXX order from the XXXX XXXX XXXX XXXX to facilitate your review. I request written confirmation from you that this inaccurate entry has been permanently removed from my credit file. 

Thank you for your prompt attention to this matter. I look forward to your immediate response to correct this injustice.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX Currently have some fraudulent accounts appearing on my credit report.