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

I am a victim of identity fraud and someone stole my identity and tried to open accounts using my name resulting in multiple inquire on my credit report I want them removed. 







XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Automotive XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX   XXXX, IL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022 I SENT A LETTER REGARDING INACCURATE INFORMATION ON MY CREDIT REPORT TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE, I FEEL LIKE I AM BEING TAKING ADVANTAGE OF AND BEING IGNORE OF MY DISPUTES. SECTION 611 ( a ) IT PLAINLY STATED THAT A FAILURE TO INVESTIGATE THESE ITEMS WITH IN 30 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THOSE ITEMS FROM MY CREDIT REPORT, IT HAS BEEN OVER 60 DAYS SO THEY SHOULD BE DELETED PROMPTLY. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSE ME. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX DATA BREACH AND MAY HAVE GOT INTO THE HANDS OF THE WRONG PERSON.
Product: Debt collection

I paid in full the amount of {$860.00} and it cleared my bank on XX/XX/2020. As of today it had yet to reflect on their end and apply it as such.

I attempted to make a purchase at Target to no avail. I also called 3 times to target. First time 37 minutes, 2nd time 48 minutes, last call 21 minutes.

During the 2nd time and 3rd time, they called my banking institution to confirm the payment had cleared. This was confirmed during the 2nd and 3rd time and my banking institution confirmed it.

Due to this, I was unable to use the 5 % discount back by using their card, an additional 10 % and the {$10.00} gift card on their website was not applied. So where I would have saved about {$30.00} on my purchase, I saved {$0.00}.

I awaited 4 additional hours to attempt to buy online. I awaiting 8 hours in total. The first time I was physically at their store.

The thing is, that at this time, there aren't many options of to where to purchase and pick up on the spot or get delivery. This is the worst part WE HAVE NO OPTIONS OF WHERE TO BUY! WHERE TO PICK UP! GET A TIMELY DELIVERY!

This is not acceptable.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit card

I applied for and was issued a credit card from USAA. I attempted to login to my online account and was unable to do so. I contacted USAA by phone and was informed that my account had been canceled. I was given no reason as to why it was canceled. I also received a letter from XXXX stating that they were adding a " Fraudulent Application '' note to my credit report that was instigated by USAA. I disputed the Fraudulent Application note and, after investigating the Fraudulent Application claim, it was unfounded and removed from my credit report. Legally, I should have been notified in writing within 60 days of USAA canceling my account with the reason for the account cancellation, I never received such notice.
Product: Debt collection

My bank account with XXXX was frozen/restrained on Monday XX/XX/XXXX. The bank told me a phone number to call Forster & Garbus LLC a debt collection law firm in state of New York. ( XXXX ) XXXX. I placed numerous calls to them before finally someone there would speak to me. I was told " they are out to lunch from XXXXXXXX XXXX  to after XXXX '' and " try calling later '' etc. Finally spoke with someone named XXXX XXXX and asked him what this was about. He said a XXXX XXXX credit card. I asked him to send me all documentation on this because I don't owe XXXX XXXX anything. He laughed and said no but I can pay this off and THEN they'll unfreeze my account. I told him I don't owe it and don't even know anything about it. So then I went to the XXXXXXXX XXXX XXXX XXXX office in XXXX and they said that XXXX XXXX XXXX and Forster & Garbus have a judgment on file for this dated XXXX. I had paid XXXX XXXX in full in XXXX of XXXX when I refinanced the house and took out a HELOC that was a debt consolidation loan that paid off all my then existing credit cards through XXXX, which now called XXXX. They dispersed the payments to the original creditors on XX/XX/XXXX. I contacted the holder of that loan, XXXX XXXX XXXX. The customer care agent worked with us on the phone for two hours digging through paperwork from XXXX XXXX ago and found the notarized copy of the dispersement of payments to the HUD as the house was XXXX at the time. She emailed us a copy of that. The bank then sent me in the mail list of exemptions. I qualified for the one that allowed me to keep XXXX XXXX of the last 60 days income. I sent that verification and forms to both Forster & Garbus and to XXXX. They still have not released my money. I tried calling XXXX to find out why they hadn't released this freeze as I qualified in exemptions to far more than what is in the bank currently and they just said 'call that attorney ' meaning Forster & Garbus so they have not honored the legal exemption the state allows on this. 
So XXXX and Forster & Garbus have frozen my bank account and refuse to send me any documentation for a credit card loan to XXXX XXXX credit card number XXXX that was PIF in XX/XX/XXXX by XXXX, XXXX XXXX ago. XXXX changed to XXXX XXXX since then. A fraudulent default judgment was placed on it four years in XXXX. I don't believe they ever legally renewed it after 10 years either but I didn't even know it existed until this week. Never was serviced then or notified after that this was an issue. I've tried contacting XXXX XXXX XXXX and they use a 3rd party company XXXX XXXX to handle all correspondence and phone calls so I wrote to on their website and have spoken on the phone to them several times trying to this judgment from XXXX that was placed against an account already paid in full of XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  no one will help. I've given the bank and the Forster & Garbus, and XXXX through XXXX all the proof. The account is still frozen but I need that judgment vacated as it was illegally placed.
Product: Credit card or prepaid card

