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

XXXX, XXXX, AND ALSO XX/XX/2018 I HAVE REPORTED THIS INCORRECT INFORMATION TO THE CREDIT BUREAU ON ALL THE DAYS LISTED ABOVE AND EXPERIAN HAVE REFUSE TO REMOVE THIS INFORMATION FROM MY CREDIT REPORT AFTER I HAVE SENT IN DOCUMENTS FROM LETTERS FROM US BANKRUPTCY COURT IN XXXX IL STATED THAT THEY DIDN'T VERIFY THE INCORRECT INFORMATION THAT THEY ARE REPORTING ON MY CREDIT FILE. THEY REFUSE TO GIVE ME A DIRECT REPOSE AFTER I HAVE PROVIDED THEM WITH NUMEROUS AMOUNTS OF DOCUMENTS. THIS INFORMATION IS HIDDERING ME FROM GETTING JOBS, LICENSES, AND CREDIT.THIS IS HIDDERING AND HAS BECAME A BURDEN ON MY LIFE. ACCORDING TO THE CONSUMER LAW 15 U.S CODE 1681B-PERMISSIBLE PURPOSES OF CONSUMER REPORT, 15 US CODE 1681C-1-IDENITY THEFT PREVENTION : FRAUD ALARTS AND ACTIVE DUTY ALARTS, ALSO15 U S CODE1681C-2-BLOCK OF INFORMATION RESULTING FROM IDENITY THEFT. THESE LAWS ALONG PROVES THAT XXXX IS VIOLATE MY RIGHTS AS A US CITIZEN AND CONSUMER. I HAVE SEND THEM OVER TWENTY DOCUMENTS IN THE PASS FIVE YEARS.THEY HAVE REFUSE TO MAKE ANY CHANGES.
Product: Credit reporting or other personal consumer reports

On the date I initially reached out to this agency via certified mail, I informed them of my identity theft victim status. However, as of todays date, this agency continues to include information in my credit report that stems from this identity theft incident. According to Section 605B, titled " Block of Information Resulting From Identity Theft, '' consumer reporting agencies are obligated to alert the sources of this information, such as financial institutions, about the potential origin of the information being identity theft, and to inform them that an identity theft report has been filed. I have provided this agency with FTC report numbers XXXX, XXXX, XXXX, XXXX along with a formally requested block. Following such notification, Section 623 ( a ) ( 6 ) requires the sources of information to cease reporting any data in a consumers file that the consumer has identified as resulting from identity theft. This cessation must occur no later than 4 business days after the agency receives : ( 1 ) adequate proof of the consumer 's identity ; ( 2 ) a copy of the identity theft report ; ( 3 ) the consumer 's identification of the disputed information; and ( 4 ) a declaration by the consumer that the information is unrelated to any transactions made by them. 
I have satisfied all these stipulations, and evidence supporting this claim will accompany this complaint. Despite fulfilling these requirements, this agency has not adhered to the requirement set forth by the FCRA 15 U.S. Code 1681c2 to block the reporting of the information I identified as arising from identity theft within the specified 4 business days following your receipt of the necessary documentation. This failure constitutes a violation of the law and makes this agency civilly liable for willful non-compliance, including any actual damages I have suffered as a result of this failure, in accordance with 15 U.S. Code 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in two different dispute/complaints letters XX/XX/2022 and XXXX XXXX asking the companies Experian, and XXXX to verify, method of verification used, + original contracts. Experian or XXXX has yet to remove the derogatory account from my credit report or produces verification method used to verify the account or original contracts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  pulled my credit without authorization and while I had a freeze on and Experian let them
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # 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

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX XXXX XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX.
Product: Consumer Loan

I have a loans out through XXXX. I have had fraud on my bank account recently I do not want my bank information to anyone. I have told them I revoked my authorization to debit that bank account. They refused to take my account information off. I do not wants fees and overdrafts because they wo n't work anything out with me. I have talked to them numerous times. In the loan agreement they do not state how to unauthorize the debit to my account.
Product: Mortgage

