23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

was told that my credit score was not high enough and needed to verify bank acct information such as acct number, routing number and my on line banking user name and password. they would deposit a fixed amount from their bank to my acct. I was suppose to withdrawal funds and send back via XXXX  or at a XXXX or XXXX. I got suscpious and questioned it they told me to not worry they were only taking the amount they deposited and that my money I had in there was safe I could even transfer that money out prior to make sure I was charged anymore. They started to deposit several amounts in one acct. then I saw they had access to my other checking acct via thru my online banking and they deposited a few amounts in that I questioned that they said it was for verification purposes and as soon as I would give them there amount back i would receive my loan amount of {$4000.00}. I called my bank and put a stop to this reported it as fraud closed the bank acct. and changed my user name and password for my bank.
Product: Vehicle loan or lease

I am over XXXX years old and I got my car financed with Chase. Last month I paid my car 2 weeks late but I was harassed every day by Prerecorded phone calls on my cell phone that I never consented to. I got a manager on the phone finally and told them that I never gave them permission to call me using an auto dialer and to stop calling me due to my health reasons. The calls never stopped and this month I got 5 voicemails in one single day from them. The auto calls have not stopped and I feel like this has made my medical condition worst. I know I am not the only customer chase is calling without their permission and know chase is harassing others as well. I had to change my number because I was losing sleep and not following my doctors orders. Please audit chase 's customers and fine them for not getting permission and breaking collection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Us Bank Credit Card Opened XX/XX/XXXX is Showing a 30 day late payment for XX/XX/XXXX I have provided the billing statement below to show proof I was never late in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received in the mail a letter from equifax stating that information on my credit report has been updated. Everything that I could see was accurate EXCEPT my social security number is wrong. When I called equifax, I spoke to a representative by the name of XXXX who said that my information was given to them by a bank but could not or would not disclose the name of so called bank so I could call this bank and have them fix the information. All 3 banks Ive had in the past 3 years all have my correct social security number. When I asked him to update it he said he could not update it without me faxing a copy of my ID & social security card which I told him I didnt feel comfortable doing. He said he was stationed in the XXXX which made me uncomfortable to be faxing over my personal information as a citizen of the United States and someone over seas is handling my credit?! I then asked to be transferred to his supervisor to resolve the matter which I was placed on hold for upwards of 20 minutes which I then hung up. I want equifax to report my valid social security number and to give me the name of the bank who supposably gave them this incorrect information so I can straighten this out. I have not been able to access my free yearly credit report due to this inconvenience!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I would CFPB to look at my account dates are wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 30- and 60-day delinquency reflected on our credit reports from Santander Consumer USA for XXXX and XX/XX/XXXX are erroneous. Payments made on the account over the course of 7 years were current and paid in accordance with the information provided by Santander Consumer USA. In XX/XX/XXXX, the account information on Santanders website reflected our regular monthly payment of {$610.00} due on XX/XX/XXXX. However, on XX/XX/XXXX, we received notification of a 30 day late on our credit reports from Santander. On XX/XX/XXXX, we spoke with a representative at Santander and was told although the principal balance on the account was now paid in full, the account should have continued to advance, and regular monthly payments would go toward the remaining fees on the account, but did not. Apparently, only the online account advanced ; Therefore, she submitted a request for the account to continue advancing, in addition to the removal of the negative credit reporting. 
In XXXX, the account information provided by Santander reflected our regular monthly payment of {$610.00} due on XX/XX/XXXX. A few days later, we received notification of a 60 day late on our credit reports from Santander. We immediately called and was told the information provided by the representative on XX/XX/XXXX was incorrect, as well as our online account information. Santander has acknowledged their errors, but refuse to correct the negative impact on our credit report as a result of their errors. We have escalated this issue to management only to receive no return calls or resolutions. The negative credit reporting has caused severe financial hardships on our family. This experience has been surreal as we have never been delinquent in our 7 years with Santander. The account was paid per the information furnished by both Santanders online account and representative.
Product: Credit reporting or other personal consumer reports

myHRscreens conducted a background check on me on behalf of another party. There is an XXXX Ga address showing on the background report that does not belong to me.
Product: Checking or savings account

My previous HSA account holder, XXXX XXXX sent my account balance to Optum Bank for a trustee to trustee transfer. The check was for {$48000.00} and XXXX XXXX showed the check as being cashed on XX/XX/XXXX. However, Optum Bank has not credited my account with the balance as of XX/XX/XXXX and has been unable to locate the funds. I've reached out to their customer service multiple times and had cases opened and closed with no resolution. Representatives have refused to escalate my case to a manager to help, and have promised managers would call me back but they never have. My money is missing to this point.
Product: Debt collection

They keep calling my work phone. I asked them to stop calling my phone and just mail whatever it is they need or want via XXXX mail. On XX/XX/XXXX. After many daily calls. Then they called again today. I didnt answer because I was on the phone working. This is my work phone. Thank you.
Product: Credit reporting or other personal consumer reports

