23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My personal belongings were stolen from me in XXXX, CA in XXXX of XXXX including my photo identification, medical card, social security card and bank cards. I recently ran my credit report as i am trying to buy a house and i have noticed collections, purchases and inquiries that I did not personally make or have any knowledge of. I just recently found out how to go about identify theft and am now taking the proper steps to get this handle.
Product: Checking or savings account

on XX/XX/XXXX my accounts were stloen an a good bit of money was taken from my acccount i filed police report an then disputed the transactions upon me gaining back control of the accounts well relay then refuses to communictev with me properly and has frozen my accounts as if im, atb fault for the acccounts being stolen i cant acess none of, my money i cant pay my bills or feed my family due to these actions
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( charge off ) XXXX XXXX XXXX XXXX XXXX ( charge off ) -- {$1100.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/XXXX I ordered a XXXX XXXX '' grddle advertised on XXXX through Wayfair  for XXXX. Upon receiving my receipt I could tell this wasn't from Wayfair and didn't look right. 
There was a button on the receipt asking me to add my paypal account login info. I immediately tried to cancel to no avail. I then contacted Citi and instructed my card be cancelled due to a fraudulent transaction. Citi complied. I never received the griddle. They started an investigation which concluded on XX/XX/XXXX finding that because I ordered the griddle,, I was responsible fro the payment and charged my card. I immediately contacted CITI who said it shouldn't have been filed as a fraudulent transaction but rather a purchase dispute. They said they would proceed as such. On XX/XX/XXXX I recieved a letter that the investigation is close, there was no reimbursement. When I inquired, i was told because it was initially filed as a fraud complaint it couls not be re-opened. i have substantial screenshots showing this was a scam seller, screenshots of communications that I could never offer Citi. There guarantee of purchase protection is falsely promised. I am hoping CFPB can help me sunset this matter in a just manner.
Product: Debt collection

We had a XXXX mortgage with HSBC.We received a Cancellation of Debt from XXXX dated XXXX/XXXX/XXXX on XXXX/XXXX/XXXX. Months later we received another copy of Cancellation of Debt which was dated XXXX/XXXX/XXXX. This form said it was corrected and stated the debt discharged was XXXX.The first discharged {$24000.00}. We heard nothing from XXXX or XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. At this time we heard from Ditech Financial LLC. 
Ditech claimed we owed $ XXXX+with late fees. We were able to get a loan modification on our XXXX mortgage due to my being forced to retire due to health issues and we could not afford our XXXX mortgage monthly payments. We are still struggling with our monthly mortgage payments and we heard out of a 4yr. silence that we owe for a XXXX mortgage. There is no way we can pay this back on our current fixed income.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX To XXXX XXXX, and Equifax This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either you or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a mortgage, which was highly embarrassing and has negatively impacted my lifestyle. 

Please note there are several errors on my credit report. 
1. I have never lived at XXXX XXXX XXXX, XXXX, CA XXXX ( please remove ) 2. I have no previous address of XXXX XXXX XXXX XXXX CA XXXX ( please remove ) 3. I have never lived at XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( Please remove ) 4. I have never worked for SSA ( please remove ) 5. XXXX Card Services has consistently reported incorrect information. The date of last payment was not XX/XX/XXXX. This is an attempt to keep a debt on my credit report for longer than 7 years. ( Please remove ) I officially dispute this debt in its entirety. 
6. XXXX XXXX I am disputing this debt in its entirety. 
7. XXXX XXXX : ( I dispute this debt it its entirety, please remove ) 8. XXXX XXXX : ( I dispute this debt it its entirety, please remove ) 9. Please remove phone numbers that I do not recognize and were not my telephone numbers. 
a. XXXX b. XXXX c. XXXX d. XXXX e. XXXX f. XXXX g. XXXX h. XXXX i. XXXX j. XXXX Thank you, XXXX XXXX
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  has violated my rights. 


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

My identity was hacked through my computer and it now has a virus. loans were taking out in my name. the loan company are hassling me even though I did not do this. It is hurtful for someone to steal your identity and you get accused of the problems at hand. 
XXXX : Loan for XXXX XXXX : Loan for XXXX XXXX XXXX XXXX  : Loan for XXXX Credit bureaus refuse to take off of credit report. 
Inquiries remain also. 
Please remove all from credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute letter to the credit bureaus on XX/XX/XXXX Along with a FTC report as I was a victim of identity theft. The credit bureaus XXXX, Equifax, and XXXX have ignored my complaints, I have sent another set of letters regarding the hard inquiries on my credit report that do not belong to me but nothing has been done to fix the issue. I will list the hard inquiries that I requested to be removed that are still on there as of XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I ( a natural Person ) submitted a Letter of verification to Equifax on XX/XX/21 regarding an account they claimed they investigated and verified. A response was received from Equifax which then again stated that they verified the account but refused to provide information relevant to the dispute that was provided to them that verified the account. Per 15 U.S. Code 1681i ( a ) ( 2 ) ( b ) The consumer Reporting agency shall promptly provide to the person who provided information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). Equifax is currently infringing on my rights and if they were able to verify that account as valid i demand that they provide me with the information received to verify account. If information is not obtainable and not received within time frame of 15 U.S. Code 1681i ( A ) i demand that it be deleted from my profile. If this is not corrected i will be forced to move forward with action due to the amount of violations that Equifax is currently accrued
Product: Mortgage

