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

repeated unsolicited text messages, no Stop command XXXX XXXX CRDIT-REP0RT ALERT : XXXX DeIinquent ltems Found : Dispute By XX/XX/XXXX : XXXX : XXXX
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. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX Account name : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt or credit management

Lost job was not able to make payments. Family members and I became homeless due to being evicted from property at XXXX XXXX XXXX XXXX XXXX Now In Ohio I have health issues and is receiving treatments for my condition.
Product: Checking or savings account

I received a text from what I thought was JP Morgan chase fraud services stating that someone was trying to XXXX {$2000.00} out of my account and did I authorize the payment I responded with no about half an hour later I got a call from what came up as JP MORGAN Chase on my caller ID and they were stating that I did have an issue with my account in which they needed to transfer funds in the amount of {$1300.00} to myself through the XXXX payment portion of my chase mobile app to fix put a hold on my account and combat the people trying to steal money from my account in which I did so and the money did got transferred to someone else 's account when I thought it was staying in my account and I thought I was dealing with chase fraud services well I was a little off put about it so I went to my local branch afterwards and they said that no one had tryed to contact me through chase and I called the number back and it had the same voice prompts as the actual chase number they gave me the actual chase number to file a claim and they told I was involved in a phishing scam so I did file a claim and they said that because the it was through XXXX it might not be returned and I wouldn't have an update till the XXXX of XXXX and afterwards made a Police report to go with the claim still feeling uneasy I went and talked with a banker at the branch the next day and the woman I talked with was very concerned and confused on why it would take so long to do get a response and why I might not get my money back and was actively trying to work on my case then I guess she transferred out and was replaced by a different woman who also said that I probably would not see my money come back but she called and asked the status of the claim and the next day the bank sent me a notice stating that because both parties mutually agreed no action would be taken and the claim was closed in which I never agreed to such terms and called the online banking number right after and they said they tryed to recover funds but nothing could be done I tryed to contact the branch to speak with the woman I originally talked to I left a message and have gotten no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that the CRA remove all old addresses and variations of the spelling of my name to show a complete and accurate consumer report. The correct and accurate name should be shown as XXXX XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX GA XXXX. I have enclosed my drivers license and a copy of my recent utility bill as proof of my residence address, please remove address XXXX XXXX XXXX XXXX XXXX GA XXXX as shown on my credit report dated XX/XX/2022, as I have not lived at this address for quite some time, and since many other people have been using address XXXX XXXX XXXX XXXX XXXX GA XXXX in the years since I was there I would like it removed to limit my risk of identity theft by preventing old bill statements or other personal mail from ending up at someone else 's address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
s/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX WELLS FARGO XXXX
Product: Credit reporting or other personal consumer reports

I Found fraudulent inquiry in my credit report.plese remove it XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/25 a FTC report was initiated with regard to unauthorized inquiries. Experian has failed to remove these inquiries to date, therefore negatively impacting my consumer credit report. I have attached a copy of the confirmation email including the FTC report number. This erroneous reporting of these unknown inquiries is a direct violation of section code 15 USC 1681 with definition to maximum accuracy in which these inquiries are NOT.
Product: Checking or savings account

I received a text message alert from Bank of American to confirm if I had open a checking account online. The account was sucessfully openened. Theh provided me with the informaration of the scammer. They usedd address XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX, Florida - PH XXXX. The account was openened on XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On several attempts, I have filed a case with Experian about me being a victim of identity theft. I have attached countless police reports, my ID, utility bill and social security card. I also filed FTC identity theft report as well and Experian won't acknowledge it. Experian tells me that they won't reopen another dispute no matter what information I have and I have to speak to the companies reporting on my credit profile. It is consumer law that if there is any inaccuracies or any doubt that any of this information can be inaccurate by law the credit bureaus must remove accounts from the credit profile. I have printed out my credit report and its in errors all throughout my credit profile. I will upload my police report, my credit report and the response from Experian not willing to delete the inaccurate information and they're going against consumer law. I am taking this step before filing a lawsuit.
Product: Credit reporting

I am a XXXX member. I received an alert that my credit score dropped XXXX points, because my utilization decreased on my XXXX XXXX account by 5 %, now historically when this happens my credit score rises by a point or XXXX. Immediately I called XXXX and Experian, of course XXXX did not accept any accountability in the matter and directed me to call Experian. I spoke with XXXX at Experian who stated it was a very complicated matter to explain and nothing further. I asked to speak with a supervisor, then placed on hold and told to leave a number and the supervisor would call back XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. Incorrect Account Information : There are inaccuracies in the account information reported, including : 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 XXXX XXXX XXXXhese inaccuracies have unfairly impacted my creditworthiness. 

Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties. 

I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA. 

Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA. 

Please acknowledge receipt of this letter and inform me of the actions taken to address these concerns. I can be reached at XXXX or XXXX. 

Thank you for your immediate attention to this matter.
Product: Mortgage

I have been working with a realtor over the past several months specicialy 12 months. This realtor has done a horrible job and really did NOTHING to help me with this short sale. I totally mislead me into believing that he was actually working for me. He was never able to actually get a legitimate buyer and able to get the bank to work with us to complete the short sale. Now I have an attorney and a new realtor ; helping me get thru this process. I have an offer that I am going to accept and submit to BSI financial. I would ask that BSI stop the sale and allow me additional time to effectuate this sale and avoid foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 604 A Section 2 : it states a consumer reporting agency cannon furnish a account without my written instructions. 

15 U.S.C 1681 section 602 A. states i have the right to privacy also with further research per. IRS, I learned when a cancelation of debt is {$600.00} or more a 1099-c must be filed therefore this account should no longer be listed as a charge off ; it is however income and income isn't apart of consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired XXXX XX/XX/XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX XXXX, DC XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Student loan

XXXX   XXXX   XXXX    : I finished my 9 month student loan re-habilitation to get out of default and my loan was transferred to Great Lakes.        XXXX   XXXX   XXXX    :  I setup a {$1 60.00} monthly auto-pay through Great Lakes at mygreatlakes.org for the   XXXX   of every month.   I make a {$160.00} paymen t ( not a uto-pay ).         XXXX   XXXX   XXXX     : I receive notification my  XX/XX/XXXX  payment did not go through due to " invalid routing number '' they say.   I contacted support and they re-entered all of my banking information.   Support says its fixed, but my  XXXX  payment is never processed.       XXXX   XXXX   XXXX   : I receive a notification I am enrolled in auto-pay for {$160.00} and my next payment will be withdrawn on  XX/XX/XXXX    XXXX   XXXX   XXXX   : My first auto-pay for {$160.00} is processed successfully.       XXXX   XXXX   XXXX   : I receive confirmation my next auto-pay will be  XX/XX/XXXX    XXXX   XXXX   XXXX   : My second auto-pay for {$160.00} is processed successfully.       XXXX   XXXX   XXXX   : I receive confirmation my next auto-pay will be   XXXX     XXXX   XXXX   XXXX   : No auto-pay is made, and I am not aware of this until I check my account statements in  XXXX .       XXXX   XXXX   XXXX   : They withdraw {$69.00} for an auto-pay on a date I did not schedule, and an amount I did not authorize.       -- -- I am going to make an attempt to correct this with their support on Monday, but I feel this is a pretty grievous mess-up on their part and am very concerned my loan status could be affected by their mistakes.     I also feel like they are doing this on purpose so that now I have to pay more interest ...
Product: Mortgage

XX/XX/2017 to the present we have been charged a corporate advance fee with a total amount exceeding {$27000.00}. We have been told that this fee covers fees charged by the servicer but have never been given an itemized statement showing why these fees are justified. We have had problems through the years with employment, change of employment, lack of employment, health issues and reduced income. We are currently in a payment plan and on two months from being done, our payments are {$1400.00} a month for 6 months. 

We are seeking an explanation an audit of our mortgage, money to be returned or credited back to our account and the information to contact our servicer ourselves.
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: Money transfer, virtual currency, or money service

I had a Venmo account in which I used as a way to easily transfer funds to friends/family members who also had Venmo. You can attach your debit card and add money to your Venmo account/balance and from there use a designated Venmo card ( debit ) they provide you. I had added nearly XXXX to my Venmo account and used my venmo debit card for every day needs. My account was frozen the first time due to violating the user agreements. I was not told which agreement I violated as I was told by the customer service rep that they were not able to see that part of my account. Approx 4 business days later my account was unfrozen. I was able to continue using the services as needed. Then my account was frozen again for the same you violated user agreements and also we need an unexpired government issued ID. Which I provided. I told the customer service agent I was connected to that I submitted it and was told again 4-5 business days. I was now told my account is permanently disabled. I have over 800.00 sitting there that I do not have access to and their response is it can take up to 180 days to get a response and hopefully be resolved. I have transcripts of every chat and email exchange if needed. I can be contacted at XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian about XXXX XXXX XXXX and their turning my account over to collections while I was in forbearance. I requested forbearance and was given forbearance. I requested forbearance be stopped and wanted to pay whatever I owed. I contacted XXXX XXXX XXXX and requested them to take the payment from my checking account as was done normally ( for XX/XX/XXXX ) and I received notification from Experian that my account had gone to collections on XXXX XX/XX/XXXX. I called XXXX XXXX XXXX to find out why this was done and no reason was given. I have a VA loan and I should have been given the option to pay the forebearance amount as I asked them to take the amount out of my checking. The CARES act gives me rights to ask for forbearance and reschedule the payments and this was not done. I asked to stop forbearance and asked to make the payment and nothing was done and no attempt to contact me was made before turning to a collections agency. Both XXXX XXXX and Experian are wrong. I have some rights.
Product: Mortgage

