23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A loan was taken out in XXXX  for the amount of {$390.00}. The problem is it was under my old address and name. That debit was sold to XXXX which I called and followed up with a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular item in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud : XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX Date of inqXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

Starting XX/XX/23, someone started charging, withdrawing, or making XXXX transfers from my accounts, checking and credit card account. Wells Fargo closed my accounts and issued me new cards several times, but the fraud continued. Wells Fargo refused to replace the money taken from my accounts. I was told in two different letters from Wells Fargo that I either did withdrawals or authorized someone else to use my account. One of the letters told me that they would not refund me for {$600.00}. The other letter refuse to pay the claim of {$990.00}. both letters came from Wells Fargo claims assistance center online fraud claims
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing and unresolved issue of fraudulent items on my credit report. Despite numerous attempts and providing extensive documentation to have these inaccuracies corrected, these fraudulent items continue to appear on my credit report, severely impacting my financial standing and credibility. 
I demand immediate action to rectify this matter. I expect a thorough investigation into why these fraudulent items continue to persist on my credit report despite multiple requests for their removal. Additionally, I require a detailed explanation of the steps being taken to resolve this issue and a clear timeline for its resolution. Also, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the ongoing presence of these fraudulent items on my credit report. They have negatively affected my ability to obtain credit, secure loans, and pursue other financial opportunities crucial for my financial stability. The following items should be remove as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1800.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$750.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance XXXX {$18000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Documents were supplied to Equifax on XXXX as part of a dispute. They were not supplied to the merchant. The dispute came back without an error being corrected. When I requested a written correspondence with the outcome of the dispute, I was told by multiple individuals that they do not send physical correspondence in response to a dispute. 

This is specifically in regards to complaint XXXX
Product: Debt collection

REF : XXXX Original debtor : XXXX Amount : {$880.00} I have no received any written notice about this debt. Ive been disputing this debt monthly and daily by calling original debtor. Its been well past 30 days and have not received any correspondence agreeing i owe this debt. I have no knowledge, Ive never obtain any goods/services to this company at any point. Please remove this from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sir or maam The credit beruaes are in continuous disrespect of the laws. I have showed them several times how they are violating the Fair Credit Reporting Act. 

In according to 15 USC 1681B ( 1 ) do not have written permission.

According to 15 UsC 1681I ( 5 ) THE CREDIT BEREAUS HAVE TO MIDIFY OR DELETE ACCOUNTS THAT ARE NOT REPORTING ACCURATELY.

ACCORDING TO 15USC 1681 I have the right to privacy According to 15 USC 1681s-2 a person shall not furnishany information related to the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) reporting information after notice and confirmation of errors ( XXXX  ) a person shall not furnish information related to a consumer to any consumer reporting agency if ( XXXX ) The person has been notified by the consumer at the address specified by the consumer for such notices, that specific information is inaccurate and the information is in fact inaccurate. 

I can continue to go on and on and someone needs to hold them accountable for this. 

I have sent documentaion and I continue to receive generated responses and no follow. This has caused me great distress.
Product: Bank account or service

I tried to consult with chase bank about reopen a checking account but they refuse to do it because they saw a certain transaction about a forge check after I gave my personal information to a person I do not know of from social media chase put my checking account on restriction and permanently end my relationship by switching banks like XXXX XXXX XXXX or XXXX or XXXX and then when I ask when it is going to clear up they do not give any answers and they do not care about former costumers coming back to chase so it will be challenging to open an account I made a huge mistake in the past but chase do not get second chances or nothing the lesson is never give someone your personal information nor password because once they hack accounts and think it is you there will cut you off like that I almost got thrown in jail but at least I filed a police report on a person who steals my identity and hack my report so yeah chase do not care about reopening accounts for the future and do not give answer which strictly NO!!!! 
What can I do to make my financial status feel protected? chase do not want my money because of fraud and I 'm trying to get another chance. What can I do? 
What can I do?
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint to request the immediate investigation and correction of inaccuracies and fraudulent accounts on my credit report. Despite multiple attempts to resolve these issues, including letters sent by me and my attorney, the process has not progressed sufficiently. It has now been over 65 days without resolution, which is an unreasonable delay and a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I have attached the following documents to support this complaint : Affidavit Identification ( ID ) Social Security Number ( SSN ) Supporting bills Fraudulent Accounts : The following accounts are fraudulent and need to be deleted 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 XXXXXXXX XXXX XXXX Inaccurate Reporting of XXXX XXXX : Several accounts inaccurately report late payments on XXXX while other bureaus correctly indicate no late payments : XXXX XXXX XXXX  - XXXX ( Never late ) XXXX XXXX - XXXX ( Never late ) XXXX XXXX XXXX - XXXX ( Paid in full, never late ) XXXX XXXX  - XXXX ( Never late ) This inaccurate reporting constitutes a violation of FCRA provisions concerning the accuracy of credit information. These errors are causing significant harm to my creditworthiness and hindering my ability to progress in life, including pursuing housing and financial opportunities.

