23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Got notice of added address from XXXX tried to dispute on line and message said to call I called on XX/XX/XXXX am and the woman said I had to contact portfolio recovery for them to remove it which if call them starts the clock on the account again so they are trapping me into calling them to remove the adress.The address belongs to a RV resort in port XXXX Florida. So this is a trap by portfolio recovery to call them for a debt I have been disputing since XXXX when I had XXXX XXXX XXXX. The continue to call few times a week even with different numbers how I know. They call with portfolio recovery number never leave a message and call back right away with a different number.
Product: Credit reporting or other personal consumer reports

LexisNexis Continues to report that my social security is not mine in spite of me furnishing my social security card and w9, they also report that i have an at fault accident on m clue report that is not accurate and they have been contacted by the insurance company and i have sent them a letter from the company showing that it is not mine.
Product: Checking or savings account

I have the records that show i cashed a check from a prospective employer who paid me cash up front buy needed equipment for a job i was being hired for ... cash check with my bank and talk to someone who says that once funds were release to my account that the check couldn't bounce or be removed from my account so i send off XXXX via XXXX to XXXX was found out ot be a scam .... but i was told that the funds once i could pay them out they couldn't be returned ... i waited three days before sending anything off the cashed check... well that was completely wrong .... and two days later after the XXXX had already been sent offf via XXXX they bounced the check in the first place leaving me down XXXX XXXX  plus fees for loan I took out when i realized i had been scammed and even told the bank i was scammed and they made it impossible for me to talk to the person who assured me that my funds would not be recalled after the scam artist had gotten me to cash their faulty check and send out funds =the bank said couldn't be recalled so i was out XXXX + fees for taking out a loan on my credit card to cover for over draft issues with the XXXX dollar check being returned after begin told false info from calling in to the bank first ... i have records that Ive taken down off of my account but cant get records of who gave me the false info and chase bank has never let me find who gave me te false info... .the check was returned XX/XX/2022, check initially cleared via online deposit XX/XX/XXXX ... i waited until XX/XX/XXXX to send off the first XXXX payment and was about to send off XXXX more before i got stopped up and decided to double check again to find out id been scammed and hoodwinked by my bank at the same time
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XX/XX/XXXX
Product: Vehicle loan or lease

To whom it may concern, " on XXXX XXXX XXXX  I applied for a line of credit. Navy Federal immediately denied my extension of my credit. This is 2 violations of ECOA/ Regulation B by denying me and further discouraged me from applying for an extension of credit '' In Good Faith Without Prejudice By : XXXX XXXX XXXX Federal Protected Consumer
Product: Mortgage

I am seeking to ask the owners of XXXX XXXX or Private Lender Company some questions regarding why they opted to not participate in the IHDA program whom was going to pay my arrears on the mortgage I am behind. Also to ask them if they are willing to take a certain amount from an insurance policy settlement from me and allow me to become current on my mortgage so that I can finish my renovations and receive the XXXX XXXX in escrow, Im sorry construction escrow. I didnt find out until closing this was a Construction refinance loan. An attorney I spoke with briefly mentioned some of the things I have described sound similar to bad practice violations. I am aware the lender is not obligated to participate. However the debt would have been paid. So it appears the foreclosure is being forced in a sense. I could be wrong though. Thats where Id like the expertise of CFPB
Product: Credit card

I signed up for the American Express Platinum card on XXXX/XXXX/XXXX with a welcome offer for XXXX membership rewards ( MR ) points after spending {$3000.00} within 3 months. During the 3 month period I spent {$3500.00} on my card and had a return for {$34.00} and credit from American Express for {$230.00} from their Amex Offers ( {$30.00} ) and the airline incidental benefit from the card ( {$200.00} ). American Express has set a precedent and has counted the airline benefit and offers as a payment and included that into their spend calculations in the past but even without counting that amount my total spend was {$3200.00} during the promotional period. Everything has been paid on time and I currently have a zero balance. I was awarded the XXXX points on XXXX/XXXX/XXXX once I had reached the {$3000.00} in spend with my card. I tried to make a transfer to an airline and it was blocked with an error code. I called American Express and they informed me that they are reviewing the account and it should be resolved within 6-8 weeks. 

It is now XXXX/XXXX/XXXX, 8 weeks after receiving the MR points in my account, and they are still frozen/blocked. I was told their review should be completed by now and when I called again this week they said it could take up to 10 weeks. The terms of their offer state : " Points will be credited to your Membership Rewards account within 6-8 weeks after charges appear on your monthly billing statement. '' So I have been told 6-8 weeks and their terms state that I should have them within 6-8 weeks and yet I do not have them available to me. I find this in breach of the agreement we made when I applied for the card. 

