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

On XX/XX/XXXX, I sent a mail regarding identity theft and fraudulent accounts on my credit and i got a mail 3 weeks later from XXXX stating that " i was not the one who sent that mail ''. I feel as though this is ridiculous. I spend my weekend gathering all the documents to receive a mail like that. I am extremely upset. I have been trying to fix this issue for a while now and nothing. These accounts listed on my credit report are not related to any transaction done by myself. I have attached the FTC report along with my drivers license and social.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with them. They are fraudulently reporting on my credit bureau.
Product: Credit card or prepaid card

I requested a new card with my previous address, was informed that my card was sent out on XX/XX/XXXX. 
Was told it takes 5 to 10 business days. 
Called in when I did not receive card, was told it was sent off on XX/XX/XXXX Today is the XX/XX/XXXXand still have not received card. 
Please address this matter A.S.A.P. 

Thank You XXXX XXXX
Product: Money transfer, virtual currency, or money service

Transaction date of XX/XX/year> I was at XXXX XXXX XXXX and went to the cashiers window to do a cash advance for {$2000.00} + XXXX casino fee using my debit card.The transaction was declined. The gentleman ran my card again for {$2000.00} XXXX casino fee. Again, the transaction was declined. I did have one go through for {$1000.00} + {$52.00} fee no problem on this one. I didnt realize until 2 days later that the total of {$4300.00} was removed from my account. I called and filed a claim and, was told that since it was a gambling establishment there was nothing they could do to refund what they illegally took from my account. They denied the claim, not using all of the information that I provided from the casinos transaction reports that show both transactions were declined. I filed another claim and again was told the same thing and if I got a letter from the casino stating the money would not be used for gambling purposes they could possibly help me with my refund. I then contacted Chase Bank executive offices in New York again they denied the claim and used only the page that shows the intended transaction amount, not the page that showed the transactions declined. Again, they denied my claim. The transaction reports from the casino were getting ragged since I have been fighting this over 3 months. I went back to casino to get a fresh set of transaction reports and they could not find the 2 declined transactions. They said that only declined transactions dropped from their books after 90 days and that was the reason they couldnt no longer pull the report. The one that was approved in the amount of {$1000.00} was there, not the 2 declined. This is more proof that the transactions were declined the casino will verify this. I have been with Chase Bank for 22 years and never heard of them being able to tell someone how or where they can spend their money. This, in my opinion is blatant theft of {$4300.00} from my personal bank account. I am attaching the snapshot where my account was debited and the transaction reports from the casino.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to prevent and address fraud on their platform, leaving my account vulnerable. Their dispute resolution process was unfair and deceptive, violating error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions caused significant inconvenience and financial loss, and I seek redress.
Product: Credit reporting or other personal consumer reports

The account was removed from my credit due to payments meeting criteria for the XXXX payments qualifying me for student loan forgiveness.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address the fraudulent accounts that have been reported on my credit file. I am a victim of identity theft, and these negative accounts are the result of criminal activities conducted without my knowledge or consent. It is essential that these inaccuracies be rectified immediately to prevent further harm to my credit standing. The fraudulent accounts in question were opened by someone close to me, who stole my personal information and used it to open accounts in my name. After becoming aware of these unauthorized activities, I contacted the respective banks, who have acknowledged the situation and agreed to remove the fraudulent accounts from their records. 
To support my claim, I have submitted the necessary Identity Theft Report with the Federal Trade Commission ( FTC ), and I have attached a copy of this report for your reference. The banks have confirmed the identity theft and are aware that the accounts were opened without my authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ...., XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXX
Product: Debt collection

I received a text from a friend that a debt collector, from Pioneer Credit Recovery Inc., XXXX at XXXX called him asking about me.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX XXXX  XXXX XXXX. has violated my rights. 


15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # ( XXXX ) XXXX Account # : XXXX Closed ; ( XXXX ) XXXX  XXXX XXXX Account XXXX : XXXX Closed ; ( XXXX ) XXXX  XXXX Account # : Date Reported : Condition : Credit Limit : XXXX Closed ; XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not Furnish account without my written instructions.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Truist says payments were applied for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However the principal owed doesn't go down more than {$250.00} to show I made payments during these months. 

Information is missing from my bank statements. I can't give you amounts or check numbers because they're entirely missing from my statements. I'd like Truist 's assistance in providing me with check images so I know which bank is missing information. 

