23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had fraud on my account in XXXX. In XXXX a new card was issued to me and the full balance was transferred to my new card. Then credits were provided for the fraudulent charges equal to about XXXX. In XXXX the charges were reissued to my card seems they didnt document the card was lost/stolen and not in my possession. In XXXX I received a letter that the charges were credited dispute was resolved in my favor. I never received new credits after the rebill in XXXX. I have called this bank over 25 times spoken to mangers and mangers mangers. They all say they are submitting to the fraud department and I should see the credits within 2 days. Last time I called was about 20 days ago my account is overdrawn due to this my credit score has dropped over XXXX points due to this and I refuse to make another payment. They owe me the credits for the dispute being resolved in my favor. I also have an email for a XXXX who never answers supposedly he is working on mh case from day one. When I call the number on the letter from fraud department I get a voice mail no one calls back.
Product: Credit reporting or other personal consumer reports

I am formally contesting and urgently requesting the removal of a fraudulent account from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report with the Federal Trade Commission and have also lodged a Police Report with my local police department. Furthermore, I have contacted the bank associated with the fraudulent account. 

The bank has acknowledged the legitimacy of the identity theft report and identified a potential system glitch that has impeded access to the records. They have assured me of the swift removal of the fraudulent account, which has been erroneously present on my report for over five years. 

Despite this, the fraudulent account persists on my report within your bureau, and I am curious about the confirmation process you have undertaken. XXXX and XXXX credit bureaus have ceased reporting this fraudulent account since the submission of the required documents. 

XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. THIS IS IN NO WAY A REGULAR DISPUITE, i have filed a complaint with the federal trade commission and XXXX XXXX XXXX  because it is to my knowledge I do not recall even opening this account. I need this problem fixed immediately. On XXXX 2021 I sent a letter to each bureau in regards to this account. I will not wait another 60 days to receive 0 response because clearly i am being ignored on this matter. [ I demand this account be deleted immediately or i will file for litigation due to the stress this has caused me and my family. ] In Section 611 ( a ), it is plainly stated that a failure to investigate this account within 30 days gives reason to immediately remove this item from my credit report and it has been well over 60 days so this account should be removed promptly!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting XXXX Bank several times and the 1st few times I couldn't get far because I don't have an account number or credit card that the automated system is asking me for. I don't have this because I don't have a card to even have an account number. I finally found away to speak to a live person, on to find it was like an answering service. She took my information and my complaint and stated she would give the information to the company because the issuer of the card is an internet bank or something to that wording. I never heard from them. 

I have disputed this item many time with the 3 major credit bureaus. It always comes back verified. Like I've stated above, I've never used a card from them, applied for credit, authorized anyone to put me on as an authorized user etc .... it is damaging my credit and I want it off. It also looks like the closed the account and reopened a second account. Once again without any permission from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB complaint is to follow up any response from the Credit Reporting Agencies after 30 days of investigation. As I reviewed my Credit Report, I noticed that there are still accounts that are reporting erroneous and incorrect information. I discovered that some of the information on my credit report was incorrect when I reviewed it. Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$28000.00} and XXXX XXXX XXXX Balance : {$340.00}.
Product: Checking or savings account

On Wednesday XX/XX/2023, I received two phone calls from XXXX which I first XXXX  before answering. This phone number belongs to the Chase Branch located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I have screenshots of the incoming calls as well as XXXX  page that shows this number belongs to this branch. I only answered the call due to thinking it would be a Chase representative. A woman representing the organization proceeded to tell me that they were alerted regarding some fraudulent activity on my account. How would I have known to think any different when NOTHING like this has ever happened to me, coupled with the fact that the phone number proved to be a legit branch of Chases? She proceeded to tell me that she would need to shut my debit card off and asked me to write down a new temporary PIN that she would be issuing to me, at which time I did. She stated that Chase would be expediting my new card in the mail ( 2-5 business days ) and when I received it I would need to go to an ATM and upon inserting the card would be prompted to create a new permanent PIN number and that for security reasons I could never use my existing PIN again and requested I give her my PIN to enter into Chases system to ensure it couldnt be used in the future. Without knowing, my information had already been compromised. She had my full debit card number ( without me telling her this ), name and phone number which I can not figure out how this happened. She knew she only needed to coerce my PIN out of me to steal from me, which she successfully did. She knew what to say, when to say and how to say it to get me to believe her. My card was then manually entered into someone elses phones XXXX XXXX and a man went to 2 local branches and withdrew {$4400.00} in cash from my account over 3 days. Chase bank did not try to contact me once regarding my account activity. Being a customer of over 17 years, you'd think they'd realize that proven my history I've never done such a thing. I didnt think to check my bank account any sooner as I was completely under the impression that my card was shut off. They conveniently withdrew amounts under my alert setting, which was anything greater than {$120.00}, so I wouldnt be notified about these ATM withdrawals. I have filed a police report, filed a XXXX  complaint, contacted my local news help line and put a fraud alert on my identity with all credit bureaus. We are only human, we make mistakes. Chase needs to show some support to their long-time loyal customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I Sent a Letter Off On XX/XX/2022. Here is my reference # XXXX. To Remove Personal Information That I Don't Want On My Credit Report. According To The Fair Credit Reporting Act 15 USC 1681. I Have The Right To Privacy. Also According to 15 USC 6802. No Financial Institution Is Not Supposed To Share my information to third party people.