I did some research online looking into why these points have been frozen and found out that there are a lot of other Platinum Card holders that have had the same issue. I am not sure if American Express overextended itself or what the issue is but I think that they have broken the terms of their offer and I would like my points released so that I can use them. I have been a customer with American Express since XX/XX/XXXX and this is my first membership rewards card and I am pretty disappointed in the treatment that I have received. I would think they would offer better service to the customers of their premium card with a {$450.00} annual fee.
Product: Credit reporting or other personal consumer reports

I was a victim of domestic assault, incapacitated for weeks, and The XXXX refused me a reasonable accommodation to make a payment that I never should have owed in the first place. They instead used intimidation tactics, threatening to report me to the collections, and subsequently did just that. 

The collection company reports the debt to the Credit Bureau and then deletes it, only to re-add it repeatedly, just to drop my score. When they delete the collection account it does not increase my score back to same score it was before. This is harassment and intimidation. 

This is especially egregious because I do not owe said funds to begin with. I paid an application fee for myself and my roommate, but XXXX stated they were Unable to locate my account and that the payment didnt go through. I inquired as to what was going on as I had proof the account is, not only legitimate, but the funds were in my account at the time of payment. The XXXX refused to investigate the matter, and would not let me dispute the NSF fee. 

I was forced to contact XXXX XXXX  corporate office, the management company of XXXX XXXX, to report this dubious business practice. I was then contacted by XXXX XXXX at The XXXX, who advised I did not owe the NSF fee ; I only owed the application fee and administration fee. 

Keep in mind, I NEVER lived at The XXXX. I only applied to live there. XXXX advised me I did not meet the income requirement, so I immediately signed a lease elsewhere as I had to move immediately ( I was 9 months pregnant and a victim of domestic XXXX ). A few days later XXXX advised me they decided approve me after all- but it was too late at that juncture as Id already signed a lease elsewhere. I was advised the Administration fee was refundable if I did not get approved ; therefore I do not feel I even owe the Administration Fee. 

Obviously, there are multiple points of discussion here, but XXXX single point remains : I have been unfairly discriminated against and now harassed, and it needs to stop.
Product: Mortgage

My XXXX Mortgage was sold to LenderLive XXXX. I was switching banks in XXXX and called LenderLive to ask when my mortgage was due before a late fee. I was told XXXX mountain time. After all my bank accounts switched I paid my mortgage electronically on XX/XX/XXXX and thought all was fine. On XX/XX/XXXX I received a letter that my payment was overdue so I called and the agent told me payment was applied and all was fine. I then made my XX/XX/XXXX payment on XX/XX/XXXX like normal. In mid XX/XX/XXXX I received a letter stating my mortgage was now past due by more than 30 days. I also checked my FICO score and to my surprise it had suddenly fallen by more than XXXX points! I again called LenderLive and was told that all was fine. It took me going to XXXX supervisors before learning that my XX/XX/XXXX payment was received but never applied to my loan. It is now XX/XX/XXXX and my credit score has it been fully restored nor has LenderLive returned the {$60.00} " late fee '' they assessed. I feel like I 've been robbed and this is the worst bank ever. EXTREMELY SKETCHY.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.0 XXXX XXXX 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. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions 15 U.S.C 1666B : A creditor may not treat a pavment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

As an XXXX XXXX and longtime customer with Chase Bank, unfortunately I fell for a typical scam. I sent money to who I thought was my XXXX through XXXX. I've done this before and it didn't raise any flags. She wrote me off of social media which we use often to communicate, and asked for help paying a rent bill. I ended up sending the money through XXXX to the phone number that had apparently been hacked. I told my institution about the scam while the transaction was still pending and they said they would start the claim and I would get provisional credit in my account in the next 10 days. I haven't got any recovery and I've been denied XXXX times for the claim even though several other people were scammed as well and received their funds back with other banks like XXXX, and they filed after I did. I've also walked into the branch several times and they keep assuring me Chase Bank will refund me the money if I continue to call them ans escalate the scam and they aboslur can not help on the branch but I will definitely get my money back. It's sad the bank allows such a way to transfer money without any responsibility even though they had other regulations and obligations if this transfer was done differently. It's in their best interest to keep pushing customer to use XXXX so they never have to be responsible and can just say sorry you signed up for it.
Product: Debt collection

I started to receive notices in the mail for a charge off credit account from Synchrony XXXX or Synchrony Guitar Center. I have never had a credit card account from Synchrony this account is fraudulent and needs to be removed from my credit report and the collection agency needs to remove their account from all three credit bureaureports. I have attached my FTC Affidavit
Product: Credit reporting or other personal consumer reports