By the way this is XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX no longer has my credit profile on their website when I log in to my account on XXXX  theres no credit summary for me and no credit score listed aswell literally zero information also when I login to my account on XXXX XXXX my XXXX credit score hasnt been updated in two months and when I log in to experian to check my XXXX report theres a message that reads Sorry, we can't show you today 's 3- bureau report. This might mean that XXXX has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. 

I called to speak to someone at XXXX about why my credit report hasnt been updated in two months and why theres no credit summary for me on their site and they said they can mail me my credit report which is fine but that doesnt fix the online issue Im having I need them to fix this so I can get regular updates on of my credit report on their website
Product: Mortgage

Unfair treatments payments not posted correctly funds to complete construction claim unfairly withheld
Product: Mortgage

Bayview loan servicing has changed the loan to another bank and I have not been notified of this loan change or have I gotten any replys from them in regards to the elimination of the fraudulent loan. Someone has filed a default on my property in which no one has ever given me any notification of. I nor my mom have ever taken out any loans on our property. I have sent them all the documents that was requested and they have never responded back.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several inaccuracies that are adversely affecting my credit score. These inaccuracies include accounts that I do not recognize or transactions that were incorrectly reported. Attached, you will find a detailed list of the accounts and entries in question
Product: Credit reporting or other personal consumer reports

I looked at my copy of my credit report and notice several inaccuracies on my account. This is hurting my ability to future credit It's My understanding that the credit bureaus will investigate this account to ensure accuracy Here is the Account name : XXXX XXXX account number ( XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  whose address is : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone ( XXXX ) XXXX wrongfully reported to all three credit reporting bureaus that XXXX credit card account which I have with this bank last XXXX digits # XXXX, is late and past due for the months XXXX and XXXXXXXX XXXX  XXXX.As a result of this clerical mistake my credit score went down XXXX points, and I have lost access to a wide array of financial products previously available to me. All payments on this credit accounts have Despite these attempts, been made and sent by me to XXXX XXXX XXXX  in time. In good faith I have disputed this issue with all three credit bureaus XXXX, Experian and XXXX, asking them to remove erroneous information from my credit reporting files submitted by XXXX XXXX XXXX. Despite all these attempts erroneus negative information stayed in all my credit reports. I also sent a letter to XXXX XXXX XXXX  explaining the situation and asking them to remove erroneus negative information from credit bureaus... I have never received any answer from XXXX XXXX XXXX. I have excellent credit and have never been late with any of my payments. Here I am, respectfully asking CFPB to take into consideration all the facts mentioned above and care for a full investigation.Thank you.
Product: Credit reporting or other personal consumer reports

XXXX months ago i was checking my credit report and i noticed XXXX accounts thats not mine and XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT JPMCB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A debit collector took over my debt but the people it took it from lied and was charging me rent for a property I wasnt staying at .My lease was over and I moved out like any normal tenant.The payment is so high that you would actually think who would stay in a place that long with out paying rent or even being evicted by now. I reached out for a dispute with evidence showing that I havent even been staying there with proof of bad living conditions and mold and big trash container in front of my house that literally caused rats and fruit flies and roaches to try to enter into home.Why would any human being stay in non humane conditions. They didn't investigate correctly nor took my evidence and actually contacted companies to show proof of me living there or even seeing why there wasnt a eviction filed or anything for such a long period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first contacted Equifax on or about XX/XX/2018 about an incorrect address on my credit report that caused incorrect information being sent out about me. I later determined that Equifax had me and my daughter mixed up. This caused my daughter 's information to be associated with my social security number. In the weeks that followed they refused to change anything because they claimed to have credit information from a local bank to prove what they had was correct. They would not show me that information but I determined it came from me co-signing for a loan for my daughter. They have made a mistake and will not correct it. Also they will not send me a copy of the credit report they have on file.
Product: Money transfers

XXXX/XXXX/2015, I contacted XXXX XXXX XXXX with whom I have a brokerage account, regarding my desire to send a money-transfer, the following week. On a recorded line, the representative informed me the charge for this service was a flat-fee amount, either {$24.00} or {$25.00}, he was not quite sure. I believe the rep 's name was XXXX XXXX. 

XXXX/XXXX/2015 I phoned XXXX to initiate the transfer. When I asked him, the rep told me there would be no fee for the transfer, and that the exchange rate from XXXX to XXXX would be XXXX. I assumed the remission of the fee was due to my being a Premium Elite Client. XXXX has sometimes granted me such rewards. 

