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

I received a letter from CFPB on XX/XX/2022, that you closed my complaint to protect myPRIVACY. I called XXXX, XXXX, and Equifax after I purchased a credit report fromXXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLEitems on my personal profile, I noticed that there were Names : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX. Accounts : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : $ XXXX : XXXX  XXXX my credit report which are UNKNOWN to me. This isdisappointing because I have been paying XXXX XXXX to get a report every month and Ihave been disputing fraud items on my credit report all this time. One of the staff told me tovisit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED ORREMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) thecredit bureaus are required to remove/block any item which was opened without myknowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of theidentity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of suchinformation by the consumer; and ( 4 ) a statement by the consumer that the information isnot information relating to any transaction by the consumer. 
A copy of my Driver 's License, Social Security Number and Proof of Address are all included in this complaint. I want you toknow that I am telling the truth and by XXXX, XXXX, and Equifax not blocking theseitems are inadvertently resulting in me being extorted.
Product: Money transfer, virtual currency, or money service

Since XXXX of XXXX I have not been able to access my Venmo account. It is now XXXX of XXXX. There is little response besides " we are working on it '' or that this is a known " nationwide '' event with their service. They have not provided estimates on when the problem would be fixed or provided a solution to obtianing funds left in the account. They often say to try again in 24-48 hours.
Product: Money transfer, virtual currency, or money service

For months asked Venmo for my virtual currency. 
Venmo will not release the funds. 
I submitted a complain to consumer finance dot gov. 
IMO, as result of submitting a complaint to you this week, today Venmo restricted my access further. 
I feel embarrassed as a customer and bullied.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to  request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX  XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX BANK XXXX XXXX XXXX {$6100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9700.00} XXXX XXXX  XXXX XXXX XXXX : {$8700.00} XXXX XXXX XXXX  XXXX Balance : {$6100.00} XXXX XXXX  XXXX Balance : {$5100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX AV XXXX, WI XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX  XXXX XXXX XXXX : {$4400.00} XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX2022 I recently reviewd my credit profile and was under the impression that i had inaccurate items or reports on my credit profile under my name and personal information. I gave oral and written instructions to these credit reporting agencies at least one already. I have been ignored, displaced and adverse action taken against me for these inaccuracies. Below I found hard inquries I do not recall nor have permisable purpose to be on this profile attatched to my me or my information. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX MORTGAGE XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX PLEASE REMOVE THESE INQUIRES FROM MY PROFILE XXXX ARE FURNISHING WITHOUT PERMISABLE PURPOSE.
Product: Mortgage

Citimortgage disbursed {$5800.00} out of my escrow account for my property taxes on XX/XX/2016. As of XX/XX/XXXX these taxes have not been paid. I 've called Citimortgage and told this is normal. XXXX County says they have not yet received the tax money. My money has been missing for 45 days now and the bank has made no effort to rectify the situation.
Product: Debt collection

I am sending the same package as I am sending you to the Virtuoso Sourcing Group.
Product: Credit reporting or other personal consumer reports

I don't think you understand how miserable it already is to live with so much stress, and these inaccuracies adding up to such stress is giving me the worst possible nightmares I have ever had in life. I don't know for how long this will continue considering for the past XXXX months, I have consistently reached out to your company about this matter and I haven't gotten any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I purchased a car Santander and was charged of showing a date of last activity of XX/XX/XXXX with Santander. The loan was sold to XXXX and later sold to XXXX XXXX XXXX. In XXXX I noticed the account still showing on my credit report with Santander with a date of last activity of XX/XX/XXXX and I disputed the account with XXXX XXXX XXXX after I noticed that it was still on my credit report after the seven 7 reporting statue. 

I would like for you to send me a printing of all the payments made to this account along with copies of the contract and proof of the date of last activity of XX/XX/XXXX if it was a payment or credit to the account. 

