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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX Balance Owed : {$24.00} XXXX  {$360.00} Balance Owed : {$360.00} XXXX  XXXX Balance Owed : {$18.00} XXXX  XXXX Balance Owed : {$320.00} XXXX XXXX  XXXX Balance XXXX : {$3100.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

The original debt belonged to my XXXX year old daughter XX/XX/XXXX. I was not aware of it's existence until checking my credit report in XX/XX/XXXX because the original bill was in her name. 
I called the collector and paid this debt via " direct payment '' through my bank with the bank customer service agent on the phone line on XX/XX/XXXX The company refreshed this debt as active and unpaid XXXX as of XX/XX/XXXX. 

They then sent me a letter dated XX/XX/XXXX confirming the debt paid in full with a {$0.00}. balance. 
Dispite my paying the balance on XX/XX/XXXX, ( and then sending me the confirmation paid in full letter on XX/XX/XXXX ) they reported the account as updated XX/XX/XXXX with the original balance of {$400.00}. as remaining active. 

They Did Not update the new {$0.00}. balance. I called them repeatedly and requested they update their report. 

As of today XX/XX/XXXX they still shows {$400.00}. balance unpaid. 
The correct {$0.00}. balance has not been submitted to my report. 
This deliberate negligence in withholding updated information has caused me hardship. 
Please Help Resolve. ASAP! 
XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

GIVING NOTIFICATION THAT THE CREDIT REPORTING AGENCY have broken 3 Codes of consumer law. 

The agency has been put on notice. 

XXXX XXXX Secured # XXXX 15 U.S Code 1666b Timing of Payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

15 U.S. Code 1666 Correction of Billing Errors 15 U.S. Code 1681B Permissible Purposes of consumer reports The bureaus are suppose to use maximum possible accuracy
Product: Credit card or prepaid card

On XX/XX/2018 - Account Closed by Company without notification - I spoke to the rep who was not in the US - and by a US based employee that was polite and condescending at the same time and said that they could close my account at any time. She wouldn't explain why the account was closed but said to read the account agreement. 

" Closing Your Account. 
You may close your account at any time by sending a letter to the address shown on your billing statement or calling customer service. We may close your account at any time, for any reason. If your account is closed, you must stop using it. You must still pay the full amount you owe and this Agreement will remain in effect until you do ''
Product: Vehicle loan or lease

The CRAs are reporting inaccuracies and are going against my consumer rights. 
Under 15 U.S. Code 1681 ( a ) ( 4 ) Consumer Right to Privacy. They are also going against my rights under 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy. I wish for the information to be deleted immediately off of my credit report. I have been sending out dispute letters to these bureaus for months in XXXX and have not gotten a response
Product: Bank account or service

My former bank kept my bank account open by putting and taking money out of my account so they can keep charging me fees
Product: Credit card or prepaid card

XX/XX/2018 Today is payday for me and no direct deposit and when I called no one answered or I was on hold for an hour no via emails or phone call about any problems ( they are not answering calls for this problem )
Product: Credit reporting, credit repair services, or other personal consumer reports

FIRST, I was an EQUIFAX Data Breach Victim. EQUIFAX has done ZERO to assist correcting disputed information on the public file under its control. 
NEXT, TWO FTC Reports was created for CREDIT CARD FRAUD, BANK & WIRE FRAUD, FAKE CASHIER CHECK SCHEME [ NATIONALLY reported, which financially destroyed debtor ] and said FTC legal Reports was submitted to the 3 credit bureaus ( which included & provided supporting information such as creditor names, acct numbers, disputed amounts, dates all submitted with SS card & ID ) and submitted to the creditors for verification. ONLY XXXX verified with creditors and DELETED the disputed the falsely reported credit file information. 
This COMPLAINT is being filed against EQUIFAX and XXXX ; due to their attempt to CHANGE, USURP, CIRCUMVENT, RE-WRITE, or DRAFT their own version of the LAWs under FCRA and under FDCPA ; where the LAW states the BURDEN OF PROOF is upon the 3 bureaus and the creditors ; not upon the debtor disputing the misinformation posted on the 3 bureaus ; INCORRECT information which was paid by the creditor to the 3 bureaus to publish. XXXX and EQUIFAX has, in BAD FAITH, requested DUPLICATE information already submitted under said FTC Report. This intentional acts of continued defamation has caused direct damages including lost employment, rejected employment, rejected insurance, rejected credit, and loss of business reputation as an OFFICER OF THE COURT. The PROPER solution is for EQUIFAX and XXXX to follow XXXX XXXX example by DELETING & REMOVING the DISPUTED credit files which are ERRONEOUS, FALSE, MISREPRESENTED, MISLEADING, FACTUALLY INCORRECT published information ; destroying a tax payers life, and destroying a public servant 's life. Again, the LAW, under SECTION 609, states the BURDEN OF PROOF IS NOT upon debtors, but upon CREDITORS and the THREE BUREAUS to properly publish that the information being reported is TOTALLY CORRECT and, if not, DELETED from the 3 Bureau 's public reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

On XX/XX/2024, at approximately XXXX XXXX, I received transaction message from XXXX  indicating a suspicious transaction. Upon reviewing my accounts, I realized that my wallet had been stolen, leading me to immediately secure all affected credit cards by locking them and contacting the respective companies to report the theft. 