After completing the wire request, I thought to look up the exchange rate. It was between XXXX and XXXX! Based on the amount of the wire ( {$15000.00} ), the wire charge ( fee ) was therefore {$300.00} [ ( XXXX ) * XXXX ]. I called back XXXX, and they confirmed the standard rate was a 2 % charge. 2 % of {$15000.00} is indeed {$300.00}. I pointed out that it is absurd to charge {$300.00} to wire money, and that even XXXX would do it for a fraction of that. IN ANY CASE, THEIR REPRESENTATIVE HAD ALREADY STATED THE FLAT FEE WAS {$25.00}. 

XXXX XXXX refuses to refund the {$300.00} out of which they cheated me ( THE FEE WAS NEVER STATED TO ME IN ANY WAY ). I want them to refund the {$300.00}, and charge me the flat fee, as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving notice I was furloughed from my employer, I called Consumer Portfolio Services , Inc. and advised I was furloughed for XXXX and Representative labeled my account as affected by Natural Disaster and advised by doing so it would not report to the 3 credit bureau repositories. I have recently pulled my credit report for XXXX, XXXX  and XXXX  to find the months of XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 are all showing late. I have since gotten money to pay my account up to date and called back after to advise a supervisor and spoke to someone in the XXXX Department that advised it was nothing he could do to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

An online dispute was submitted to Experian on XX/XX/2019 regarding a 30 days late listed on my credit report for the month of XXXX. I disputed that XXXX 's payment was not 30 days late, but was indeed paid. Experian stated, after the investigation was complete on XX/XX/2019 and that it was reported accurate by the data furnisher. I also received an updated credit report on XX/XX/2019 showing the late payment ( attached ). 

Attached is proof that a {$1000.00} payment was made for the month of XXXX on XX/XX/XXXX to XXXX XXXX and was not late, along with the confirmation number furnished by XXXX XXXX. There was also the minimum payment paid on XX/XX/XXXX for {$50.00} shown as well, which shows that the XXXX payment was paid days early and was not 30 days late.
Product: Credit reporting or other personal consumer reports

I am reporting fraudulent account on my credit report please delete this fraudulent account from my report XXXX XXXX  open date XX/XX/2023 credit limit XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. 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 reported to be removed/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. 

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!
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXXXXXX Balance : {$710.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} ; XXXX XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

1. Identity Theft XXXX {$7100.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the FCRA 2. Identity Theft XXXX XXXX XXXX  {$18000.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the FCRA 3.  Identity Theft XXXX {$1200.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the FCRA The following accounts can not be verified and I am requesting that the following accounts be removed immediately from my credit report. I am seeking further legal advice in addition to working with a police investigator to locate the individual who is responsible for fraudulently establishing this account without my permission or authorization. I have tried to work with credit reporting agency as well as the credit grantor to have these unverifiable accounts removed from my credit report. If I am unsuccessful with this attempt, I will be forced to file a suit in federal court naming your credit reporting agency, the above creditors, collection agencies, and acceptor of this letter as defendants. 

It is my understanding that per, the Fair Credit Reporting Act, this request must be given attention within 30 days of your receipt. Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

consumer have informed TRANSUNION of errors on consumer 's credit report. TRANSUNION intentionally continues to furnish this information on the report defaming consumers character.
Product: Credit reporting or other personal consumer reports

I recently check my credit report and I saw some incorrections that were not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the reporting of late payments on my credit report. I believe that these late payments are inaccurately reflecting my payment history and adversely impacting my creditworthiness. I request that they investigate this matter promptly and remove the disputed late payments from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Creditor : XXXX Account XXXX : XXXX Date Reported : XX/XX/2023 & XX/XX/2023 I assert the following reasons for disputing the accuracy of the reported late payments : 1. Error in Reporting : I have thoroughly reviewed my payment records and have found discrepancies between the reported late payments and the actual payments made. I have consistently made timely payments to XXXX and can provide documentation to support this. 

2. Good Payment History : Prior to the alleged late payments, my payment history with XXXX has been exemplary. It is highly unlikely that I would suddenly deviate from this pattern without any valid reason or notification. 

3. Request for Investigation : I request that they conduct a thorough investigation into the accuracy and verifiability of the reported late payments. This includes verifying the dates, amounts, and any associated fees or charges. I also request that they contact XXXX to confirm the validity of the reported late payments.