To who it XXXX concern ..since XXXX i had problems with my mortgage with wells fargo my problems are fees that i did no authorize adjustable rates when trying too modify or refinance my mortgage pictures taking for insurance with out me noing it and being charge for years forced insurance policys. insurance claims denied because storms trees hitting my home placing extra fees to mortgage when my payments were on time and constant calls about going into forcloser i lost the property at XXXX XXXX XXXX XXXX il XXXX XXXX .. and high taxes when property value never match with taxes applied my XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  il XXXX wellfargo mortgage company is my old lender
Product: Debt collection

I randomly received an email from XXXX regarding a debt collection from a company name XXXX as they apparently attempted to collect some type of debt that does NOT belong to me, as I already have insurance plans in place that covers any/all of my medical bills, When I accessed my credit report to find out more information regarding this matter, then I found a credit inquiry as well as a collection record for the amount of {$500.00} as of XX/XX/2024 which I absolutely have no knowledge about. I believe this account was opened fraudulently by a hacker that somehow managed to steal my personal information. 

Im requesting to kindly assist in getting this negative remark removed from my credit profile and resolving this issue as soon as possible. 

Thanks, XXXX XXXX
Product: Debt collection

I received alerts on my credit of a collection of accounts that supposedly I owe and it was open on XX/XX/2023 I call to find out what company it was and they said it was XXXX I never had a XXXX account I just wanted this off my credit
Product: Credit reporting or other personal consumer reports

this is a creditcard or a charge i have no knowledge of It says charge off and i want it remove from transunion, XXXX XXXX XXXX I will inclose ftc report here with amount please dont close my complaint and tell me to open a new one with a different breau
Product: Debt collection

ERC repeatedly contacted my grandmother over a debt I supposedly owe for a phone bill. The bill was never sent to my address, which would 've been the only address within the phone bill account. I have never lived in the state that my grandmother resides or been associated with her address. These are illegal collection practices, as this information was never provided to this debt collection company. I received the bill recently from my grandmother that 's dated for  XXXX / XXXX /2016. I 've contacted the company. They were very rude. I was completely unaware of this debt, as they 'd been sending it to the wrong state. They apparently have sold the debt, so they assured me there would be no more bills sent to my grandmother. This illegal collection practices need to be stopped. It 's definitely a defamation of character.
Product: Money transfer, virtual currency, or money service

Turn on transferred {$5000.00} to chase to open a bank account and as soon as the money hit the account and they closed it and I did everything that they asked to prove to them who I was because it was one covid it just hit and they suspended the funds after I called complaining that they were making money off of the money that they should have already sent me a new check needless to say they still tell me I'm not who I say I am and then I'm not getting my money
Product: Checking or savings account

Account was originally a Union Bank account that was bought by US Bank. US Bank attached interest rate onto reserve line without permission, and also started automatically debiting money from my regular checking account into the reserve line, without permission. Customer service tries to explain their way out of the situation and hangs up instead of acknowledging it's illegal and stopping.
Product: Credit reporting or other personal consumer reports

This account was reporting that it was paid off and never late, than it was sold to XXXX, funding XXXX. I disputed the account with The CFPB, and was sent a response on this site that it would be removed and not reported again. Today I got alerts stating that XXXX XXXX, reported this account as a late pay write off. 
This company is breaking the law. Supporting documents attached
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

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

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 Section 602A. States I have the right to privacy. 
XXXX5 U.S.C.1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 ; XXXX XXXX XXXXXXXX XX/XX/2023.
Product: Credit card or prepaid card

I have been disputing a scam with Wells Fargo since XX/XX/XXXX. They have done absolutely nothing to protect me as a consumer and are looking to profit off of the interest earned from scam. 

A merchant was able to scam and double charge me by running my credit card multiple times until wells blocked transaction. The merchant told me that I needed to accept the transaction and then sign a new receipt because of this. This resulted in me being double charged {$3600.00}. 

When disputing this with Wells I was told because I signed receipt I had to call the merchant. After I spoke to merchant and they refused to reverse the double charge I realized I was being scammed. I escalated within Wells Fargo. 

The person on the escalation team said to me on a recorded line that I was scammed ( apparently the scam is portrayed in some movie she saw. Seemed excited to talk about it ). However because I signed the receipt there was nothing they could do. I continued to submit new evidence to support the fact I was scammed such as XXXX XXXX, obvious forgery of my signature on the invoices provided by merchant, XXXX reviews of other being scammed the same way. They continued to tell me I needed to provide new info and there was nothing they could do. 