Specifically, with Chase, I identified a fraudulent charge at a nearby XXXX XXXX totaling {$820.00}. I promptly reported this to Chase 's fraud department that same afternoon, and they assured me of a refund after issuing a new card. However, to my dismay, I discovered last week that the transaction had reappeared on my statement. Upon contacting Chase again, they issued another new card but, contrary to their initial assurance, refused to process the refund for the fraudulent charge. 

As a result, I am currently faced with the burden of a fraudulent transaction on my statement, which I am unjustly expected to pay. This situation has caused me considerable stress and financial uncertainty. 

I kindly request the intervention of the Consumer Financial Protection Bureau to help resolve this matter. I believe that I have taken all the necessary steps to report and mitigate the impact of the theft, yet the lack of resolution from Chase leaves me in a precarious position. Your assistance in ensuring that this fraudulent transaction is rightfully refunded would be greatly appreciated. 

Thank you for your attention to this matter. I am hopeful for a prompt and favorable resolution.
Product: Debt collection

Zwicker and Associates dropped off paperwork to my significant other, handing him a copy of the legal filing - unsealed, unstapled, and completely visible. In doing so, they disclosed this filing to my significant other, potentially in an attempt to embarrass and pressure me. This disclosure is illegal and should be addressed.
Product: Credit reporting or other personal consumer reports

This is my XXXX  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, remove 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 XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. 
XXXX XXXX XXXX  Balance : {$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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went into XXXX XXXX  to purchase a mattress. While there, an employee offered to check what financing options existed. I was assured that they would just perform a soft pull that would not affect my credit ( I verified with the sales associate multiple times before proceeding ). After the employee was requiring me to verbally give more information than I was comfortable with in the store ( eg annual income ), I decided to pay for the mattress in full in the store. After the purchase, I confirmed again that there would only be a pre-qualification soft inquiry ( if any ) and that there would be no impact to my credit report or score. 

A few days later, I got notifications from both XXXX  and Experian that I opened a credit card with a XXXX limit. I did not consent to opening a credit card. Even if I moved forward with the mattress purchase, I was led to believe it would be through an installment loan. Once discovering this, I disputed it with both bureaus since I did not authorize a hard pull, much less actually opening an account ( I couldn't find a way to see if it were on my XXXX  report or dispute it through them ). Experian refused to remove the fraudulently opened account from my report. I haven't yet heard back from XXXX. 

I also tried calling the bank listed on my credit report, but they claimed they " couldn't verify my identity '' because I don't use a traditional carrier for my primary phone number.
Product: Debt collection

I had a credit card  with Chase with a date o f last activity i n 2012 and  a Chapter  XXXX  bankruptcy discharge.  Today I received a letter stating that Chase was still charging my account late fees and interest. I called the number on the letter and was told that I had to call their " recovery '' department " to find out why they are doing this and to get them to remove it. '' I explained that this debt was discharged in bankruptcy and therefore there is no account or balance they can charge. The person on the phone acted confused, then agreed that her records showed this. Nevertheless she refused to tell me what Chase is up to, why they are still trying to collect a discharged debt and refused to resolve the issue. I told her I would not be making any more phone calls to " find out why '' Chase is deliberately breaking the law and would be filing a complaint.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 15 U.S.C. 1681B Fair Resolution Delete these accounts immediately.
Product: Money transfer, virtual currency, or money service

I received a Cash App Card in the mail on XX/XX/2021, with my name on it - I never applied for it. It says it is a Visa DebXXXXt card. I don't, and have never, used any products provided by Square , Inc. 

Looking at their website, it seems bare minimal information is needed for a person to apply for a Cash App card - name, address, DOB, and last four of SSN. That in itself seems wrong to me. 

Their Help page at XXXX XXXX XXXX XXXXs aimed at customers. It wants to redirect to their app and wants me to log in using their app. I'm not a customer though and I don't have their app ( and I don't want it ). There is no email that I could find to contact anyone. I did find a phone number XXXX XXXX XXXX on their page at https : XXXX. When I phoned the number, an automated response said to enter 1 for customers and 2 for other callers. And when I clicked on 2 it said it wasn't taking calls for 2 replies or something and ended the call. 

I found a couple news articles about Ohio scams involving people receiving unsolicited Cash App Debit cards from their company and the trouble they had. The links both said to contact Cash App at https : XXXX XXXXXXXX for fraud related issues. I did that and filled out an online form stating my issue and later received a reply from XXXX saying the following ... 