I am writing to express serious concerns regarding issues I have encountered with the credit bureau. Upon reviewing my credit report, I discovered several inaccuracies, including false account listings, inconsistent billing, unauthorized inquiries, and accounts that do not belong to me. These discrepancies significantly impact my financial security, and I urgently seek your assistance in resolving these matters.
Product: Debt collection

Told them I did not give anyone permission to get a phone in my name cause that is not my legal name I should not be responsible for bill
Product: Credit reporting

I attempted to get my free annual credit report online from the TransUnion website, and due to some error on their end, I was unable to do so. I tried a second time and got the same result.
Product: Credit card or prepaid card

opened multiple credit cards from local banks was approved two cards were used for store purchases and phone payments all issued through elan financial.opened these accounts for sign up bonus XXXX closed all my cards accusing me of fraud and lying on credit card applications they failed to mention i paid bill in full with my XXXX  checking account very humiliating to have card declined at supermarket.they have no problem mailing bill to my home yet want me to supply them with ss card license mortgage documents and bank statements .claim they required by law to do this i must be dangerous they should call US secret service..i would like my accounts opened and my bonuses.
Product: Money transfer, virtual currency, or money service

I was not protected by Chase Bank and their third party affiliate XXXX. On XX/XX/XXXX I was purchasing concert tickets from a friend and was told to XXXX ( since its used through each parties bank ) the amount of {$1200.00} for the tickets. Come to find out that the tickets were not real and after the recipient did not return the money chase was unable to help me. I filed a claim on the XXXX of XXXX and was told that Chase bank would update me on the status of my claim. It has been well over their window of 3-5 business days and they did not update me and I had to call chase and have them tell me that I was informed of the wrong protocols and procedures with the claim and that they could not help. Chase bank and XXXX has failed me with trying to recover this issue since I have had a high standard with chase and XXXX and have never had a fraud issues or banking issues in general.
Product: Credit reporting, credit repair services, or other personal consumer reports

A student loan issuer negligently processed three loans fraudulently identifying me as a co-borrower without my knowledge. The first loan date was in XX/XX/XXXX for {$7200.00}. The second loan date was in XX/XX/XXXX for {$15000.00}. The third loan date was in XX/XX/XXXX for {$12000.00}. Through the entire processing of the three loans, the student loan issuer did not contact me nor did I participate in anyway in the application process and had no knowledge of the loans until I was harassed years later with collection related phone calls and letters from the student loan issuer when the student who applied defaulted on the loans. The adverse information reported to the credit bureaus by the student loan issuer is inaccurate. The student loan issuers gross negligence in processing and approving these loans without verifying my supposed role as a co-borrower has put my credit history at great risk and has caused me a great deal of XXXX.
Product: Debt collection

Good Morning! 

Company XXXX XXXX XXXX  retruned Date Happened : Around all the problem to proof my retruned XX/XX/2020. 
Reason for the debt collector is because I had to returned the equiments in 14 days after the XXXX told me and I returned in 15 days, was the expalantion thar received from XXXX XXXX XXXX credit collection services employ XX/XX/XXXX at XXXXXXXX XXXX, after try to explain my reasons and he doesnt gave oportunity just said that I have to paid because I returned teh equiment 1 day later. 

So after I received the email from XXXX XXXX nobody ask me for debts, for me was a close case and they never send me notification untill XXXX weeks a go when receive this note. 

Add files to try help yours. 


Regards
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} 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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I sent disputes to TransUnion, XXXX, and XXXX regarding inaccurate information being reported on my credit report. In these disputes, I specifically listed the accounts in question and informed them of the violations they were committing against my consumer report. 

It has now been over 30 days since those disputes were submitted, and I have not received any response. I am attaching copies of all letters that were sent for your reference. 

I request immediate action to address this issue and ensure that the inaccurate information is corrected on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX act XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

While trying to obtain my first auto loan I was told by the dealership there was an auto loan closed on my account and sent to collections. The name of the loan company is EXETER FINANCE LLC Highest balance being {$14000.00}. I have no knowledge of this account and I've never opened an auto loan. This is causing me to not be able to obtain financing on a vehicle. It was also sent to a collection company XXXX XXXX XXXX Highest balance being {$5000.00}. This is inaccurate information please remove from my credit report. 

EXETER FINANCE LLC {$14000.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid a huge amount XXXX for XXXX Company didnt help fix my credit just collected money ( XXXX ) total Company name Global
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) And regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Are you familiar with something called 15 U.S.C. Section 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted.

15 U.S.C 1681 section 2. ( 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX