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

I had the IRS deposit my money into this account, I was told by XXXX I would get my money faster which it did it was deposited into the account XX/XX/XXXX. I contacted them because after getting my card I could not get the funds of XXXX I was asked to give a copy of my ID with a picture of it place under my chin of which I provided to them and ever since then theyve told me about four different departments that arent accurate, are looking into it, and refused to give me a reason as to why can not get my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a fraudulent account XXXX is reporting fraudulent charges. XXXX wirless is a fraudulent account. XXXX XXXX is a fraudulent account.
Product: Mortgage

Mr Cooper has failed to have proper procedures to safeguard against unauthorized autodrafts for customer 's mortgage payments. In XXXX they charged me for 3 mortgage payments. In XX/XX/XXXXit has happened again, FOR A THIRD TIME this month though there weren't enough funds in the account for the third unlawful payment draft. 

XXXX {$1300.00} taken from my checking account after autodraft with previous mortgage holder had been revoked. 
XXXX {$1300.00} again taken from my checking account. Paper check had already been processed for XXXX mortgage payment, however, 2 additional mortgage payments were deducted. Amounts were credited back on XXXX and XXXX. 

Mr Cooper as well as my bank ( XXXX XXXX XXXX  and XXXX XXXX ) were advised that the previous autodraft authorization had been revoked by me, by phone and online with XXXX XXXX and was no longer in force. I was advised that the problem had been handled. 

On XXXX payment was submitted through online banking for {$1300.00} On XXXX, Mr Cooper again autodrafted my bank account for another {$1300.00}.
Product: Credit reporting or other personal consumer reports

After careful review of my consumer report, I still noticed that you furnished inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; You have furnished inaccurate information which is illegal! You have violated XXXX Compliance procedures and format for reporting! And youre reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to opt-out of reporting these accounts on my credit file pursuant 16 CFR313 and The Privacy Act of 1974. Im opting out all information thats not accurate and pursuant 15 USC 6802, 15 USC 6803, 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand attached accounts be deleted from all consumer reports including XXXX, XXXX, XXXX, XXXX and XXXX. And according to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien from any company against me. I have supporting documentation from the Secretary of State to validate my claim. I also have proof of public legal notice, that all the liabilities been transferred to the Revocable Living Trust `` XXXX XXXX XXXX XXXX ''. Therefore, any negative accounts listed on my consumer report is inaccurate and erroneous and must be DELETED from my credit file. My consumer report should be free and clear of any negative and false items. -Please See Attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Chapter XXXX bankruptcy in XX/XX/XXXX. I paid it off and it was discharged XX/XX/XXXX.  None of this information is on the reports of XXXX, XXXX or Equifax. I am trying to get a home loan and the lender says it can not give me a loan with this information missing from the credit reports even though I provided the documentation to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance {$760.00} XXXX XXXX XXXX XXXX  XXXX ( Original creditor : XXXX XXXX  XXXX XXXX Balance {$1300.00} XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing this letter to urgently bring attention to the fraudulent personal information linked to my identity. I noticed certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. Regrettably, I have become a victim of identity theft and have taken immediate action by reporting the incident.
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 unde

r 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XX/XX/2022 : XXXX XXXX  XXXX  XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX.
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 proces : + was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act XXXX ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Vehicle loan or lease

XXXX XX/XX/XXXX, I was injured at work and was out of work on workmans compensation. My workmans comp benefits were delayed and I had to obtain legal council. 
* On XX/XX/XXXX I contacted the Santander Bank I have my car loan with and Spoke to a representative by the name of XXXX. I explained the situation and was enquiring on deferment or some type of assistance or arrangment we could make so that I would not be in danger of reposession and we could work together. The ONLY option they gave me was to change my payment due date to end of month moving forward with payments now due on the XXXX of each month. He assured me that I would not be in danger of repo until after 3 months time. They would not reposess my car but could not avoid the negative impact of having a XX/XX/XXXX day hit on my credit report. This arrangment offered BY Santander Bank would give me 3 months time to get my finances together. I owed for the current month, XXXX ( now due on XX/XX/XXXX ) and had until XX/XX/XXXX to make my payments before being in danger of reposession. 
* I was able to get all 3 months payments, ( XXXX, XXXX, XXXX ) and paying in advance partial of XXXX on XX/XX/XXXX, ( 5 days BEFORE the due date before repo status ). Cash in hand to make payment on XX/XX/XXXX. 
* On XX/XX/XXXX, My car was reposessed. ( 5 DAYS BEFORE THREAT OF REPO STATUS ) * I contacted Santander immediatly the next morning XX/XX/XXXX and informed them that I had all the money due PLUS half of the upcoming month of XXXX being paid in advance. 
Santander bank REFUSED to accept my payments and return my vehicle and ONLY gave me the option to pay off the entire loan amount for {$30000.00} in order for me to get my car back. 

Santander Refused to honor the arrangment that THEY offered to me and we agreed upon and they took posession of my car 5 DAYS PRIOR to the due date. They refused to take my money still 4 DAYS PRIOR to the due date. 

This is an UNLAWFUL REPO
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX CARDS/CITIBANK Account XXXX XXXX, XXXX Account XXXX 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: Vehicle loan or lease

I filed for XXXX XXXX and it was discharged in 2021 and the car was stolen on XX/XX/2021 .This company was ordered by a federal judge that this debt was discharged and a reaffirmation agreement was disapproved, copy attached.

Please Help
Product: Money transfer, virtual currency, or money service

Tried to move my cryptocurrency/funds from my Robinhood account to a different exchange and my account was restricted. Its been restricted for 2 weeks now with no access to my {$3000.00} in the account. There is no way to contact their support. When they did respond to my request for a call back, they would not provide any information as to why my account is restricted. The option to request a call back does not work anymore. From what I see on X ( XXXX ), the XXXX and other platforms, it is not an isolated problem. They have my money, and have restricted access to it by no fault of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I wish to complain about XXXX, XXXX and Experian in reference to My credit, I have reached out to them 3-4 times this year in reference to my credit. By law I do not consent them to have inaccurate information on my credit. 

By law codes : Section 604 15 US Code 1681B Section 605 15 US Code 1681 C-1 Section 605 15 US Code 1681 C-2 I do not consent them ( XXXX, XXXX and Experian ) to report anything on my credit without my consent
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX # XXXX, US Dept of EDXXXX XXXX XXXX, XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

To Whom It May Concern, I am writing to address a serious and urgent issue regarding the compromise of my social security number, which has led to identity theft and a data breach. I have already filed an FTC Report, which is enclosed with this letter. Under 15 U.S.C. 1681c-2 ( c ) ( a ), it is your legal obligation to block and remove all fraudulent information linked to this identity theft from my credit report. The law requires that credit reporting agencies act immediately, specifically within four business days of receiving a dispute accompanied by the necessary documentation. As such, I am demanding the immediate removal of the following disputed items from my credit report : XXXX XXXX - XXXX Not all bureaus are reporting this account the way you are reporting this account. It shows a lot of inaccuracies and inconsistencies. Please remove this inaccurately reported account from this report. 

XXXX - XXXX Not all bureaus are reporting this account the way you are reporting this account. It shows a lot of inaccuracies and inconsistencies. Please remove this inaccurately reported account from this report.
Product: Credit card

Please review the attached documents. I request the bureau to commence an investigation into these accounts, which I am never late for, but are inaccurately reported as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act, this creditor has violated my rights under 15 USC 1681 s602, states I have the rights to privacy. 15 USC 1681 s604a s2, also states a consumer reporting agency can not furnish an account without my written consent
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX, Experian and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX  This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had claimed bankruptcy in XXXX then decided to withdrawal it in XXXX. It was dismissed XXXX XXXX. Leaving me a balance with Wells fargo of {$16000.00}. 
On XXXX XXXX, XXXX, I had a XXXX and totaled my XXXX XXXX on the way to see family for XXXX. Wells Fargo was notified. My insurance company did not hesitate to resolve the matter. I asked my insurance provider at the time XXXX if all was covered and they said they came to a settlement. 
I asked what that meant and she said they came to terms and agreed on the value of the car and they paid {$11000.00}. Wells Fargo cashed the check XXXX remaining balance was XXXX. There was GAP insurance I tried to handle my GAP insurance that Wells Fargo had but they insisted on handling that matter. Guess what GAP was denied. Most likely because at the top of GAP paperwork I finally received this year XXXX. At the top of the page where it says for your info only on the INFORMATION NEEDED TO COMPLETE CLAIMS. Wells Fargo wrote out my Acct # and The Words " Closed Loan '' " XXXX/XXXX/XXXX '' then below that " Fully C/O ''. So wonder GAP said it was denied. But they still never contacted me back to tell me like they said they would if it were denied would contact me. In XXXX ... .they contact me. I contacted then back. I even have a fax cover letter with poc XXXX and her number was XXXX ext. 
XXXX from XXXX/XXXX/XXXX when I requested them to originally remove it from my credit report. Due to the fact, I had moved to another residence in GA. 
They said, They had searched for me. I thought that was funny. I was at the same address when I had the XXXX in XXXX. In XXXX, Wells Fargo filed a XXXX they never sent to my address they sent to my old one I lived at in XXXX. So here it is XXXX and I have tried all avenues of contacting them. I have paid {$3100.00} for this Debt Cancelation yet they refuse to take it off my credit report. I have paid my due 's they have requested to be paid by IRS. If they wanted more they should have asked for more then. But when you add the numbers up to the amount that was owed on the vehicle I have paid. If you can please talk to the creditors/Wells Fargo. I have exhausted all means. Sent all the proof they requested yet no one wants to remove them or something. 
XXXX Debt Cancelation is for something. I paid them completely. IRS gave me confirmation everyone has proof what else is needed? 
one I lived at in XXXX. So XXXX and XXXX I paid
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; US DEPT ED XXXX XXXX XXXX {$7500.00} ; XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Product: Mortgage

We have sent copies of our Land Survey showing we are not in a floor plan but he servicing company continues to place a forced insurance on us with not response to our letters or emails. Our last email was sent on XX/XX/21 and still not response. 
They continue to take money from us with no explanation as to the disputed land survey
Product: Credit reporting, credit repair services, or other personal consumer reports

I have my social security and card info to a scanning website I believed to be PayPal.
Product: Credit card or prepaid card

KOHLS/CAPONE showed up as a hard inquiry on my credit report I did not apply for a Kohls /Capone credit card on XX/XX/2018 I have never owned a Kohls credit card Kohls fraud dept called me I called back they want SS # i'm not sure if they are who they say they are to give SS #
Product: Debt collection

Midland credit is suing me after I told them delete this of my credit report or inaccuracies even sent all this to the wrong address
Product: Prepaid card

I was given four American Express gift cards adding up to a total of {$250.00} and was saving them to use on a vacation. On the back of the cart it says " Use at U.S. merchants that accept American Express Cards. '' I have tried multiple ways to use them for both online & in person purchases from companies that accept Am Ex, to reload other gift cards, to put on my XXXX XXXX. I've tried everything - and every time I try, I get a card error or card declined message. Customer service at Am Ex is unhelpful as they tell me to try another retailer. Nothing is working. I just want to collect the amount that I have been gifted by my family. Am Ex is purposefully engaging in this way of stealing money from unsuspecting people and hoping no one will follow up and try to reclaim their money. It's a total bait and switch scam.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACXXXX 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

15 USC 1681 SECTION 602 States I have the right to privacy.

15 USC 1681 SECTION 604 A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.