" I get how important this situation for you but unfortunately I do not have access to this type of account.You emailed the Point of sale Support Team, you can reach out to Cash App Support directly from the Cash App : From the app, tap on your profile image and scroll to the bottom of the page. 
Tap Cash Support and review answers to common questions. If youre not able to find your answer, tap Something Else. 
Select your reason > Contact Support. 

You can also contact XXXXash Support by visiting XXXX. " So they are basically " fobbing me off '' is the feeling I get. I just want to cancel this card, that was applied for fraudulently in my name, and confirm there is nothing else linking back to me in any way.
Product: Debt collection

I reached out to Collection bureau or Hudson Valley on XX/XX/XXXX about a collection debt that was placed on my credit report by the company. I received a letter sent to my letter with stating theyre debt collectors and that i have to pay a balance of {$120.00}.

I sent in a letter asking stating that I have NEVER done business with them and that they should verify the alleged debt owed.

They then responded by saying that I called on XX/XX/year> and closed out my complaint. ( I never got proof of the call ) Then I received an email document from CBHV with statements from XXXX whom of which is the original creditor.

Statements/Invoices from XXXX does not prove that I owe this debt. Therefore I will not be paying this debt, because CBHV does not have the power of authority to collect.

Please remove this debt from my consumer reports ( XXXX, XXXX, XXXX ) and send me a updated report of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting serious delinquencies of XXXX  days or greater to lenders when there are no accounts that reflect a XXXX derogatory mark. This issue has been going on for over XXXX  months now. I have most recently written to Experian XX/XX/2022 ), contacted their disputes and member services departments, escalated the situation to managers, and opened numerous tickets to no resolution. There seems to be a disconnect between the employees that work for Experian, their process, and what am actually disputing. With XXXX, I have contacted customer care and tried to initiate a dispute. The issue is that there is no account to dispute. The information on the credit reports are accurate. What is not accurate is the reporting of serious delinquency by Experian and XXXX that does not exist on the same credit reports they are providing me. I have recently applied for mortgage financing and this erroneous serious delinquency is being reported to lenders and that is not reflected in my credit report. XXXX is the only agency reporting accurately.
Product: Mortgage

My husband and I applied for a refinance loan from Loan Depot about XXXX XXXX, 2014. We filled out the required information with XXXX of their agents, do not remember his name, maybe XXXX. Subsequent to providing all relevant information we were informed we qualified for a refinance through the VA since my husband is a veteran. Our current mortgage interest rate is 9 % and the VA interest rate was much lower. We were at the point where an inspection was scheduled. We were asked to provide the cost of the inspection, which we did. At this time we were suddenly advised by the agent our VA loan was unavailable due to the fact the VA DID NOT LOAN for homes on leased property. We do not own the property. Instead of checking with the VA to verify this we accepted this disappointing decision. Recently we received information from a VA Mortgage Center regarding VA Loans. When I requested the regulations for a refinance I was informed the VA DID, indeed, loan on manufactured homes on leased property. Therefore, Loan Depot agents lied to us rather than fulfill the loan. We are both retired, XXXX who know they were blatantly deceitful. ( Their reference # is : XXXX XXXX/XXXX/2014 )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$4000.00} XXXX : XX/XX/XXXX -- -> XXXX -- XXXX : {$220.00} XXXX XXXX : XX/XX/XXXX -- XXXX XXXX -- -> {$28000.00} XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$370.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My information is being traffic! YOUR FAILURE TO SEND MY CONSUMER REPORT AND ADD A SECURITY FREEZE has caused companies to now take my likeness, my personal, non-public information and assembling a consumer report that is supposed to reflect who I am all without my consent, all without my authority so now present I am unable to get credit cards, home loans, and suitable employment.
Product: Vehicle loan or lease

Member Client XXXX worked with as a loan Bank Teller form USAA on or around XXXX XXXX, 2015, the teller made an inaccurate dollar withdrawal from XXXX XXXX XXXX XXXX  account in the amount of XXXX. The correct amount should have been for XXXX dollars as check states, the reminder payoff balance of loan should have been pulled from XXXX personal checking, XXXX check issue date is XXXX XXXX, 2015 a  number of attempts to work with USAA to correct concern failed short, and reporting non accurate information to credit reporting agencies and not adhering to Fair Credit Reporting Act. Security data breach concerns were raised because of the additional XXXX dollars removed from XXXX XXXX  account was consider fraud, inaccurate again the number should have been XXXX. The action of a USAA teller taking more out of a business account caused insiffient funds with XXXX and 30-120 day delinquency on my credit report.
Product: Checking or savings account

Dear CFPB facilitis, I opened a TD bank savings account online on XX/XX/2021. I checked my savings account bank statements through mobile app 2 days ago, and I found out that they have been charging me {$1800.00} excess withdrawal fees until now. I just lost my job 2 weeks ago, and I need this money back for me to pay my rent and I'm in the stress to look for a new job during this pandemic time. I just hope CFPB can help me to get the refund back and I am aware of the regulation D regarding to the 6 times limits of the monthly withdrawals now. 

Best regards, XXXX XXXX