23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

During the height of the COVID-19 Pandemic, someone accessed my personal information and proceeded to open a checking account with a banking institution. Once opening an account they proceeded to use fraudulent checks to deposit and withdraw in an account in my name. I had no knowledge of this account as this wasn't an institution that I banked with previously. I was made aware of the problem once a notification was sent out via mail that the particular had been closed out. I tried calling the bank 's customer service representatives however during the pandemic waiting hours on the phone were 4-5-6 hours long. As a result, I was not able to get in contact with the banking institution until this year. All of this has affected my relationship with other institutions and negatively affected my credit. The particular institution did send me an identity theft packet and this complaint is for the records of the FTC and the bank. The checks were deposited and cashed in Mid XXXX, Early XXXX of 2020, and the amount of the checks were {$1700.00} that is said to be owed from the fraudulent checks deposited into the account opened using fraudulent information. Chase Bank soon thereafter closed out the account with a negative financial inquiry under my name and identification.
Product: Credit reporting or other personal consumer reports

I am in the process of securing a mortgage on a second home. I have a broker. She sent me an email about opting out of credit bureaus pre screening. I didnt see it in time. Within 10 minutes of me seeing the email, the calls started. 37 on my cell phone in less than 24 hours so far, 4 calls on the home phone and at least 9 text messages.

I have since researched this ridiculousness and have included my information on the opt-out website. It is only good for 5 years! I also checked my info on the do not call lists which I DID do years ago and my info isnt on the registry list! 

Unfortunately, my information has already been sold and Im livid. Im reaching out to my congressman and Senators. Im also reaching out to each credit bureau. This blurred line that allows them to sell my information is wrongand should be as illegal as it can be.

Why is the onus to opt out on the individual?! They should only be allowed to have people opt-in.

I want the 3 credit bureaus to NOT be able to opt me in at their convenience. I shouldnt have to hunt them down to not sell my info.
Product: Credit reporting or other personal consumer reports

USPS CERTIFIED LETTER TRACKING # TO EXPERIAN XXXX On XX/XX/2024 I sent a letter to the credit bureau. The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, demands that they provide actual proof the information was verified, not a computer generated confirmation. They never provided : 1. The names and business addresses of each individual with whom they verified the information with above, so that I may follow up. 2. The date they contacted the individual furnishers of information. 3. The method of communication they used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. I was never given this information Bureau ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 1. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX 2. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 3. Validate Account XXXX XXXX Account Number  : XXXX Please supply information on how you have verified this item. 4. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 5. Validate Account XXXX XXXX Account Number : XXXX 6. Validate Account XXXX XXXX XXXX Account Number XXXX Please supply information on how you have verified this item. 

Delete and remove accounts immediately 1. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 3. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 4. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 5. Validate Account XXXX XXXX Account Number : XXXX 6. Validate Account XXXX XXXX XXXX Account Number XXXX ( Please supply information on how you have verified this item.
Product: Credit card

I made a purchase at XXXX XXXX on XX/XX/XXXX at XXXXXXXX XXXX, using my Cash App card with the last four digits " XXXX. '' The total amount was {$47.00}, and I was assured a refund. According to the given timeline, the latest date for the refund to be processed should have been XX/XX/XXXX, considering a maximum of ten business days, excluding weekends and holidays. 

However, as of XX/XX/XXXX, I have not received the promised refund. I have been in constant communication with the merchant, XXXX XXXX, who informed me that they have been escalating the issue and that someone would reach out to me by the next business day. Unfortunately, I have not received any follow-up calls as promised. 

I have reached out to XXXX XXXX ' XXXX delivery support multiple times, and each time, I am told to wait another 7-10 business days for the refund to be processed. Despite disputing this matter three times, I have not received my money back. Ive also tried to dispute this issue with cash app and Ive been denied four times.

I have attached screenshots of relevant dates, receipts, and reference numbers for your verification. I kindly request your assistance in resolving this issue and facilitating the return of my funds. Your prompt attention to this matter is greatly appreciated. Thank you. 

I've already lodged a complaint with the XXXX XXXX XXXX but they were unable to assist. Cash App has repeatedly rejected my disputes, claiming that my payment method aligns with the merchant 's policies. While I did make the initial transaction, I was promised a refund that has not been delivered, and I have emphasized this in each of the four disputes I've filed. Today, at XXXX XXXX Cash App began blocking transactions from my account, which I consider to be unethical and unjust treatment of their customers. Once I receive my refund, I intend to sever ties with them and share negative reviews about their service wherever possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Furnish name- XXXX  XXXX, Account # XXXX has violated my right. 

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. its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I purchased a used vehicle that was financed through Veros Credit. The vehicle was charged off in XXXX of XXXX by Veros Credit, However, Veros credit continued with threatening collection activities to include threats of repossession of the vehicle all the way through XX/XX/XXXX. 