Someone got an auto loan and credit cards under my name. This person recently also used my personal checking account without my consent. When I try to contact Capitalone customer support now, they either flat out refuse to acknowledge the fraudulant loan and fraudulent credit cards, or refuse to help with my checking and savings account issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A secured loan opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the the account number XXXX, A charge card opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, A secured loan opened at XXXX on XX/XX/XXXX under the account number XXXX, A charge card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, A debt buyer opened at XXXX XXXX XXXX opened XXXX XX/XX/XXXX under the Account number XXXX, A debt buyer opened at XXXX XXXX XXXX on XX/XX/XXXX under the Account number XXXX, An installment opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  under the Account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX have been a victim of identity theft and impacted by the Louisiana and Equifax data breaches. As a result, as a Louisiana resident, my personal information was exposed in the breaches that made global news. I'm a victim of identity theft, and the accounts and inquiries listed result from identity theft. 

Accounts & inquiries that are not mine and a result of identity theft are below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We sold & closed on our 2nd home on XX/XX/2020 & have still not had our escrow funds in the amount of {$4100.00} returned to us. The mortgage co. is Mr. Cooper, loan # XXXX ; the location of the property is XXXX XXXX XXXX, XXXX, CO XXXX. I have contacted the mortgage company 5 times : ( 1. ) XX/XX/XXXX : XXXX  told me the 2 checks ( XXXX & XXXX ) were sent on XX/XX/XXXX ; she said it would take 7-10 business days to arrive ; ( 2. ) XX/XX/XXXX : XXXX ( TX ) confirmed the pay. was sent on that date & asked if we would like a reissue but cautioned me that the checks should arrive any day so if there was a reissue the clock would restart & again take another 7-10 business days ; ( 3. ) XXXX : XXXX said the date of, " log in '' of the check wouldn't be the same day of mailing & encouraged us to wait a little longer before doing a reissue ; ( 4. ) XX/XX/XXXX : XXXX ( TX ) apologized profusely & asked me to send a voided check to allow him to wire the funds into our acct. stating the process would take up to 5 business days ; ( 5. ) XX/XX/XXXX : Upon checking my acct. we discovered the larger amount of  {$3700.00} had been deposited on XX/XX/XXXX ( 6 business days after being told " up to 5 ... '' ) ; I talked with XXXX at Mr. Cooper who told me the {$350.00} would be wired to my acct. taking, " ... up to 7 business days. '' which means we've been waiting for 2 mo. for our  escrow refund! 
We have been purchasing real estate for over 26 years & have never dealt with anything like this ; if this company is allowed to cont. these practices they'll be collecting a very large sum of interest on someone else 's $ $!! 
XXXX XXXX XXXX XXXX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, in which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX IN XX/XX/year> XXXX XXXX XXXX / XXXX XX/XX/year> want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k.

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 168 In ( b ) - Civil liability for willful non-compliance 6. 7.

8. 9. 10.

Failing to comply with 15 USC 1692 ( g ) Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports Under 15 U.S.C. 1681i ( 7 ) Method of verification Violations under 15 USC 1681 a ( 4 ) right to privacy Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I am taking this matter very seriously, and I demand that you take immediate action to block and remove the fraudulent account from my credit report. I have provided all the necessary information to facilitate this process. I kindly request that you acknowledge this letter and provide a timeline for the resolution of this issue.

Your prompt attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and found many fraudulent accounts in my name that are affecting my ability to obtain fair credit.
Product: Credit reporting or other personal consumer reports

On Sunday XX/XX/year>, CARVANA LLC did 3 soft inquires and 1 hard inquiry into my credit. I did not initiate or authorize any credit inquiry by CARVANA LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX reported my auto loan as being in a charged off status to the credit bureaus! When in fact my account is and was current and actually due for the XX/XX/XXXX payment at that time. I called XXXX right away when my mortgage company advised me of this on XX/XX/XXXX. The representative opened a claim for me, stated they fixed the error and that this was their mistake. Today, XX/XX/XXXX myself and my mortgage representative called to see if we could get a letter of resolve and the representative told us that they had no record of my call and no claim was ever filed! We were then transferred to a supervisor. At this point the supervisor stated that the account was current and they would start a dispute with the credit bureaus to fix this but it would take up to 45 days to be corrected. I told them that I was set to close on XX/XX/XXXX and that this was not acceptable, especially since this was their error. She stated that they could not provide any type of letter confirming the mistake and that the account was not charged off and current. This is going to cost me my home and my deposit if I do not have this corrected by the XX/XX/XXXX ( 24 hours prior to closing ). The builder stated I would be in breach of my contract. I am only in breach because of this horrible error that XXXX has made and will not fix promptly.
Product: Debt collection