After spending over a year in court defending my income property against a foreclosure, I lost to Wells Fargo Bank ( for XXXX ), but was offered a loan modification in lieu of an appeal, so I complied with the application process for a loan modification. I was shortly there-after denied a modification, with the reason stated being, " The owner of your loan does not allow modifications ''. I complained to the lender 's lawyer who offered the option of modification and received an email from the lawyer stating that the lender was working on a special modification for me. After months and months and mounds of paperwork, I was again denied the modification for the same reason, " the XXXX of your loan does not allow loan modifications ''. I contacted my state 's Attorney General to complain of these unfair and illegal lending practices, I was given the advise to contact the CFPB. I have all documentation of the email correspondence from their lawyer stating I was being given a special loan modification by the lender as well as both denial letters stating their reason for the denial, as mentioned above. Denial # XXXX was received around XX/XX/2016 with the final denial being received by me on the XX/XX/2016. Their final denial letter asks that I respond no later than the XX/XX/2016 with an answer of whether or not I would like to proceed with a short sale or a Deed in XXXX of XXXX. I intend to reject both offers, as I should be able to easily qualify for the XXXX loan. The XXXX loan option is what the lender 's loan servicer 's paperwork stated was the type of loan mod they were originally seeking for my property. I should easily qualify for this loan because my property is an income property. It generates {$800.00} monthly rents, plus I have an income of my own. My mortgage for this home is about {$950.00} per month. I believe the lender never intended on granting me anything other than a foreclosure and have just been wasting my time with paperwork and lies. These are unfair and illegal lending practices. The lender should be prosecuted for such business practices. However I have already exhausted my means for fighting in court as I have spent a year fighting the lender in XXXX court already.
Product: Checking or savings account

Chase Bank is refusing to let me open a new account for reasons unknown they have internally blacklisted me and have not provided any reasons.
Product: Credit card or prepaid card

I already have two XXXX XXXX branded cards so I had no need for a third. However, I am a frequent flyier and in XX/XX/2019, I accepted an offer to take out a Citibank Executive AAdvantage Card with the large {$450.00} annual fee because the contract guaranteed me free access for one year to their XXXX XXXX XXXX. However, all the XXXX XXXX are currently closed ( including the one here in my home base of XXXX ) and 90 % of their flights are not flying anyway. They have announced that the XXXX XXXX ( which were often packed with people at the best of times ) are unlikely to ever reopen with the kind of at-will access for which I paid {$450.00}. 

I have called Citi three times trying to get some sort of pro-rated refund based on the months I have remaining on my contract -- but Citi 's position is they are entitled to keep the entire fee. This seems like a blatantly unfair rip-off for a service they promised but are unable to deliver.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called in to customer service for PayPal XXXX, serviced by Synchrony bank, to ask if a foreign transaction fee would be charged for a purchase I was about to make in XXXX. The representative told me they do not charge foreign transaction fees, so I used my card. When I received my statement on XXXX XXXX, XXXX, there was a foreign transaction fee of {$120.00} charged, so I called customer service. The representative escalated the call, due to the amount of the charge, and the account supervisor apologized for the incorrect information given to me prior to the charge, and offered to credit the fee as a courtesy. Since then, I have called in on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to follow up on the fee reversal, and each account supervisor kept telling me that the fee would be reversed with the credit appearing on my next statement. It wasn't until my call today, XX/XX/XXXX, that another account supervisor told me that the requests for the reversal had each been denied! I was never informed that these were denied ; I was told by an account supervisor on each previous call that the would be reversed!
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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

I'd like to appeal the inclusion of inaccurate information on my credit report, which has resulted from identity theft. I request that you promptly investigate and remove the following false information from my credit report for I have already submitted their requirement and that is to file my complaint in Federal Trade Commission or FTC. I am a victim of identity theft, and I have no knowledge of how my personal information was compromised. Furthermore, I have no awareness of any suspects involved in perpetrating this crime. It is important to clarify that I did not obtain any financial gain, goods, or services as a result of this identity theft. The fraudulent accounts and activities reported on my credit file do not reflect my financial behavior or history accurately. I respectfully request that Transunion block and remove the inaccurate information associated with the fraudulent account from my credit report. 


