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

I have contacted XXXX to complain about excessive and illegitimate credit inquiries that were clearly not authorized on my credit report, I had spoken to a representative by the name of XXXX whom refused to transfer me to a supervisor and refuse to address to the unauthorized and frivolous inquiries by credit agencies for instance within one single month XXXX XXXX XXXX checked my credit four different times in one month. Other inquiries from XXXX XXXX are repetitive and unauthorized XXXX, XXXX and Equifax refuse to investigate this abusive process claiming they must remain for two years.
Product: Credit card or prepaid card

Dear Blackhawk Network ( BHN ) : After finding out my gift card 's entire balance of {$500.00} was fraudulently / unauthorized used about 1 or 2 days after the activation, I successfully emailed & faxed a signed dispute form along with supporting documents on XX/XX/XXXX. As I did have a chance to verify the transaction activities with a BHN 's Rep. that the unauthorized charge occurred on XX/XX/XXXX at XXXX store # XXXX. After contacting XXXX office, I learned that store # XXXX is located in Michigan ( MI ). I  hereby attest that I did not visit any XXXX either in store or online on XX/XX/XXXX. As I wish to also file a police report, the dept. stated that I need an Affidavit of Fraud ; therefore, please provide an Affidavit so I could complete a police report. <P/>I 'd appreciate a prompt review & an issuance of another card with a full balance of {$500.00} that I had paid for but did n't get a chance to use. Thank you for your cooperation & prompt resolution to this issue. <P/>Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX ... XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX ... XXXX XXXX  XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

I reviewed my credit report and noticed 3 collection accounts from Security Credit Service being reported. I disputed the accounts with the credit bureau, it came back verified. I then contacted Security Credit Service via mail requesting for validation of the debt along with a signed contract showing my signature. I never received a response nor did they ever notify my of these debts. I received no phone call, no letter, nothing from this collection agency. I am very frustrated trying to get answers from them.
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 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 e. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card

Take a look at the documents attached. I want the bureau to start an investigation into these accounts, as I am never late, but they are reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS INQUIRY DOES NOT BELONG TO ME, I WOULD LIKE THIS TO BE REMOVED PLEASE. 

NAME : XXXX XXXX XXXX XXXX DATE : XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted Disputes for unknown and inaccurate accounts on my credit report. I was a victim of Equifax Data Breach. I want to Delete all the unknown and inaccurate accounts or I will file a litigation.
Product: Vehicle loan or lease

When I first purchased the car back in XX/XX/2015 I had a job with proof of income. The car salesman said my only option is to pay a high apr at 25 % interest and high car payment for one year and then refinance to drop the interest rate and payment way lower after paying all my payments on time that whole year, and so I did make the payments on time, but little did I know I went through a change of job. I went from having proof of income hoping to refinance.. to being an XXXX XXXX with no proof of income. Im paying {$720.00} a month for the past 3 years and all that money has only went to interest! Even from the start of my purchase it was a nightmare! For a whole week almost I drove around with the wrong VIN number they gave me!! Santander Consumer USA tried to help me refinance this past year, but demanded 6 recent months worth of on time payments from my bank statements. The first 2 years almost is proof I paid my ridiculous {$720.00} payment. I have more than enough proof of income through XXXX XXXX, but refinance companies only want XXXX forms and my XXXX forms are all messed up with me owing the IRS. 
Long story short I soooo desperately need help refinancing to save money now that Im in college and I'm now paying my daughters private school. 
On another note Ive always wondered is 25 % apr legal? 
PLEASE HELP! 
Thanks
Product: Checking or savings account

I have tried several times to have Capital One to send a cashier Check ( XX/XX/2022 ) for them to state they can not do it and that it has to be done online. When attempting to do it online, my account gets locked out and I have to wait 24 hours for the account to get unlocked. Waited the 24 hours and the account gets locked out again with the agent on the phone stating that they can not assist. Tried to get money wired to an escrow account on XX/XX/XXXX and got the same run around with them saying that no bankers were available and I had to call back on Monday, account again was locked out with me not being able to do anything for 24 hours.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I asked the credit bureaus to remove all these negative items off my report they would not. They said there is no way to delete them off my record. These debts are not mine and have had a very negative impact on my life. I can't live a normal life I even believe that the bureaus leaked my personal information, for accounts to be opened as act of fraud on my account. They even allowed my personal private information to be reported without my consent. I have addresses that are wrong. So, these things have made more negativity in my life because I can't even buy anything because all these company decline my access to my unlimited credit. none of these debts have even been Valid and they also have been sold over and over again. All three credit bureaus also are even reporting different information 's. UCC 9-506 Seriously misleading. All negative items need to be removed. 15 U.S Code 1611 Identity fraud.
Product: Bank account or service