I was going over my credit report and seen FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate The FOLLOWING ACCOUNTS ARE NOT MINE : XXXX  XXXX # XXXX, AD ASTRA RECOVERY # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  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

Audi financial DID NOT GIVE NOTICE THAT THEY WERE USING A NEW WEBSITE AND PAYMENT PORTAL. I WAS NOT ABLE TO SUBMIT MY PAYMENT USING THE OLD PORTAL. I HAVE NEVER BEEN LATE OR MISSED A PAYMENT IN 14 YEARS. AUDI IS AT FAULT FOR THER INABILITY TO RECEIVE THE PAYMENT ON TIME AS THIS WAS MY PRIMARY METHOD OF PAYMENT. THEY COMPLETELY CHANGED TO A NEW WEBSITE WITHOUT TELLING THE CUSTOMER
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is blatantly not following the law and causing injury to me and my life. I have disputed the same address and account several times. The company keeps sending me dispute results saying that an address that is not mines is deleted from my credit report and on the SAME EXACT LETTER it shows its still on my report!!!!!! Under law I request a updated copy of my credit report with the address deleted and it still on my credit report!!!!! I have an email from the company stating that they did not report my loan late and they have corrected the information with Equifax for XXXX however EQUIFAX still reports it late!!!!!!!!!! No other credit bureas is reporting this information. This is so sad because its a national pandemic COVID 19 and I have to be abused by this big company who clearly has no regard for the law or what they are doing. How can you keep sending letters saying something is deleted but on the same letter have it on your report!!!!!!! I will write CFPB every second day until this is fixed!!!!!!!! ALSO THEY KEEP SAYING THEY DONT HAVE MY IDENTITY DOCUMENTS BUt I send it with every dispute!!!! Please somebody do something about EQUIFAX!!!! Im also forwarding all of this to my attorney
Product: Credit reporting or other personal consumer reports

I sent letters to XXXX, XXXX, and Equifax. The credit bureaus said they completed the investigation and everything was 100 % accurate.

According to the law 15 U.S. Code 1681a - Definitions : rules The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


I would like to know who did they talk to? 

How did they complete this investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoked to dem tuday and XXXX was rude as XXXX and hung up on me and said you people thenk yall know so much but dont im like why yaw aint process my id theft affidavit he like we got 30 days you peeople think dat you tell us how to do are work im like the law tell yaw how to due yaw work he like nope.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing because I have attempted to update my personal information with no success.
Product: Money transfer, virtual currency, or money service

I requested a refund in the amount of {$30.00} from user ID $ XXXX on XXXX, the user was sent funds in error, not intended for this person. The person has not replied, seems to be a scammer of some sort. A prior complaint was sent in regard to this issue, Cashapp replied by sending their terms and conditions, did not address issue pertaining to this error and scammer.. I do not send money to person ( s ) unintended for, it seems Cashapp will not step in, assist me in anyway. Providing their terms and conditions does address complaint, failing to take any action, additional complaints will be filed.
Product: Money transfer, virtual currency, or money service

I wrote a check to XXXX XXXX for {$1200.00} with a ( post ) date of XXXX. The check cleared on XXXX by Chase bank. The check number is XXXX. My institution is XXXX XXXX XXXX XXXX. 

Implicitly I don't consent for a check to be cashed until the post-date.
Product: Checking or savings account

On XX/XX/2017 my wife and I identified six withdrawals from our Bank of America joint savings account totally over {$21000.00}. One of these withdrawals was listed as payment for an installment loan ( {$8000.00} ) and five of the withdrawals were apparently payments applied to a credit card at XXXX XXXX. Neither my wife nor I authorized these withdrawals. This account is not an account we use frequently -- we most often make deposits and occasionally make transfers to our checking account. The account number would be known to few individuals other than myself, my wife and personnel at Bank of America. We did not lose our bank debit cards, so the only possible access to the account was through electronic access, which would have required an ID and password. 

We immediately contacted the bank, which was unaware that the account had been accessed by an unauthorized individual. We closed the account and the bank " opened '' a new account into which to transfer the remaining funds in the compromised account. Subsequently, but not immediately, the $ 21,000+ was returned but placed in the wrong account, one that belongs to my wife and daughter rather than the new joint account. Subsequently we moved the funds to the correct account. The new account was set to have federal withholding tax withheld without our authorization. Information in the old account was no longer accessible to us. 

I have repeatedly asked for an explanation of how our account was accessed and by whom. I have also asked what steps the bank intends to take to assure that such unauthorized access will not occur again. To date, I have received no explanation regarding the unauthorized access nor any statement about how such access will be prevented in the future. Indeed, Bank of America has offered no information and insists the problem is at XXXX XXXX which received the transfer of the unauthorized funds. 

I appears to me that there was a data breach involving my account that Bank of America is covering up. My wife and I have been greatly inconvenienced and are very concerned about the safety of our accounts.