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

I recently obtained a copy of my TransUnion credit report and noticed that you are reporting inaccurate information as a result of identity theft- in the Accounts with Adverse Information section. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

Account Name Account Number Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking ( Title 15 U.S.C. 1681c-2, a1-4 ) and block this transaction from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the numerous, unsuccessful attempts to remove fraudulent items from my credit report. Despite my persistent efforts, the fraudulent entries continue to plague my credit history, causing me substantial distress and financial harm. I first discovered the fraudulent items on my credit report. Since then, I have diligently reported this issue to your agency, providing extensive documentation, including police reports, affidavits, and dispute letters, to substantiate my claims of identity theft and fraud. Despite my repeated attempts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. A comprehensive and thorough review of my credit file to verify the existence of the fraudulent accounts. An in-depth investigation into the origins and validity of these accounts, which I assert are the result of identity theft. Kindly help me remove the following items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX, yet XXXXXXXX XXXX  is not removing this fraudulent account. XXXXXXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXXXXXX XXXX has refused to do this. The following is the fraudulent account : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chase account closed as I was a victim of check fraud from someone posing as a XXXX XXXX someone who identifies as a wealthy older woman who takes care of younger men financially. Checks were sent to me via email in which I was told to digitally deposit them where I found out they were fake the unfortunate way by my accounts closing.
Product: Mortgage

Hello, I am a XXXX XXXX XXXX Veteran. I have a Veterans Administration ( VA ) Mortgage with Midland Mortgage. I had a COVID-19 Forbearance Plan. I am able make my monthly payments again, but I am not able to repay the balance of my Forbearance. I have made a good faith effort to find a resolution to the situation, but Midland Mortgage has done everything possible not to cooperate. They continually claim that the documents necessary are either incomplete or that they were not received. I have confirmation that that the documents were received and I have resent them the same items multiple times. They are use the the threat of damaging my credit and taking away my home as a was to pressure me into paying the full amount, which I do not have. I have contacted VA about this, and VA said that they are improperly servicing the loan according to the COVID-19 Forbearance and VA Home Loan Mortgage regulatory guidelines. VA said that I should file this complaint. I have even filed a complaint with their Executive Staff.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a delinquent account on my credit report that does not belong to me, it was not opened by me. This account is completely unknown to me. 

The account name is : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters asking to remove the incorrect names and addresses on my credit report. First, I don't know how the information was provided because I dont have accounts of anything on my report I have NEVER lived at the addresses provided on the reports. Please be advised I have sent 5 letters at 5 different times asking to send a revised reports with the correct information on it. 
I have sent letters to XXXX, Equifax, and XXXX  on XXXX Please address the the bureaus any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} Please help me and advise how to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting my info inaccurately.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts and Id like to dispute this inaccurate information. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. These discrepancies are due to an error that the banks sent the wrong statements to the wrong address and I seek your immediate intervention to rectify it. The banks associated with these accounts confirmed the errors when I talked to them via phone call and assured me they will correct my accounts. 

XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

n accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681Section, 602 ( a ), states I have the right to privacy, XXXX XXXX XXXX, Section XXXX XXXX, also states that a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX c ( a ) ( XXXX ) XXXX XXXX, 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 XXXX years. Lastly, 15 USC 1681 s-2 ( a ) ( XXXX ) 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 in accurate.
Product: Debt collection

Atlas Financial Services has been hired by XXXX XXXX XXXX XXXX to collect a debt from me that is not mine to pay. A vehicle that had been sold by me nearly two months prior to the date of tow was involved in an accident and towed by XXXX XXXX XXXX. I provided WA State Department of Licensing documentation of the sale including the date of sale clearly showing prior to the tow occurring, and Atlas Financial Services continued to contact me with attempts to collect the debt. 

New owner information has been provided to Atlas Financial Services, albeit limited identifying information is available from me.
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. 

- AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, on my credit report are a clear violation of 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 : States a consumer reporting agency can not furnish an account without my written instruction.
Product: Debt collection

Onemain said that they sent me a notice to claim a refund from the lawsuit that CFPB filed against them for fraud. I never received the notice. Now I am still in a lawsuit that they have against me with no hope of justice. They say that I did not respond in the 60 days ' time frame. Onemain tactics is still illegal. How can they get away, you have proven that they are crooked. Yet they are able to lie and continue to operate.
Product: Credit card

I am not sure if this should be a credit card complaint or a bank complaint. I currently have a business account with Chase which is being closed citing the following : " This decision is not a reflection of your business or how you have handled your accounts and it does not affect any personal banking relationships you may have with JPMorgan Chase or its affiliates. We apologize for the inconvenience this business decision causes and want to help you transition your accounts. '' I have done some research online and I assume my account is being closed because my business involves XXXX or because I am registered with XXXX as a XXXX. Most banks consider XXXX as high risk, however I have not had any incidentals with this account. I now know that my account requires more maintenance and is more expensive than other accounts, so I understand the banks decisions to end our relationship. However, I have since received a letter from Chase about my personal Credit Card account : " After careful consideration, we closed your credit card account on XXXX XXXX, 2016, because our affiliate is ending its banking relationship with you. '' I assume this must be a mistake or oversight since the first letter said it would " not affect any personal banking relationships [ I ] may have with JPMorgan Chase or its affiliates '' and this letter says it is because " our affiliate is ending its banking relationship. '' My personal Chase Sapphire Preferred has never been used in relation to XXXX or for anything related to my XXXX checking account. I assume this error is the result of a banker ticking the wrong box or something. My brother is my partner in our XXXX business and was linked to our business account. His personal bank account which also had nothing to do with XXXX or our XXXX was also closed. Also, my Reward Points worth approximately {$1500.00} will be voided 30 days after my account closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of identity theft American Express, XXXX XXXX, XXXX AND XXXX have all violated U.S.C. Title 18 1001, 2071, 2073 ( falsifying records ) 15 U.S.C. 51692 ( e ) " false, deceptive, an misleading representation, in connection with the collection of any debt '' such as the false representation of the character or legal status...

They're purporting a debt under false pretenses
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXXXXXX XXXX XXXX XXXX )
Product: Debt collection

XXXX XXXX XXXX collection agency has been calling multiple times a day harassing me for a supposed debt I owed to an imaging center in XX/XX/2013. I have explained to them that I am willing to settle my debt if they would send me paperwork to my address, containing the amount they would settle for to get this removed from my credit report. They refuse to send me a bill and are asking for my credit card information over the phone without any paperwork to confirm that I have indeed paid and that this will get taken off my credit report. They are extremely aggressive on the phone and filled up my entire voice mail box. The screenshots are provided in this complaint with all the recent dates, the collection agency 's number is ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, there was written correspondence ( Commercial Affidavit ) sent to the Credit Reporting Agency Transunion. I explained very thoroughly about the information within the Consumer Credit File was incorrect and needed to be removed IMMEDIATELY, as it was causing major harm to a Federally Protected Consumer. It is denying me the RIGHTS that are granted to me to secure what is needed for family, personal and household purposes. I also included the account information that I wanted to be removed because the information was wrong and the third party debt collector had no verification or validation that the alleged debt was owed but Transunion decided to furnish the information anyways without any prior written consent and pursuant to15 U.S. Code 1681b - Permissible purposes of consumer reports they are in direct violation. I gave notice of my fee schedule for Transunion being willfully noncompliant by furnishing consumer credit files that are misleading and false. I have attached the letter that was mailed and also an invoice.
Product: Money transfer, virtual currency, or money service