We opened a Savings Account at Astoria Bank, XXXX NY on XXXX XXXX, to the amount of {$250.00} on my husband 's account and my account we were informed that if we would add an additional {$2500.00} for 90 days we would be eligible for a bonus of {$250.00}. After the 90 days we did not receive the promised bonus, we went down to the bank and they promised that within a week we should receive our bonus, since then they have been giving us the run-around, and we have not received anything.
Product: Credit reporting or other personal consumer reports

It was reported to my Credit Reports that I was 30 days late 2 times. 
XXXX and XXXX. Both these months I made my payment. {$1400.00} paid in XXXX. I confirmed that I was not late on that payment. I made that payment from my Navy Federal Checking account. I also made another payment of {$9.00}. For my XXXX statement i made multiple payments totalling over {$57000.00}. These were also internal payments. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contact the collection agency to resolve an unpaid collection account that was on my credit bureau. I was told that the account would be shown as paid in full and i would have a letter faxed that would confirm the paid in full status along with removal from my credit bureau. I was instructed to send in a letter authorizing them to release this information via fax which i did. After days of not receiving the letter i called back to get the letter sent, and i was informed by the representative i will not be getting that letter.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XXXX, XXXX I discovered, my Citizens Bank check issued to XXXX XXXX for {$200.00} was cashed by the Bank for {$14000.00}! Immediately I & my husband went to a local Citizens Bank brunch & learned our check was stolen & forged to a person name & the amount was changed, keeping only XXXX written by me. The altered check had my signature & at the bottom of the check, I wrote a XXXX account # & due date for the payment, that was not touched! 
The fraud was so obvious, that people from the Bank assured us, that we'll get our money back within XXXX. Next day we contacted Police, XXXX came to our place on XX/XX/XXXX & filed a report & police inspector had been assign to handle our case within a week. 
Since then a banker from local brunch faxed all our information & documentation to The Citizens Bank Fraud Department 5 times! We come to the brunch on a regular bases & every time he sends another package of the same documents & every time we get the same answer, that Fraud Department does not have our records?! So we start the same procedure with the help of the same banker & it's endless.... We need the money, it's so outrageously unbelievable the way the Bank treating us & we are good elderly customers of 30 years .... I hope someone is willing to help us, we do not know, what else could be done to make very nice mannered employees to do the job, not just to say how sorry they are ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a small XXXX  loan today XXXX/XXXX/2020 and I was not approved because I was told that there are several accounts reflecting badly on my credit history ; I was surprised to hear this since I have always made sure to keep all of my credit cards and loans current and paid on time. I looked through a copy of the credit report they pulled and I saw several accounts that do not belong to me. The accounts are from a few different companies all of which I am not affiliated with in any way. I have never opened an account with any of the companies I listed on this report nor do I have any contract with them. I don't know who is responsible for opening these accounts in my name without my permission but I did not gain anything from these accounts such as money, goods, services or anything else. I have filed a police report regarding these unauthorized accounts as well as a complaint with the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$820.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against COMMONWEALTH FINANCIAL. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name, social, date of birth was used without my consent or knowledge, there are open collections, inquiries, car loans
Product: Checking or savings account

I had a fraud purchased in XXXX off XXXX and dollars and XXXX XXXX XXXX will not help me at all. Someone copied my card and used it somewhere else. I told capital it wasn't me to investigate and have someone go to the place a look at camera and nothing no help what so ever now my account is at minus XXXX. I keep fighting but no help.
Product: Mortgage

On XX/XX/year> I received mail from Freedom Mortgage stating that my mortgage would increase due to an escrow shortage. I was given the option to pay the amount of {$3900.00} in full or have the amount spread out over 12 months. My loan was transferred from XXXX XXXX XXXX to Freedom Mortgage last year. Throughout the entire term of my mortgage, I have never had an increase in monthly payments this large. I believe this company is over predicted my escrow. My monthly payment is about {$1300.00} a month but now I am told it will be going up to {$1800.00} a month. I believe that my escrow amount has been inflated and/or inaccurately calculated. I have also recently learned that Freedom Mortgage has encountered several lawsuits concerning inflated escrows being placed on home owners. Please help.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021 I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Coinbase services
Product: Mortgage