I rented from XXXX, using Chase XXXX XXXX card ending in XXXX. The rental reservation XXXX from XXXX, shows the mileage in and out as conflicting with the actual usages. The information as stated on the final rental receipt is an usage of XXXX miles during this rental period. The actual usage is as below : 1. Origin : XXXX  XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX MI XXXX ( and back ) every alternate day during this period. 
2. Number of commute days : 3 days / week for 5 weeks and 2 days in the prorated week thereafter, = XXXX + XXXX = 17 days 3. Distance driven each day : XXXX miles 4. Total : XXXX miles, which, even at an approximation of XXXX miles does not correspond to the stated mileage of XXXX miles I was given only one key to the vehicle as against the standard practice of 2 keys indicating potential misuse of vehicle.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an unresolved matter with Experian, a credit reporting agency, regarding inaccurate information on my credit report. On XX/XX/2023, I contacted Experian regarding discrepancies in my credit report, specifically related to the following accounts : Account : XXXX  XXXX Account Number : XXXX  Date Opened : XX/XX/2023 Balance : {$160.00} Account : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2023 Balance : {$340.00} Despite my initial contact with Experian on the mentioned date, I have not received any response or resolution from them. The inaccuracies involve accounts that were never late, and I believe it is imperative that this incorrect information be promptly corrected on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was attempting to purchase new wireless service from XXXX. I have credit freezes with all three credit agencies. I went on line and successfully places a request to temporally lift the freeze and was successful with XXXX XXXX and XXXX. Experian refused to lift the freeze without explanation. I was unable to reach a representative at Experian for assistance and an explanation. The toll free number only offered me auto assistance and a response that I had to re submit my request in writing, via letter, to them and they were not going to respond to any correspondence. I then placed an order with XXXX, which was rejected due to the credit freeze from Experian. XXXX kept changing their story, saying there was a credit freeze, or a frozen file, credit, or a credit lock, but that they could not obtain my credit because Experian was blocking access to all credit, including XXXX XXXX and XXXX. I believe this is a violation of the Fair Credit Reporting Act. Experian should not be able to have service denied to me without explanation or appeal, and should not be able to block access to other credit reporting agencies.
Product: Checking or savings account

I am writing this complaint because I feel disregarded, neglected and discriminated by the financial institution that I had business and personal accounts with and kept XXXX of XXXX of dollars on my balance. For 10 long months I have been going through this and Ive been neglected, mistreated and discriminated. 
I opened my claims over 10 months ago and have been continuously calling and speaking to multiple claims supervisors and executive team representatives and I have been ignored and received an unprofessional approach. 
When I first called Chase I clearly stated that I want to dispute all of the XXXX transactions. Every time when I call to find out the status of my claim I was told a different story. It is their fault that they let over {$400000.00} to be wired without my permission as an account holder and notification. After 10 months of constantly contacting them I feel powerless. Because when I call now there is always an excuse and for some reason no one is available or they dont want to talk to me. 
I originally opened a clam for {$460000.00} for the same merchant. After continuous and difficult fights only {$43000.00} was mysteriously refunded. It is an insult to me that being a long time Chase customer, who constantly holds XXXX XXXX XXXX of dollars in his multiple accounts ; this is a treatment I receive. 

Please find attached the transactions mentioned above and copies of checks I have received. And the email from the merchant who was requesting funds back from me, because my financial institution took money without notifying me and constantly denying my clams and mysteriously approving a small fraction of my entire claim.
Product: Credit reporting

XXXX address and XXXX names listed under TransUnion credit report does not belong to me nor have I ever live there. Please assist!
Product: Debt collection

I am writing to dispute the validity of the debt referenced in the collection notice I received.
Product: Money transfer, virtual currency, or money service

Im 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 an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

I had an account that was deleted on XXXX XXXX from XXXX XXXX and reinserted on XXXX.And it was removed on Experian on XXXX XXXX and then reinserted on XXXX XXXX. I never received any notification that it was being reinserted from either bureau and there was no reason for it to be reinserted. Per the FCRA laws I am to be given a 5 day notification and I wasnt .I have at this point contacted an attorney and will go forward with a law suit if not removed and hopefully with your help it will be removed again finally. 
I want the account re-removed because they have failed to follow the law 1681 a 5 a of the FCRA 611 5b.
Product: Money transfer, virtual currency, or money service

My bank ( PNC ) does not allow linking my account to XXXX for investment purposes.
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 


- XXXX  XXXX XXXX ( XXXX XXXX XXXX ) Account Number - XXXX - XXXX XXXX Account Number - XXXX - XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX ) Account Number - XXXX - XXXX XXXX Account number - XXXX - XXXX XXXX XXXX  Account Number - XXXX - XXXX XXXXXXXX XXXX  Account Number - XXXX - XXXX XXXX XXXX Account Number - XXXX - XXXX XXXXXXXX XXXX - Account Number - XXXX - XXXX XXXX XXXX Account Number - XXXX - XXXX XXXX XXXX Account Number - XXXX - US DEPT OF EDXXXX Account Number - XXXX
Product: Credit reporting

I have disputed this information as being fraudulent, not mine or opened by me. They refuse to remove the accounts or reinvestigate the accounts and proof they are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

My father purchased a car for me in XX/XX/XXXX. I did not cosign for the car. The car never once was reported on my credit report until XX/XX/XXXX when my parents filed for Bankruptcy. The car was repossessed and I am assuming that since my parents did not include the car in their BK filing, that XXXX XXXX had to hold someone liable for the car, which was me. Why did they take 10 years to report this car on my credit report AND they report it as a delinquent account. What happened to ALL of the on time payments made for years? Why was that ever reported on my credit report, since they deemed me liable? But NOW, I am liable, so they decide to place it on my report as a delinquent collection account. Not right. Not fair. I was JUST in the process of buying a home and then this account came up and put a long pause on me buying a home.
Product: Credit card or prepaid card

In 2017 I seen on my credit report I have a wells faro credit card which Ive never applied for and never had in my possession. I went into the bank spoke with a banker and they tire to tell me a system error and would be removed unable to explain to me how it got there in the first place.
Product: Credit card or prepaid card

I opened the HSBC Gold Credit Card in early XXXX to do a balance transfer as they were offering 0 % interest with no balance transfer fee if the BT was done within 60 days of the account opening. I was approved for a line of credit for {$8000.00}, and I authorized a balance transfer of the entire {$8000.00} on XX/XX/2021. At that time, I put the account on autopay for the minimum payment. I checked my account on XX/XX/2021, and HSBC charged me {$320.00} fee for the balance transfer. I called HSBC and was transferred several times, and representatives all refused to reverse the fee OR to reverse the balance transfer transaction. HSBC claims the 4 % fee was disclosed to me- which in all of the documents I reviewed no where did it state a 4 % fee. Additionally I completed balance transfer online, so had there been a fee to be charged, the system should NOT of let me balance transfer the entire line of credit, as now I am {$320.00} over my approved line of credit and subject to an over-limit fee. 

Finally when I claimed UDAAP and CFPB, they said that I could pay off the entire {$8000.00} and they would submit for a possible waiver of the fee. Supervisor XXXX stated that she can waive the fee only after full $ XXXX was paid. I authorized a check over the phone for the balance transfer amount ( reference # XXXX ). XXXX said she will waive the balance transfer fee and OVL fee after the payment posts. This is not acceptable they were not able to cancel the balance transfer fee or reverse the balance transfer.
Product: Checking or savings account

I have had issues with my accounts since trying to open a joint account with my wife who is a not a XXXX XXXX, but has an XXXX, is on my tax bill, and my understanding is that I have the right to contribute to an IRA in her name. We also have been asked by immigration why we do not have any joint bank accounts, so I tried to open a joint checking account with her. I understand now that XXXX only offers checking accounts with a valid social security number. That is fine and that has nothing to do with my complaint. 

My complaint is in regards to my personal, individual checking account I opened in XXXX being locked since last XXXX, XX/XX/XXXX. I attempted to communicate with the bank XXXX, XXXX and was told that they could not provide me with any information and to call back XXXX, XXXX. When I did so, I was told that the reason for the freeze was that I had indicated on an account application that I had income from outside the XXXX. It is possible I checked the wrong box or provided inaccurate information without realizing it, but to the best of my recollection, I had indicated that my wife has income from outside the XXXX, but that I do not. I was told on XXXX that this issue would be resolved within XXXX to XXXX hours. I am very appreciative to the people who originally helped me because when I explained my situation and that I would be traveling that same day, they were able to unlock my account within a few hours. However, the following day my account was frozen again. 

I have again called XXXX twice regarding my account. Now they say they need to know details about my income from XXXX through XXXX, at which time I was working online and living with my wife in XXXX fulltime. I was contracting for a XXXXbased company who I continue to contract for on a part time basis. I really don't know what else to say as I do not understand why this would cause my checking account which I opened in XXXX to be frozen. This is all the information I have, they have simply told me that they are investigating and every time I talk to them since XXXX  they keep telling me it should be resolved by the following day. 

I am currently in XXXX for XXXX weeks with my wife, we are still in the process of her XXXX XXXX, and I came down to celebrate our five-year anniversary which is this XXXX, XXXX. I am not able to access my other account from XXXX ( XXXX ), so this XXXX account is my only source of funds other than my wife 's salary, but we were planning on using money from my XXXX account while I am here. I keep being told that things will be resolved. XXXX  I was given a XXXX window as the maximum this would take and I still do not have access to my funds. Any help is appreciated.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. Thecredit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/year> I ask them for information to show I did business with them. I never received any response