In XX/XX/year>, the XXXX website engine had an advertisement in bright green bold lettering Cash App lawsuit settlement file a claim, so I did, wanting a claim # in the sent email ; we'll I don't have those anymore if at all one was sent. Submitted claim form w/ all required information ( personal information, email, etc.. ), including support documents that were addressed at a previous time, which was unresolved ( was to contact police, really? ), had fraudulent transactions, account closures & tried to contact w/ never resolutions. I was not contacted by any administrators from the Cash app lawsuit. Reaching on my own, I learned the names of 4 lawyers on my behalf in my region, contacted 3 of them, and 2 replies stating that my name was on the recipient list and the other gave me the email of the processor. I emailed him, and he sent a form & which I filled out & returned promptly. Am still waiting on some type of news.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 AN # XXXX XX/XX/20XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Money transfer, virtual currency, or money service

I was sending money to my sisters bank account in XXXX using the western union app but she is not able to collect the money because she is trying to register with XXXX but it is not working. I want to know if the money will still go to her XXXX account or I will get back the money
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter addressing inaccuracies and unknown entries on my credit report. Despite more than 45 days passing since then, I have not received a response. I believe I am being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days provides grounds for their immediate removal from my credit report. Since it has been over 45 days, they should be promptly deleted. I insist that these accounts be removed immediately, or I will pursue legal action due to the distress caused by this situation. Furthermore, my personal information was impacted by the Equifax data breach, raising concerns that it may have fallen into the wrong hands.
Product: Credit reporting or other personal consumer reports

I request the removal of these inquiries, as I have no knowledge of them and they were done by the company without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Trans Union are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Checking or savings account

I walked into a branch of Citi Bank XXXX XXXX XXXX XXXX XXXX, va. There was initially a misprint in my debit card. The teller denied me service due to the miss-print when it was clearly a mistake by them. She attempted to verify my account by the security word and pin, but I do not remember having a security word or receiving my pin in the mail. I attempted XXXX to ask to verify in other ways but they told me that my ID, XXXX and birth certificate could not be accepted. They were a bit passive on finding a resolution surpassed that and it felt as if they were profiling me ( only the teller ) by how quick and stand-offish the experience was. My account is know block for fraud during a time that I have to pay rent and bills.
Product: Checking or savings account

On or about XXXX XX/XX/2020, I filed a CFPB complaint # XXXX against HSBC Bank : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I was trying to open " No borders checking account '' at HSBC online with a promotion. I got a lot of tough time. Twice my application was rejected. I reached out to the customer service via chat - got different reasons every time ( essentially which means nobody knows the truth or telling the truth ). Each chat was for 45 minutes each. Finally i was asked to give a call to the online account opening team at XXXX. I called them at around XXXX XXXX  and talked to XXXX. She also trying to transfer me to somebody else - phone banking. Nobody at HSBC knows what they are talking about and simply not helping the customer. This bank should be asked to close out it's operation and go out of USA. It is not allowing US citizens to open the account. Application declined Application ID : XXXX Application declined Application ID : XXXX In the past - this online application was stating that i am not eligible for this offer. Both the chat persons confirmed this. Some or the other way HSBC causes issues for the customers.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - HSBC blamed XXXX XXXX XXXX for this issue. I created another CFPB complaint against XXXX ( # XXXX ). XXXX responded that they couldn't find any such things what HSBC is talking about.

On what basis HSBC stated all that - was it some cover up?
Product: Debt collection

I received a letter from this company about this alleged debt. I submitted a letter for Validation, requesting they prove the right to collect on this debt and to provide their license number for the state of Florida as it is illegal to collect on a debt without being licensed in the state of Florida. 

The information sent did not provide this information and completely ignored my request. 

I sent a follow-up notice stating that they failed to provide information proving their right to collect on this debt within the XXXX time frame, and requested the debt be removed from my credit as reporting it is now violating the FCRA. 

I did not receive a response from them and upon further review found that they do not hold a license in the state of Florida and are therefore attempting to collect illegally.
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. 
Also my account was closed for no reason and I tried multiple times to contact the company and get it figured out and see why and they did not help or fix the problem.