After that I called XXXX XXXX to report the scam but they told me there's nothing they could do and need to call the bank. I reached out to XXXX XXXX XXXX XXXX but the XXXX lawyer they referred me to wouldn't even talk to me. I reached out to multiple lawyers and have not even received a response. 

After months of striking out trying to get help reversing the charge I decided to just cut my losses and pay the charge. I have had perfect credit my whole life and this transaction sitting there is destroying my credit. I don't have the cash but I was going to borrow against my XXXX or withdraw from ira to pay it. 

I reached out to Wells to try and settle. At a minimum I wanted to reverse the interest earned while disputing this transaction. I have been unable to discuss it with anyone. When I ask to escalate the situation the person never discusses what we are escalating, who we are escalating to, why we are escalating, what the potential outcomes could be. I have offered to pay all of the original transaction amounts. However I have yet to speak to anybody who could actually make that decision. Even though I have made every payment to them across multiple lines of credit over 10 years. 

Wells fargo has done nothing to protect me as a consumer, a victim, and a customer to their institution. Any steps they have taken were just checking a box to prevent further action from gov entities. There has been XXXX actual help or concern demonstrated. In fact without their text alert system this scam would not have been possible. 

Wells Fargo is once again looking to profit from scams within their consumer lending division.
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 ( CFPB ). 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.
Product: Checking or savings account

We had a 6 months CD with Chase Bank that matured on XX/XX/2020, and on that date, my wife and I visited Chases XXXX, NJ branch to claim the money from the CD. Our intentions were to reinvest the money on what could produce the most for us. Our options included : Depositing the money in our existing XXXX XXXX  account, which was paying higher interest than the Chase Savings Accounts, Selecting the frequently advertised Chases Savings Account which offered a {$200.00} bonus if the money remained in the account for 3 months, Or considering anything else suggested by the Chases Representative. 
We met with Chases Representative, XXXX XXXX, and clearly explained all of our needs and intentions, including the source of our funds. On XXXX XXXX recommendations we opted for the Chases Savings Account with the {$200.00} Bonus as being the best choice for us. Just before signing the final papers for the new account, XXXX XXXX cautioned us with this advice : Remember that you must keep the money in the account for at least 3 months to receive the {$200.00} Bonus We had no other contact with Chase on this issue until 3 months later in XXXX, when we visited The Chase Branch to make sure that the {$200.00} had been added to the account. This is when we found out that Chase would refuse to honor our agreement. Their reason for not honoring the agreement is : - That this was not New Money because it came from a Chases CD., even when the CD had already matured. 

Clearly, at the point that we could claim the money from the matured CD, it was our own money to do with the money whatever we wanted. And furthermore, on XX/XX/2020 Chase was fully aware of our intentions as well as of the source of the money for the new savings account. And of course, they also know that we entered into the agreement on the recommendation of their Representative. 

Chase first told us that The Branch Manager, XXXX XXXX, would be the only person who could make the decision on the {$200.00} Bonus. After many days later, I was able to speak with XXXX XXXX, who was very understanding but advised me that he would have to escalate my issue to higher authorities at Chase.. 
After more days later, I received a call from XXXX with the Chases Escalation Line, at XXXX XXXX. 
After many discussions and calls from XXXX, she advised me that Chase was standing by their decision to not honor the agreement for the {$200.00} XXXX XXXX was pleasant and made it clear that it was not her decision, but refused to give me the name or position of the decision maker or for that matter, refused to give me her own last name, title or her identifying Chases representative/agent number. She informed me that the only person who could provide this information for me was the Branch Manager, who obviously is the same person who escalated the complaint to her. 
It is clear to me that Chase has a special way of giving customers the run-around. 
I have since canceled the Savings Account in question and am in the process of cancelling other accounts that I still have with Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name appear different. I only use 1 name but showing many different names on file. Need to correct
Product: Consumer Loan

I leased my car about three years ago ; the payment has always been automatically withdrawn from my bank account and routed to the finance company through XXXX XXXX. XX/XX/XXXX, the finance company began making harassing calls to me stating that the payments were not being received anymore. I have been in contact with my bank who has also contacted the finance company and the bank and I agree that the payment has been paid/routed the same way so we did n't understand why the finance company was no longer receiving payment being that it had been paid the same way over about three years. The bank re-confirmed the account and routing number with the finance company where the payment should and has been going to. The finance company continued to harass and threaten me, that they we 're going to repossess my car. I would tell them that my payments have been routed the same way and I knew and have documentary proof that I have never missed a payment. On XXXX XXXX, XXXX, the finance company illegally repossessed my car without my consent ; which was a day after I gave the payment for XX/XX/XXXX. I have documentation that proves I have never missed a payment.