The problem with my Bank of America 15 year mortgage started around the time the pandemic did. I was making my auto-payments as usual in early XXXX. Then I received an escrow statement showing a higher amount and an increase in my payments, which had not changed in 13 years. I was on XXXX County 's REAP ( tax deferral ) program. They had erroneously sent a bill to the bank. The bank paid it even though I was still on the program. When I learned what was going on, I paid made a couple of higher mortgage payments until I calculated the correct amount ( which did not match theirs ) based on my Homeowners Insurance and taxes. I went off the REAP program later in XXXX because I moved to a new home. I got the county to reimburse Bank of America for the tax payment, and I have a record of them having done so in XX/XX/XXXX. Now they are saying I still owe {$650.00} because I " missed a payment, '' a lie which I can prove. I pay through my Bank of America checking account automatically ( for over 14 years now ), and have maintained excellent credit. This is not the first time I have been scammed during a crisis. In XXXX when the stock market crashed, I lost my job and I also had a scam that cost me thousands of dollars. I finally crawled out of that hole. Can you help me?
Product: Credit card or prepaid card

I got harrassing phone calls from XXXX XXXX. They claimed i had an unpaid Paypal credit card. I said I had NEVER Had a paypal credit card i got letters and many angry, harrassing calls from XXXX XXXX. 

I have a fuXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They asked me to confirm personal info which I challenged and they said they would mail me some report. 

I got a letter, attached, from XXXX XXXX. I looked up Synchrony Bank. They apparently bought Paypal Credit. Someone must have FRAUDULENTLY used my ID to charge over {$900.00} on a Paypasl credit card. With interest, due to this FRAUD, Syncrhony Bank claimed that I owed more than {$1200.00}. 

I got more harrassing phone calls. 

They sent a form to fill out to dispute the claim and I took a Saturday XXXX  to go to a bank and have it notarized. I scanned it, emailed it in and mailed it in via USPS.
Product: Checking or savings account

XX/XX/XXXX I made a purchase from a store called XXXX XXXX to provide as a gift for a XXXX XXXXXXXX. After a month of no order update regarding shipping and not being able to contact the store via email or social media, I opted for a dispute with the bank i made the purchase through being Credit Karma Money XX/XX/XXXX where I received a provisional credit for the {$65.00} that was spent. I received an email XX/XX/XXXX regarding the dispute and saw {$65.00} pulled from my account. When I called to find out what happened, they claimed that the dispute failed because the items where delivered. I never received the item and the XXXX XXXX website has been down since XXXX. When I asked how did they came to that conclusion, they could not provide an answer and claimed to have escalated the case XX/XX/XXXX. I have yet to hear back a week later and when I called in I was told that it hasn't been looked at yet and still processing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just became aware of a credit inquiry that I did not authorize and it is damaging my credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/10 I sent my sister XXXX XXXX {$1000.00} for rent. XXXX conf # XXXX. On XXXX My sister said she never received the XXXX. 
XXXX I called Wells Fargo to file a claim case # XXXX fir {$1000.00}. Wells Fargo told me to call XXXX and complain to the. I asked for XXXX 's phone number and they told me to pull it off XXXX. The number on XXXX was XXXX, ( SCAM number ) so I called XXXX and they had me go onto my Wells Fargo account to pull the money back. He walked me through the XXXX program which I downloaded. He had me fill out the form and said we would be getting the money backThey sent a wire transfer to XXXX XXXX and took {$1200.00} They scammed all my checking account money. 
I went to Wells Fargo and filed a Scam/Fraud case # XXXX The wire transaction case # is XXXX I am XXXX XXXX XXXX and live on Social Security XXXX I have no money to live on they took it all. Please help me. XXXX