I have attached the two credit reports one showing the Santander account and the other one showing it removed after I disputed it wtih XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, re : Experian unverifiable bankruptcy reported on my credit report. Bankruptcy XXXX XXXX XXXX. XXXX. First of all, there is no company I am referring to the XXXXXXXX XXXX XXXXXXXX, XXXX XXXX of Florida, XXXX XXXX, XXXX, Florida XXXX. On XX/XX/2022. I sent a letter to Experian Credit Bureau, XXXX XXXX  XXXX, XXXX, TX XXXX in the above referenced bankruptcy. As of XX/XX/2022, no one has responded to me yet. Experian never removed the bankruptcy nor has my score been changed. According to my research I am entitled to XXXX points once my score is updated. I have attached a copy of the page in the Experian credit report they have no intention of correcting my report or my score. The FCRA mandates that Experian correct the unverifiable information within 30 days, or it must be removed. It has been 76 days and there has been no change. I am attaching a copy of the letter that I sent to Experian on XX/XX/2022. This letter was sent certified mail return receipt requested. XXXX XXXX XXXX XXXX XXXX received on XX/XX/2022 XXXX received by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccuracies in my credit file maintained by Experian XXXX and XXXX XXXX. Despite numerous attempts to rectify these issues, my credit report continues to contain outdated information, including old addresses and an incorrect date of birth. Furthermore, the credit bureau has removed my social security number from my report, severely impacting my ability to apply for credit, secure housing, and pass employment background checks. This issue has persisted for over nine years. 
I am formally requesting the following corrections be made immediately to my credit file : Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Specifically, I request : 1. Removal of outdated addresses. 
2. Correction of my date of birth to XX/XX/year>. 
3. Add of my social security number, XXXX. 
These corrections are essential for restoring my ability to engage in financial transactions, secure housing, and pursue employment opportunities without unnecessary obstacles. 
Enclosed with this letter are copies of relevant documentation, including proof of identity and previous correspondence with Experian XXXX and XXXX XXXX, supporting my request. I kindly request acknowledgment of receipt of this complaint and a timeline for when these corrections will be completed. 
Thank you for your immediate attention to this matter. I look forward to your prompt resolution.
Product: Debt collection

The company, " Portfolio Recovery Associates '', has been calling repeatedly for almost one year now. In reviewing, we have found no affiliation with this company and can not ascertain the need for them to continue calling our number. Despite a letter sent to them requesting that they stop calling, we received a call on Sunday afternoon, ( XX/XX/2018 ). This has become harassing and they simply need to stop.
Product: Checking or savings account

My debit card experienced unauthorized charges in the early morning of XX/XX/21, two series of transactions for {$2300.00} at various ATMs and {$7200.00} at multiple XXXX XXXX and XXXX convenience stores. I called to immediately report these charges to my bank, Chase, as soon as I noticed them that morning and told them the circumstances surrounding the charges and suspected theft of my debit card. I asked Chase if I needed to file a police report to move forward with this fraud claim and I was told I did not. I then proceeded to file the fraud claim with Chase the following Monday XX/XX/21 when their claims offices were available. I just found out today that my fraud claim for {$2300.00} was denied based on not having a police report and because the stolen debit card was returned to my room later in the morning of XX/XX/21, even though it has now been multiple days since the incident and I am not in the same city, XXXX XXXX, where this happened.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I applied for a mortgage with XXXX XXXX Bank, Division of XXXX Bank in XXXX, Wyoming at around XXXX XXXX  via their secure online portal. The loan application had myself and my husband listed as the borrowers. By XXXX XXXX  XX/XX/year>, my husband had received XXXX phone calls from XXXX different mortgage companies asking about our mortgage application. All three phone calls came from Nebraska area code phone number but none of the mortgage companies are in Nebraska. ( We have Nebraska phone numbers and assume the caller numbers were spoofed to entice us to answer them ) The first text was from XXXX XXXX with a picture of his business card from XXXX XXXX Loans in XXXX, MI. The second company sent a text and phone call from XXXX with XXXX XXXX Mortgage XXXX. I talked to XXXX and he claimed to have known my husbands XXXX XXXX and told us that he had received our information from XXXX. I did get a call back number for him. The third caller claimed to have gotten our information from Experian. I can give further details on the companies that contacted us. 

Our bank had never heard of any previous customer receiving phone calls like this and prompted us to file a complaint.
Product: Mortgage

Please consider this correspondence to be formal notice that your company has failed to comply with the Loss Mitigation Procedures set forth in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX by failing to postpone the scheduled foreclosure sale to complete our mutual client 's loss mitigation review. Our mutual client submitted a loan modification application and your company failed to submit a missing document request within five ( 5 ) business days in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Pursuant to XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX the application was therefore " facially complete '' and was entitled to be treated as a complete application throughout the course of the loss mitigation review. Postponement of the foreclosure sale is therefore required pursuant to XXXX XXXX XXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