Request for Immediate Action : I urge the CFPB to expedite this process and demand that the credit bureaus and creditors comply with FCRA regulations by investigating and correcting these inaccuracies immediately. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I have actually opened this case before but I can't access my email in XXXX mail because I reset my password. What happened was that XXXX scammed me by changing the charges after I hit pay end of XXXX. I called citibank that same afternoon and explained the situation. The staff said they can cancel the charge if I cancel my card and got a new card with a new number. I agreed and we did that. I also used a different credit card and made a whole new hotel booking. But I still got charged. 

For a couple of months, contacted them over the phone and via chat asking the to dispute this charge. The promised me that it taken off my account. One said that it's fraud because it wasn't what I agreed to pay, another told me that it's a mischarge or something of that sort. They kept reassuring me that the charge was taken care of and wouldn't go on my account. Then the charge was then off for a few weeks. Then they put the charge back on again. I'm sick and tired of replying to them. 

I would never have made a whole new booking if the citibank staff hadn't agreed to cancel the charge in the first place. Now I'm supposed to be paying more than double of the original hotel booking? 

The last time I complained here, they told me that I can not get records/ transcripts of our conversations so I can't prove anything. I only have screenshots of one of my correspondence with them, but you can see that they told me the charge was taken off.
Product: Money transfer, virtual currency, or money service

I tried to enabled my Base coin account although I disabled it by mistake, But the only thing they let me do is to sign in, but for some reason it keeps kicking me out because it will no longer excepts my ID for verification purposes, So i am back from the beginning to get back into my Base coin account, I did this over and over again and tried through my app on my phone also, They tell me there is an issue and that my founds are safe, do not attempt to try app again on my cell phone, I have yet to retrieve my account from these people with my funds still in there! ... And have not heard back from them from the last response that i wrote to them through my email!
Product: Credit reporting or other personal consumer reports

I have attempted to have Bills.com stop reporting my information that I never gave them permission to report to other credit agencies. They have sent email to verify it's me with a link that is in clickable to prolong the process. By them sending false information to XXXX, XXXX, and XXXX these agencies have reported false information effected my rights as a consumers to access credit.
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. This accounts were not verified correctly and oppened FRAUDELENT under my name. Please remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not know when this accounts were oppened or amounts owed or if its current. I purchased a XXXX bureau credit report and notice this fraud accounts. 

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 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.
Product: Consumer Loan

My car was declared total loss and my insurance paid to my lender $ XXXXand I paid for a Gap insurance and it has to pay the rest of my balance which is {$800.00}. My Lender does n't want to cooperate with the information requested from my Gap insurance and it wants me to pay for a car that was declared total loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the XXXX XXXX XXXX with Equifax and have provided a utility bill and it still has not been removed. The correct address is the XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On the week of XX/XX/2024 this alleged debt appeared on my credit report and I have never received anything in the services, products or mail from them to create a debt or be notified about disputing this alleged debt in the amount of {$900.00} by the company named ASSETCARE LLC or XXXX XXXX XXXX XXXX
Product: Debt collection

Stanislaus Credit Control Services reported {$450.00} on my credit without sending me any communication. I was never informed that this money I have to pay. I did n't even receive verification of debt which I requested. They did n't even inform me, all they did is reported to my credit report. So I called them and requested them its wrong I may dispute it later by I want this off my credit report. So they asked me to fax a letter which I did n't on XX/XX/XXXX but they still did n't fax me any proof. So I am not even sure if I owe this money and if I do I still need complete proof of service. I would like to request why did they report it without informing me. So I like this to be deleted from my credit report
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have filed a FTC Complaint about this known issue. 

I noticed a Capital One card reporting to my credit report. I have attempted to have Capital One validate the debt. They have failed to do so, but continue to report the inaccurate information on my credit reports causing undue hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, XXXX of XXXX, and two tines in XX/XX/XXXX the last date being XX/XX/XXXX. I contacted Transunion by phone and by mail letting them know that they are incorrectly reporting a late payment on my credit from a first progress card for the month of XX/XX/XXXX. I had already contacted forst progress and they said that they are not reporting any late payments as I have not paid late. I disputed this with Transunion and each time they are closing the dispute without really investigating. First progress reports to XXXX and XXXX and neither of them are reporting a late payment. In addition transunion will not remove fraudulent address that are on my credit report. I informed them the only address that is correct on my report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. Any other address is unverified, inaccurate, and I have reason to believe they are connected to fraudulent actions.
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 card or prepaid card

1. I purchased an umbrella on sale from XXXX XXXX XXXX while in the store. 
2. I returned the defective umbrella for an even exchange 3. While in the store, the clerk was unable to give me an even exchange while in  the store for the damaged umbrella, but stated once the replacement umbrella arrived, it was shipped to my home, I could return to the store for a credit to my account for the difference. She charged me full price for the replacement umbrella. 
4. Once the umbrella arrived, COVID hit, and this XXXX XXXX XXXX  store closed, no one answered the phones, nor was I successful getting in touch with Comenity the bank that holds the credit card that XXXX XXXX XXXX  has a relationship with. 
5. I contacted Comenity, as they charged me {$74.00} in late fees as a result of this umbrella refund.