These are clear violations of my Federally protected consumer rights.
Product: Student loan

Co-signed loan. Date of loan XXXX-XXXX-2010. Loan amount is {$10000.00}. Seven years later, the unpaid principal is {$10000.00} and the variable interest rate is 14.25 %. The interest and late fees are creating an installment loan that will never be paid off, thus my sons loan will perpetually haunt my credit. Im XXXX. I would like to retire one day and buy a retirement home. But due to Navient and this loan, it will come at a higher cost. Even if i give in and pay off this loan for my son, i still have an adverse event on my credit until I am XXXX years old. And what will that teach my son about responsibility for his own actions? I see he made payments on time. Seems like i should be able to get a release now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several medical bills that do not belong to me, they are reporting on my credit report but with a birth date of XX/XX/79 and my birth date is XX/XX/79. I reached out to the reporting agency United Revenue Corp and hospitals in regards to these accounts. The have been giving me the run around in regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is blatantly breaking the FCRA laws ... they refuse to investigate these fraudulent accounts properly, they previously responded to a previous complaint to the CFPB that these items were deleted from my credit file, yet when I pulled my latest report these items are still reporting ... ..every agent at the company lies, they told me point blank that they don't have to follow the same guidelines as the other 2 bureaus, my credit reports were with XXXX  and XXXX are reading as they should, my scores with those 2 bureaus are XXXX and XXXX respectfully, but EQUIFAX is reporting these fraudulent accounts that they responded were deleted and my score is a miserable XXXX, they are ruining my financial life and I am planning on suing for every penny that I can get from them ... ..they are the WORST!!!!! and I am attaching their previous response which is nothing but LIES!!! I am not going AWAY!! I will pursue this til the END!!!
Product: Credit reporting or other personal consumer reports

Fraudulent accounts on my credit report XXXX XXXX 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

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Barclaycard talked to me on XXXX XXXX, 2016 informing me that there had been a payment that did not go through to them on my autopay ( though funds were always available and nothing changed on the side of my bank ) on my barclaycard XXXX XXXX. When I spoke to them on XXXX XXXX, I made a payment immediately by telephone which cleared my bank on XXXX XXXX as suggested by the barclaycard associate on the telephone. Barclaycard had never sent me anything in the mail to inform me that there had been any difficulty with the auto-pay or that any monies were owed because of it. The associate told me that my payment of {$91.00} would put the account back into good standing - protecting my credit and giving me the opportunity to continue with my barclaycard XXXX XXXX. In good faith and taking the company at their word, I made the payment. Today, XX/XX/XXXX2016 I received a letter from Barclaycard dated XXXX XXXX referencing a credit report that they pulled on me ( without prior authorization ) that was dated XXXX XXXX, 2016. The letter stated that based on the information that they had on XXXX XXXX that my account was to be closed. Regardless of already possessing this information, barclaycard coerced me into making a payment after the date of the report under the pretenses that my account would be in good standing. Needless to say, that was a lie to simply collect the payment. 

I am concerned that in an attempt to collect on a debt that barclaycard and its employees knowing lied to me about the effects of making a payment while already possessing foreknowledge that the account was slated for closure. I believe that a collection violation and fraud has taken place in the knowing misportrayal of the situation to me by barclaycard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXXXXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payment on my credit report and I do not believe I was late on the dates they are reporting. I contacted them 3 times now & they claim this information is been verified but they have failed to provide me with any proof. This account should not be showing I was of 30 days late since it's a closed account & Ive never been late. Please investigate this matter & provide me with verifiable proof as I have seen none in the last 4 months of me disputing this issue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

OCWEN FORCLOSED ON THE PROPERTY WHILE I WAS IN THE MIDDLE OF A LOAN MODIFICATION WITH A HUD COUNSELER FOR THE STATE OF MARYLAND THERE WAS NO MITIGATION OR MEDIATION OFFERED AS REQUIRED BY MARYLAND STATE LAW. XXXX AND XXXX WAS THE TRUSTEE A COMPANY THAT HAS ALSO BEEN SUED FOR THIS PRACTICE AS WELL IAM STILL IN THE HOME THERE HAS BEEN NO LETTERS OF EVICTION OR ANY NOTICE TO LEAVE
Product: Checking or savings account

From XXXX to XXXX I had new accounts opened all the time
Product: Vehicle loan or lease