Per the FCRA, I am a Federally Protected Consumer under 15 USC 6 8 02 and want all closed accounts removed from my credit file.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding an accurate sees in my credit report. Despite my submissions, Equifax consistently responded within 24 hours stating the account is accurate without providing any evidence of those investigations. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act consumer financial ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), add highlighted in the CFPs recent administrative proceeding. ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
The accounts below are the accounts that are inaccurate. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find errors on my credit reportaccounts I dont recognize. I have no clue how this happened! I check my credit report regularly, and it has always been accurate, so seeing these discrepancies just blindsided me. I even refreshed the page multiple times, hoping it was just a temporary glitch, but the mistakes didnt go away. I am pleading for a thorough review of the documents I provided so I can feel safe about this again.
Product: Mortgage

I recently applied to refinance my current mortgage with Wells Fargo as I have been a loyal customer for 20 years. While I applied they demanded that I pay them an upfront fee for over {$500.00}. I'm was confused as my sister in law recently applied and she didn't have to pay any upfront fees yet she lives in a nicer area of XXXX XXXX ( zip code XXXX ). Yet I live closer to down town in more rougher area which I feel is unfair ( zip code XXXX ). Also, if I pay the upfront fee I will not be able to pay my mortgage payment as the upfront fee they requested exceeds my monthly mortgage payment. So they forcing me to choose between keeping my mortgage current or paying them to refinance my mortgage. Regardless they are not be fair to me because of were I live and intentionally trying to push me into a past due situation.
Product: Checking or savings account

My wife has linked a debit card from my checking account to her PayPal account. She recently filed a dispute when someone had sent back an item merely because she did not want it anymore. Approximately 371 dollars a and change was charged to my account even after my wife had the dispute resolved in her favor. It seems PayPal reversed it giving no reason but my issue is that the account charged is mine and mine only. The PayPal account is my wife 's, I have nothing to do with that. The amount was taken out today, XX/XX/2019 when the matter had been decide in my wife 's favor about one week ago. My concern is PayPal is using deceptive practices and charging a debit card which is under my name, account and all, and my name only, on an account that is not mine buy my wife 's and hers only after refunding the money a week prior. I've contacted my bank but they are still attempting to see if they can resolve the issue being that the PayPal account is not mine but the payment method is, which I did not authorize. Thank you
Product: Credit card or prepaid card

I got {$12000.00} in fraudulent transaction and my phone stolen. around XXXX of 2017. I contacted chase numerous times and reported the fraud twice. Both times they disagreed and said the fraud was valid. However the investigator XXXX XXXX made one call to me and didn't leave a voicemail. When I called back 3 times I could not reach him nor made any effort to reach back out as he needed more information yet no one told me what they needed aside from a receipt from XXXX showing I replaced the XXXX a few days after the incident. This is highly unacceptable and I'm also reporting this to the attorney general and local law enforcement. 

Denial reason : XX/XX/XXXX : additional documentation not received and having a relationship with XXXX. 

XX/XX/XXXX Submitted for review for a 3rd time.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in XXXX. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit card or prepaid card

This is been going on with Chase 5 or 6 months. First, they sent me a credit card bill for a chase credit card I never owned or applied for. After about 5 months, I called again after contacting you, and they actually closed the account and sent me a written confirmation. 
In today 's mail, they sent me another credit card for which I did not apply. 
I want that card cancelled immediately. I cut the card into pieces upon receipt. Are these people at Chase criminals. What is going on. Please tell them I contacted you. 
XXXX XXXX XXXX XXXX, MS
Product: Credit card or prepaid card

XX/XX/2019 I needed a refund from a store that could only refund via CC. The prepaid card I purchased and have the refund on is called Bluebird, backed by American Express, then involved with a third party called SERV. The temporary card receive a refund for {$110.00} in the first week of XXXX, which Bluebird themselves told me. However, there was an error on their website which is supposed to link the temporary Bluebird card, to the new card sent in the mail. I called Bluebird to make sure everything went thru correctly, and was informed that my registration and activation were both completed properly, the cards were linked, and I wouldn't need the temporary card anymore because as soon I activate the new card, the funds would automatically transfer. Over a month later, they have my money on the temporary card, it never transferred to the new card. However they know it's there, it's on my registered account with all of my personal information including social security number, yet they have repeated refused to offer any resolution because of a technical problem that did not link the cards. So they have my money, can not transfer it, can not mail me a check and basically charged me {$5.00} to steal more than 9 hours of my life pursuing payment of what is rightfully mine. XXXX XXXX, the issuer of the refund, also has record of this transaction. I have spoken to 3 different FOREIGN customer service SUPERVISORS, over 12 " Customer Care '' representatives, including some with American Express, only to be lied to and at best led to believe they acually cared about my stolen money. NEXT CALL I MAKE IS TO MY ATTORNEY!