6. They credited me the {$74.00}, 7. In XXXX I was able to go back to the store to receive the proper credit 8. I paid the additional {$9.00}. and some change, essentially paying off my XXXX XXXX XXXX card through Comenity 9. I now see a late fee, on top of a late fee on this Comenity XXXX XXXX XXXX Card ... Late fees being charged on late fees? Is this legal? I owe Comenity nothing ... I am paid in full, except for late fees as a result of Covid ... I called XXXX at Comenity today and told her to close my XXXX XXXX XXXX card with Comenity! XX/XX/2020 XXXX. Furthermore after they credited me the late fee, they never credited me the interest on the late fees.
Product: Debt collection

Both myself, family members, and employer have received threatening phone calls from Weiss and Associates stating I will be arrested in 72 hours. I contacted the original creditor and the authorized debt collector who informed they have no affiliation with Weiss and Associates. Their persistent harassment has upset me and my family. I lost control when I spoke to them last because they are not legitimate and have obliviously obtained my information through public records. The SS # and email they have do not belong to me.
Product: Checking or savings account

I been up since XXXX waiting for mg check to hit and it still hasnt and its XXXX XXXX  on XXXXMe and my mom both bank with capital one and she was supposed to get her Thursday morning and still havent received.Please help!
Product: Debt collection

XXXX XXXX was reported as collections to my credit reports due to identy theft. 
for the amount of {$2000.00} reported on XX/XX/23. I never signed a wet contractual contract with this company nor have an opened account with this company
Product: Debt collection

XXXX contacted about collecting a debt that I have already paid. They served me by Certified Mail, on XX/XX/XXXX ( Date received ) of an account which they planned to accelerate. The actual date of the letter is ( XX/XX/XXXX ) and the debt is identified as Loan # XXXXXXXX. I do not have any responsibility for the debt youre trying to collect. I have already paid this loan off with the original lender in XXXX of XXXX. 

The account is already settled, already paid. American General Finance ( Loan No. XXXX ) was paid by XXXX XXXX XXXX XXXX on XX/XX/XXXX in a refinance of my home loan. ( Loan No. XXXX ) Payoff to American General ( {$48000.00} ) per ( Escrow # XXXXX ) Funds were over-nighted XXXX XXXXXXXX to American General. Deed of Reconveyance recorded XXXX XXXX of XXXX CA. 

After they re-aged the debt, attempted a foreclosure on a property they had no legal right to, pressured us by attempting a Trustee Sale, I had to pay late payments, your attorney fees, and foreclosure costs for a debt Ive already paid which violates California Code, Code of Civil Procedure - CCP 726 ( a ), There can be but one form of action for the recovery of any debt or the enforcement of any right secured by mortgage upon real property or an estate How does this madness end? 

Even if I owed this, this Debt would be time-barred by now. It is well-established that it is a violation of the FDCPA ( Fair Debt Collection Practices Act ) for a debt collector ( including a debt buyer ) to file an action in court to collect on a time-barred debt. It likewise is a clear violation of the FDCPA to threaten to file such an action. Debt collectors, including debt buyers, may violate the law not only if they file an action to collect on time-barred debt, but also if they engage in deception in collecting on time-barred debt. When collectors attempt to recover on debts, in many circumstances, such efforts may convey or imply to consumers that the collectors could sue them if they do not pay. If the debts are time-barred, this message would be false or misleading, because the collectors in fact can not legally file an action against them if they do not pay. Information about the consequences of not paying debts being collected appears to be important to consumers in deciding whether to pay debts and in what order to pay debts. You are violating Federal Law FDCPA : 807 by using false and deceptive representations to force me to action on this debt, especially when I dont owe it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an account # XXXX with XXXX XXXX XXXX XXXX  was obtained in my name without my knowledge. I was made aware after pulling my credit report that my information was used to open this accounts and reported to authorities on XX/XX/XXXX with the XXXX XXXX XXXX XXXX case # XXXX with Office XXXX XXXX badge # XXXX. I have sent this information to XXXX, XXXX, and Experian who are still reporting fraudulent information on my credit file.
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. 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 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. 
The following is the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Due to my personal information was taken from a data breach back a few years ago I have been dealing with accounts that were not opened by me. I would like that these accounts get permanently closed due to being opened fraudulently.