I never received a XXXX from Veros Credit for the charge off that they claimed on my personal credit report which is still showing today XX/XX/XXXX as a charge off on my personal credit report which is impacting my overall XXXX score as a result of the incorrect reporting. 

I made an agreement with Veros credit to pay an agreed upon balance they claimed was still owed on the vehicle although they received a tax credit from the IRS for the written off balance owed on the vehicle. The reason why I made the agreement was because Veros Credit continued to threaten collections and repossession of the vehicle until the balance they claim was owed was paid on the vehicle. Therefore I am requesting a XXXX from Veros Credit which they were supposed to have provided to me once the account was charged off. 

I paid the agreed upon amount they requested and still had to wait over 4 months from Veros Credit to release the title to my vehicle. Veros Credit has caused a great deal of stress upon me during my dealing with their customer support and other departments within this past year alone regarding the account. I no longer choose to do any type of business with Veros Credit ongoing in the future and at this point, I am requesting a copy of the XXXX from Veros Credit that they were supposed to have provided to me once the account was charged off, so that my taxes can be prepared properly. 

Based upon my personal credit report, the account was charged off in XXXX of XXXX, however, Veros Credit continued to go after collections on the account through XXXX which resulted in my paying an agreed upon amount to settle the debt that they stated that I still owed on the account, although they received a tax credit from the IRS for the charge off amount on the account.
Product: Debt collection

I am writing to file a formal complaint against Jefferson Capital System for violating the Fair Debt Collection Practices Act ( FDCPA ). Specifically, Jefferson Capital System failed to inform me of my right to dispute the debt and did not provide notice at least five days before furnishing information to my credit report. 

Today I checked my credit report and I discovered that Jefferson Capital System had furnished information regarding an alleged debt to my credit report. However, I was never notified of my right to dispute this debt, nor was I provided with any notice at least five days prior to the reporting, as required under the FDCPA. 

Under the FDCPA, debt collectors are required to provide written notice of the debt and inform consumers of their right to dispute the validity of the debt within 30 days. Additionally, they must send this notice within five days of their initial communication. Jefferson Capital System has clearly failed to meet these requirements, which constitutes a violation of my rights under the FDCPA. 

I am requesting that the CFPB take immediate action to investigate this matter and enforce compliance with the FDCPA. Specifically, I demand that the erroneous information furnished by Jefferson Capital System be deleted from my credit report promptly.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX 
Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX IN Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Being a victim of identity theft has been such a traumatic me feeling experience that left me feeling violated and vulnerable. I have suffered greatly. I found out that somebody used my personal information and use it to open credit card take out loans and make fraudulent purchases leaving me with significant amounts of debt that Id didnt incur. Its frustrating and overwhelming to deal with aftermath. I look forward to resolving issues and restoring my credit with the help of FTC. This accounts for the results of a person company using my personal information without my consent to obtain goods and services fraudulent and I have not benefited from any of it. I demand this account be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters to XXXX, XXXX, and Transunion since XX/XX/18 asking the bureaus to remove derogatory/inaccurate information from my credit report on the following accounts - XXXX XXXX, XXXX, XXXX XXXX, and XXXX. Since XX/XX/18, I have sent letters on XX/XX/18, XX/XX/18, XX/XX/18 to no avail. Per the FCRA, the bureaus have 30-days to respond and I have yet to receive anything. I am requesting that you look into this situation and have it resolved.
Product: Checking or savings account

Ordered a grant writing service from a female named XXXX XXXX who uses the name XXXX XXXX She didn't deliver on the service. She wasn't clear on the payment schedule and terms either. It was essentially theft by deception. XXXX agreed to a full refund and didn't make good on it like most scam artists. I was billed three times at {$36.00} for a total of {$100.00}. Chase was provided all the letter from XXXX agreeing to a refund. Chase was provided the return of their own form even though the date they mailed they form was the date they required the form back, etc. 
Chase has processed 2 of the 3 required refunds. This is not an oversight. Please provide the rightful refund. 

Chase claims they have not received the required document for the last refund. Chase 's claim isn't valid because I took the form into the bank on XXXX XXXX XXXX XXXX, NC and the staff member verified he had sent the document to the claims department. 