I was lied to, scammed, pressured and manipulated by the manager at XXXX XXXX into purchasing a new vehicle that I did not need nor wanted. I told them I was on a fixed income and could only afford payments similar to what I was already paying {$350.00} per month. The new loan is the same amount of my XXXX check which leaves me with nothing. I had returned the vehicle within 3 days and I was told by the manager by purchase was a final sale and denied all requests I made to purchase vehicle with lower payments. The car they sold me I didn't even get to pick out and has been having issues ever since. This loan is double what I was paying on previous vehicle. I have reached out on multiple attempts and have been dismissed and denied any assistance. I need HELP! It should be against the law to take advantage of a XXXX senior citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has incorrect information about my XXXX card account. It states the card is closed and charged off. I paid off the card and had an agreement that if I did, they would remove all negative reporting along with the entire account off of my credit report. The account needs to be completely removed as soon as possible.
Product: Credit reporting or other personal consumer reports

To ensure the credit report is 100 % accurate as we know. Every step must be taken to assure the information reporting, is accurate and correct. Therefore the following late payments need to be re-investigated. 
I respectively asked to be provided proof of this alleged late payments, and a payment history. I have been maintaining records of my communication with the company for the purpose of filing a complaint with the FTC if they continue with the noncompliance. I further remind you that, in XXXX vs. XXXX XXXX XXXX, No. XXXX ( C.D. XXXX. XX/XX/year> ), you may be liable for willful noncompliance if the validation of debt request isnt completed. 

Please have the creditor provide a validation of debt documents to the XXXX  as well as certified mail to me. It is extremely important that these documents are submitted to XXXX  to ensure fairness. And they are not continuously brushing me off. Thank you for your assistance. 
If the creditor can not provide payment, history and documents, please have this account removed from my credit file
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX TD Bank ( XXXX Branch Number XXXX ) prepared and sent an International outgoing wire to XXXX , XXXX XXXX deducting {$9800.00} from my account to do so. On XX/XX/XXXX the recipient stated it had not arrived. So I had TD do a trace to find the wire. They stated it was at XXXX bank and may be held while funds converted. When the recipient could not trace from their end I requested a recall of the wire. In all cases there was no response from the XXXX bank ( if it was there ). 
From then XX/XX/XXXX until now XX/XX/XXXX no response from XXXX bank is the only report I get when I call. Frustrating is no one wants to help and requests for escalation are ignored. Evidently no one is skilled enough to trace and retrieve. 
The recipient was sent copies to trace from their end and their bank said no wire with those dates and amount was found. 
I feel this wire is in limbo or maybe a false image out there in the system. 
How can their be so little knowledge or skill if a bank is providing this service No one wants to help. I call XXXX XXXX and wait while the rep calls Wire Dept. the answer is always the same : nothing can be done, it is the XXXX Bank holding the money.
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 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 do not comply with error resolution requirements under the Electronic fund transfer act ( EFTA ) and regulations E. these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

I deposited {$75000.00} Day 1 of account opening. That balance had to maintain by the 21st day of opening. Then maintain that balance from the 21st day of account opening for an additional 60 days. Then {$1000.00} bonus was to be paid. 

So if all that was met 81 days from the day of account opening bonus should have been paid I has been 90 days and I have not received my bonus as promised.
Product: Debt collection

in regards to case XXXX. XXXX XXXX XXXX, XXXX, Florida. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX VS XXXX XXXX ( PRO SE ). Plaintiff law firm of Cianfrone, Nikoloff, Grant & Greenberg ( XXXX XXXX XXXX ) is a confirmed DEBT COLLECTOR as stated on their signature on emails as well on court documents. They were NOT hired by the condominium Association. As of this date they have violated several areas set by the FTC. They refuse to contact the opposing attorney ( myself acting pro se ) in setting court dates for hearing. They are after a debt which was written off many years ago by the condominium association. They receive a percentage of the debt if they win. The law firm is trying to also get ridiculous attorneys fees as well and astronomical interest added to the original debt owed which was written off. They are unethical, unprofessional, liars, cheats and your typical debt collector violating the agencies whom over look them. 

I have all of the paper work if you need to see.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX and Experian for non-compliance with federal and state laws regarding the improper reinsertion of a fraudulent Bank XXXX XXXX account on my credit report. On XX/XX/year>, I disputed the fraudulent Bank XXXX XXXX account as identity theft, providing all required documentation, including a Police Report, FTC Identity Theft Report, and CFPB Complaint. I am now also submitting documentation from the New Jersey Attorney General, FTC Fraud Consumer Report, and XXXX XXXX XXXX Despite this, XXXX and Experian reinserted the account without adhering to federal laws, including 15 USC 1681i ( a ) ( 5 ) ( B ) for failing to notify me within XXXX business days, 15 USC 1681i ( a ) ( 5 ) ( C ) for failing to provide certification of the account 's accuracy, and 15 USC 1681i ( a ) for failing to conduct a reasonable reinvestigation. Additionally, they violated 15 USC 1681b by allowing the account to remain without verifying a permissible purpose, 15 USC 1681c-2 by failing to block fraudulent information after receiving sufficient documentation, and 15 USC 1681e ( b ) by failing to ensure maximum possible accuracy in reporting. These actions demonstrate willful and negligent noncompliance with the FCRA under 15 USC 1681n and 1681o. While XXXX has removed this account, XXXX and Experian continue to report it, causing harm to my credit. I demand the immediate deletion of this account, as continued violations will result in damages of {$1000.00} per violation under the FCRA.