XXXX XXXX XXXX
Product: Checking or savings account

My XXXX check was stollen from the USPS post office on XXXX XXXX. 
The person who stole the check deposited it via mobile deposit into his account at Bank of America on XXXX XXXX. The check was written to XXXX XXXX XXXX for {$6300.00} as payment for my property tax. Bank of America deducted the funds from my XXXX account even though the payee did not match the depositors account. I filed a claim with XXXX on XXXX XXXX. I was unaware of the fraudulent deposit until XXXX XXXX of XXXX contacted me about late payment to my property tax bill on XXXX XXXX. 
I have been in contact via phone with XXXX Customer Claims Department every month since the complaint filing on XXXX XXXX. They have stated that they are in contact with Bank of America who has acknowledged the claim and is working on a resolution. 
It has been XXXX months and there has been no resolution or return of my funds. 
Today I received a letter from XXXX stating that if they do not hear anything from Bank of America within 90 days of the claim submission they will close the case and my funds will not be recovered. 
I have filled a police report with the XXXX XXXX, CA police department and with the United States Postal Inspection Service and have not received any information from them.
Product: Credit reporting or other personal consumer reports

I have XXXX credit inquiries on my credit report which I did not authorize. Upon trying to get it removed by the credit bureau they informed me that the only way to get it removed is by filing a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company on multiple attempts starting on XX/XX/24 about incorrect reporting of inaccurate inquiries on my credit report as well as accounts listed that were not verified as belonging to me. The company received my information on XXXX and it is now XXXX and I have yet to hear back from the company. The FCRA gives the company 30 days to respond and I have not gotten a response.
Product: Credit reporting or other personal consumer reports

I have reach out to XXXX, XXXX, and Equifax on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 to report that I'm a victim of Identity theft. I have filed a Police Report with the XXXX XXXX Police Department on XX/XX/2023 as well as to the Federal trade commission on XX/XX/2023. I sent certified mail to each and one of the credit bureau with copies of the police report, FTC, driver license, social security, and prove of address from pay stub as well as electrical bill. I have also sent multiple letters to the three credit bureau as well as each and one of the accountants that were open do to identity theft. They have many addresses, names, phone numbers and additional information they have not removed. I have contact multiple times regarding the same matter. As well as XXXXXXXX XXXX XXXXXXXX letter XX/XX/2023 and then on 2nd letter XXXX  with police report and FCT. They have not took the step to close the unauthorized account do to me being a victim of identity theft. XXXX XXXXXXXX XXXX XXXX  XXXX letter XX/XX/2023, XX/XX/2023 response to not been able to find my account do to the information provided from me to them was not available. I also provided drivers license, social security, police report, and FTC report. XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/2023 with police report, FTC, and driver license. XXXX XXXX XXXX letter XX/XX/2023 and filed a dispute through XXXX. 
Other accounts were removed do to the identity theft but these additional have not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX never received a first payment when credit card was open has different name and address. 
XXXX XXXX had a different name, address and was not able to find my account information with my correct information till I provided to them in the first letter. 
XXXX had a different name and address and was remove from Equifax but not from XXXX. 
XXXX XXXX was sold to another lender and had a different name and address as well. 
Equifax has also been contacted regarding Hard inquiries that I did not authorized and I have sent them a letter and filed a dispute on line and I have not been able to get them removed. They also have different addresses and name. I requested additional information but the only response I get its that the it belongs to me. 
XXXX and XXXX that I have not requested credit.
Product: Checking or savings account

I have a business checking account at Chase & they have recently began deducting Monthly an Account Maintenance Fee in the amount of {$9.00}. I never gave them permission to charge me for this nor was I notified they were going to do this. I want to be reimbursed for the fees already collected & all future fees waived. 
I have spoken with Chase & all they say is there is nothing can do. 
I hope you can help me
Product: Credit card or prepaid card

First phone call : I called to confirm promo and what credit bureau is used since my credit is frozen They answered my question. The promo he had said " It is in an ongoing promo '' which means to me, that it is running, and something they always have. To Discover this means that it is something they sometimes have. Very misleading. 

I call because one of the credit bureaus was unable to be un-frozen. I called they ran a different and approved prior to this again verified the promotion. I did not have time to do the balance transfer at that time. 

I call after work to setup balance transfer. I'm told it is a 14 month promo, not 18 as promised on their website. They are not willing to honor the promo. They have since pulled my credit, approved a line of credit for something that I do not want to use as there are other options for me at 18 months. If I wanted something shorter I wouldn't have opened a new line and used a line of credit i currently have. 

They want me to fax the screen shot. I do not have access to a fax. I sent the link to the promo to them via XXXX messenger. Due to account security they refuse to forward to the manager required. It is not account information. It is a direct link to their site showing the promotion. I asked to talk to a higher manager and they are refusing. They are insisting on things they can't do instead of what they can. This is the digital age. I should be able to do this all via e-mail. How am I supposed to fax a link? They can't click on it. This could have all been resolved, but they insist on dragging it out. 

This is very poor business practice. Especially saying it is an " ongoing promotion '' What does that mean to you? Means to me that it is something that is available all the time. My credit has thus been pulled based on the information they have provided. This I am not able to undo and now is a negative impact on my credit score.
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 These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I made a payment to a XXXX XXXX, a XXXX company on XX/XX/2022 using PayPal. Pay Pal did not give me the opportunity to send US dollars. The only option was to have PayPal convert the payment to XXXX dollars. PayPal used a below market exchange rate ( XXXX ) to convert my {$2900.00} US to XXXX XXXX. The market rate on XX/XX/XXXX was XXXX, which should have resulted in my seller receiving XXXX XXXX. This is a difference of {$160.00} XXXX. The seller is now requiring me to send another {$100.00} US to cover the discrepancy. 

I believe that PayPal cheated us out of {$100.00} XXXX by using this below market exchange rate and would like CFPB to compel them to use a market exchange rate, and reimburse us for {$100.00} US. 

Here is the receipt for our payment : You sent {$3700.00} XXXX  to XXXX XXXX XXXX XXXX XXXX  YOUR NOTE TO XXXX XXXX XXXX XXXX XXXX Final Payment for XX/XX/XXXX XXXX XXXX XXXX Transaction Details Transaction ID XXXX Transaction date XX/XX/2022 SENDER XXXX XXXX XXXX RECIPIENT XXXX XXXX XXXX XXXX XXXX  XXXX Funds will be available to your recipient on or before : XX/XX/2022. 
Money sent {$3700.00} XXXX  = {$2900.00} USD Fee {$0.00} USD Paid with : XXXX XXXX {$2900.00} USD This transaction will appear on your statement as PAYPAL XXXX XXXX You paid {$2900.00} USD XXXX XXXX XXXX XXXX XXXX XXXX receive {$3700.00} XXXX  Recipient may receive less due to foreign taxes. 
This rate includes a currency conversion spread. 
Shipping Address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX United States Here is the information on the transaction showing the conversion rate that PayPal used : Paid with credit cart -- information deleted You'll see " PAYPAL XXXX XXXX '' on your card statement. 
{$2900.00} Exchange rate {$2900.00} USD = {$3700.00} XXXX  XXXX USD = XXXX XXXX  Ship to ( name and address deleted ) Transaction ID XXXX Contact info Message XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Note Final Payment for XX/XX/XXXX XXXX XXXX XXXX Details Sent to XXXX XXXXXXXX XXXX XXXX XXXX  {$2900.00} {$3700.00} XXXX Total {$2900.00} {$3700.00} XXXX  We have called PayPal three times, twice on XX/XX/XXXX and once on XX/XX/XXXX. They have been very unhelpful. Today we submitted a dispute to PayPal and the information on that case is Transaction Date XX/XX/2022 Payment Amount {$3700.00} XXXX  Recipient XXXX Transaction ID XXXX Case Number XXXX Thank you, XXXX XXXX