Hello, I am XXXX XXXX and thank you for reading my story. 
My husband and I are trying to save our home from being escalated out from under us by our mortgage holder. We finally got a modification in XXXX of XXXX & the 3 month trial was up XXXX XXXX, XXXX. 
Through the magic of escrow & intrest our $ XXXX mortgage is now $ XXXX and today I was informed my monthly payment was going up another {$200.00}. The lender claims that this is necessary because I 'm in arrears on the escrow {$4000.00}. This is XXXX! If there was an arrearage it should have been handled within the modification. 
We built this home ourselves in XXXX and it 's located next door to my XXXX year old mothers home whom I care for. My parents bought the property in XXXX Our home loan was with XXXX Mortgage for {$1900.00} a month and we had never missed a payment. I paid my own taxes and insurance. 
In XX/XX/XXXX my husband 's XXXX. XXXX was denied so he began XXXX work as often as possible but he earns much less than he did before. 
I am a XXXX. My employment has been off & on since the economic turndown. I have had several very good jobs just disappear due to mergers, takeovers, and closings. We have used up all our savings, sold our stocks, cashed in our IRA 's and my pension from XXXX. 
We have nothing left but our home. 
When XXXX XXXX XXXX bought XXXX 's mortgages in XXXX or XXXX they took over our mortgage. I continued paying my regular payment until one day XXXX refused to accept my payment. They said I was n't paying my full payment. When questioned they told me they had added two escrow accounts to my mortgage that brought the payment up to {$2600.00} per month. 
I asked them to remove them as I had not given them permission to add them but they refused citing that they had to protect the Bank in case I did n't pay my taxes. 
I got an Attorney ; XXXX XXXX XXXX. out of XXXX XXXX, FL ; and paid them {$2500.00} to help me get a modification. ( They turned out to be crooks and were indicted by the Florida Attorney General for Mortgage Fraud. ) As soon as XXXX heard 'lawyer ' they transferred my loan to Specialized Loan Service . 
It took me from XXXX to XXXX of XXXX, hundreds of personal hours faxing and copying, checkstubs, tax returns, IRS permissions and hundreds of miscellaneous documents to finally get a modification. BUT : The only modification offer they made was based NOT on my actual mortgage payment of {$1900.00} but on XXXX {$2600.00}. 
To keep our home we had to agree to pay {$2000.00} per month. Right after this went through my company closed in XXXX XXXX. 
For the last year we have taken every job offered. I worked at XXXX XXXX so we could keep the utilities on through the holidays. My mother, children and other relatives help.It means so much to us to be able to live without fear of losing our home, without having to choose which Bill to pay or how much food we can afford to buy. With your help we could finally be solvent again. 
We have lived with this sword of XXXX hanging over us for five years now. I can not express the gratitude we would have for all your help us to get out from under it. Thank you in advance for sharing our story.
Product: Credit reporting, credit repair services, or other personal consumer reports

EARLY WARNING DISPUTE : i requested documentation to prove verification and accuracy of the following accounts they are reporting as negative XXXX XXXX XXXXXXXX XXXX  XXXX and XXXX XXXX  XXXXXXXX XXXX XXXXXXXX they responded tjat they dont have such documentation and i need to contact the furnisher. if they dont have the documentation to prove the account they are reporting they must delete these accounts by law the following accounts that are reporting by them do not include the furnishers address or phone number or any information to contact them about starting a dispute that is a violation and these accounts must be removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE following inquiries are outdated and must be removed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian changed my name on my profile from XXXX XXXX XXXX to XXXX XXXX without my consent and I sent a copy of my social security card and Id already on my driver 's license and it says XXXX XXXX XXXX they keep changing it to verify and validate a debt I am one person not two people then once you remove it remove everything else from my credit report that that says XXXX XXXX warning by messing with my name you are in violation and are commiting identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

after receiving my credit report, i noticed that there is public records on my report and i would like to have it removed because it is a violation of the Fair Credit Reporting Act to report false information.
Product: Credit reporting or other personal consumer reports

I have submitted a dispute to you and i didn't get a response within XXXX  days and ya 'll are required by law to do so. Please investigates my disputes, Please. Thank you.
Product: Money transfer, virtual currency, or money service

I opened a PayPal account for a way to have money direct deposited to me. And was successful. But after receiving those funds PayPal limited my account. I tried to provide the information they asked for but they then sent me a message saying I was no longer able to use PayPal. And now they dont give me the ability to provide any info and they also are holding XXXX $ of my money Numerous phone calls and messages and no resolution. Please help. XXXX XXXX