Additionally you have the email from the merchant agreeing to a full refund.Any further delay is unreasonable and of Chase 's own error.
Product: Debt collection

I requested that the creditor provides validation of the debt they are attempting to collect and they have not done so I requested this to be done on X/XX/2017 and I have not received any correspondence yet it has Ben almost a month. The collection amount listed on my credit monitoring site for {$1800.00} and I was never aware of such debt in writing
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to give this company another try after they failed the first time to provide services as advertised. I was skeptical but after seeing the results from my mother 's credit scores, I signed up in XX/XX/XXXX of this year. I shared my previous experience with XXXX, the representative who signed me up. She promised me that she would be one of the persons working on my credit file. Since signing me up in XX/XX/XXXX, I have not been able to speak with her. When I call and ask for XXXX, I either get transferred to her voice mail or am offered to speak to someone else. After using Continental for almost 7 months, I am not satisfied with the results. The representatives continue to provide me with the same information after every round of disputes are completed. I have done the majority of the work on my own. Most of my negative credit are from my student loans and inquiries so I don't understand the lack of results. All they are doing is taking {$79.00} a month to do absolutely nothing. I recently requested to speak with a supervisor to express my concerns. His name was XXXX XXXX. He apologized and also agreed that I had not been given enough information on my file to know how much progress had been made. He explained my positive and negative credit and told me he would follow up with me on XX/XX/XXXX to let me know my credit score. Since then I have not heard back from him. At this point, I want my money back. I can dispute my credit on my own and at no cost. I am disappointed once again and embarrassed that I gave this company another try to help me improve my credit score. It seems as this service is not for everyone. The information is not consistent and there is too many people working on the customer 's credit file. I want my money back and will do my own credit repair.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX : {$14000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX  XXXX Balance : {$360000.00}.
Product: Mortgage

I requested a payoff via email. Although the company responded, they did not provide a payoff quote and they also asked me to provide a payoff good through date. My objection is the the fee they are proposing to charge which is noted as up to {$30.00} for a payoff quote in the pasted statement below. I don't feel that I should pay a payoff quote fee to a mortgage company that is in the business of servicing my mortgage. Please forward this to your leadership and make them aware of this onerous fee. Congress should not allow mortgage companies to charge consumers such high fees to provide something that likely takes 1 push of a button. 



________________ From NEWREZ Mortgage _____________________________ Furthermore, if you wish to obtain the payoff statement, we can generate it for you if you provide the following information : 1. Payoff good through date 2. Whether you want the payoff statement mailed or faxed to you. 

Note : The good through date must be within the next 30 days.

Alternatively, you may order it by any of the following options : Option 1. You may call the customer service number listed below and place a request for a payoff quote via IVR.

Option 2. You may email us to request a payoff quote at XXXX.

Option 3. You may also fax a written payoff quote request through our fax XXXX XXXX XXXX XXXX.

Upon receipt of your request, a payoff statement will be faxed or mailed to you within 4 business days depending on your account product and status. You may be assessed a {$30.00} Payoff Quote Fee/ Demand Fee ( as permitted by state laws ). 

For your protection, we have removed any personally identifiable information from your original inquiry. If you have any further questions, please contact us through our website at XXXX  or call Customer Care at ( XXXX ) XXXX during the following hours : Monday to Friday : XXXX XXXX XXXX XXXX XXXX ET Saturday : XXXX XXXX XXXX XXXX XXXX ET NewRez XXXX XXXX Mortgage Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Ive been a veteran since XX/XX/XXXX. I receive XXXX XXXXXXXX compensation. And I been receiving XXXX since XX/XX/XXXX. Ive been unemployable since XXXX, so any benefits received in my name is government protected. Well XXXX XXXX been taking unauthorized payments for credit card debt and car loan debt, that was late, for 6 years now. 

They recently took a family members amended tax return that came to my account to pay my debt in full. 
The family member had no access to my account for over 5 yrs. But the return went there, in their name because that was where their original return went back in XXXX. Because that was their only account at the time. So even though the member was no longer on the account, or had access to the account, navy federal used their money to pay off my debt, now leaving me responsible to pay them back. What made it so bad is that the credit card was closed back in XXXX of XXXX and was in collections as written off. 
Navy federal sent a settlement for both debts, for a fraction of the cost of the debt, the same day the money cleared, in garnished the full account of both debts before I ever seen the emails. 

They took {$14.00}, XXXX of someone elses money. This was XXXX XXXX. I got contacted by the IRS and the bank who sent it on XXXX XXXX requesting I return it. Navy federal had done this, in never even took the time to contact me about this debt being paid in full. After talking to several representatives, they refuse to return the money to the bank that sent it. They claimed it didnt matter that the member was no longer on the account. Or that the ACH deposit wasnt in my name. It came to my account so they have the right to take it. Honestly, I believe navy federal took it because they saw it was a family member. Because any ACH deposit sent to the wrong account should be returned. Especially if they name doesnt show up on the account the money is being sent too. The owner of those funds been removed from acct ending in XXXX long before now.. They even opened up their own account with navy federal. Navy federal has contact with owner of funds. And could have reached out to verify funds sent to wrong account. So the department that processed the transaction, linked us together in justified using their funds to pay my debt.
Product: Credit reporting or other personal consumer reports

I would like to dispute off these inaccurate items on my credit report listed below. 

XXXX : XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX XXXXXXXX Account Number : XXXX {$640.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX TransUnion : XXXX XXXX XXXX Account Number : XXXX {$640.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX