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

On XX/XX/XXXX I attempted to use my XXXX XXXX ( Social Security XXXX   benefit ) card to purchase items at a local supermarket near home in XXXX MI.   I was shocked when informed my card was " invalid '', knowing there should have been more than enough money to cover my small purchase. I immediately went online to check the status of the card and discovered things were very wrong. My geographics were changed to a new address at XXXX XXXX XXXX XXXX XXXX GA XXXX  on XX/XX/XXXX with new card replacement and expedited shipping fees to the hacker 's address equaling {$17.00}. Then, I discovered on the same day of my attempted shopping trip in MI onXX/XX/XXXX, between XXXX-XXXX there were 4 ATM withdrawals made in the amounts of {$200.00}, {$200.00}, {$200.00}, {$100.00}, and three {$.00} fees at XXXX XXXX XXXX XXXX XXXX XXXX GA. I called XXXX XXXX and notified them of the ID theft, robbery, forgery as the hacker would have had to sign the new card in order to validate it, and tampering with US mail. The hacker 's card was cancelled and a new card is en-route to me. But I have yet again been mandated to pay an additional {$17.00} for this card/shipment. 2 police reports were made to report the crimes in XXXX, MI and XXXX XXXX GA. The SSA admin, XXXX, and Medicare have been notified. All 3 credit bureaus have been placed on fraud alerts with credit freeze. I am highly concerned as I change passwords to my account frequently and do not give out private data, except to those privy-need to know information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I hope this finds you well, I have been a victim of a security breach and possible identity theft, which has caused over sowing in accounts, in addition to accounts being ironed without my permission and authorization. I have requested many card accounts to review this and disputed these matters and as if XX/XX/2022 XXXX XXXXXXXX XXXX for example has deemed this to be my responsibility. And I do not think this is a fair response as a consumer to the bank. In addition to phone lines such as XXXX XXXX are deeming accounts to be mine which I did not open. The company has adjusted charges but then resubmitting them to my account which is misleading and makes it nearly impossible to continue to support them as a bank I hope this is resolved as I know many other have been Exposed to this crisis of breaching and theft.
Product: Credit reporting or other personal consumer reports

There was a mistake made by the company I worked for and they then gave me a live check, Bank of America refused to accept my legitimate check and therefore recurring payments including my rent started bouncing. they then closed my account and reported me to XXXX. I have tried getting it removed and they say I have to wait 2 more years. This is libel and defamatory as I did nothing wrong and tried to rectify the errors of the former company I worked for. I want to be removed from XXXX as it is putting a financial strain on my financial situation.
Product: Credit reporting or other personal consumer reports

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX XXXX, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to XXXX XXXX 

Upon information and belief, XXXX XXXX received notification of my credit bureau dispute. XXXX XXXX did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the XXXX XXXX  Account. 

Upon information and belief, XXXX XXXX failed to instruct the credit bureaus to remove the false information regarding the XXXX XXXX Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX XXXX Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did XXXX XXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by XXXX XXXX rather than grant credence to the information provided by myself. 

The credit bureaus published the false information regarding the XXXX XXXX Accounts to third parties.
Product: Mortgage

The NCDOT took part of our property through eminent domain sometime in XX/XX/XXXX. We had not reached a financial agreement so they deposited their initial offer of {$55000.00} into an account at the Clerk of Supreme Court in XXXX county NC. 
We have tried to get our money from the Court but have been unable to do so because our Mortgage lender ( Specialized Loan Services, " MERS '' ) will not release the funds. They claim to only want {$13000.00} of the money but we have not been able to get them to sign the paperwork needed to make this happen. They are charging me their attorney fees XX/XX/XXXX, {$140.00} of which we paid with our XXXX payment. Then they charged me again {$160.00} in XX/XX/XXXX for attorney fees. This I have not paid. 
We would like this money to pay off this lender but it seems to not be feasible. We have been paying interest on this {$55000.00} for almost 2 years and we should not have had to. 
We hired an attorney to represent us with the DOT on XX/XX/XXXX. He has been the one trying to get MERS to settle but has been unable to have any headway. This is his last e-mail to us. 


Date : XX/XX/XXXX at XXXX XXXX EST Subject : RE : DOT v : This email is in response to you recent phone calls and emails. I understand your frustration with not being able to get the deposit. This is a lender issue. Specifically a MERS issue. Neither DOT nor I created this problem. So, yes, as I have said before, you can go pay off the loan currently being serviced by MERS and that may indeed be the quickest and easiest way to get the deposit from the Clerk of Superior Court. Once you pay them off and they cancel the Deed of Trust then the entire deposit will be payable to you. If you do this please let me know and get a letter of satisfaction from them. In the meantime I am working with DOT to get the judgment signed by MERS. I will need to get your signature to the consent judgment in the near future and will let you know when to come by and sign it. 



Attorney and Certified Superior Court Mediator PO Box XXXX XXXX Telephone Facsimile
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate service and unfair practices, which violate the Consumers Financial Protection Act ( CFPA ). Specially, cash app failed time to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolutions requirements under the Electronic Fund Transfer Act ( EETA ) and Regulation E. These actions have caused a significant inconvenience and financial lost, and I seek appropriate redress for these violations.
Product: Debt collection

I received a notice on   XXXX   XXXX   from  Citi Cards  indicating that I have a balance on my  Macys Citibank account  in the amount of {$210.00}. I want to dispute this amount for the following reasons : A. The amount of my original purchase was only {$27.00} and the remaining balance of {$180.00} represents late fee charges and interest.    B. I ne ver received a billing statement because the wrong address was entered by your sales person at the time I established the account. Both  the street addr ess and the town were incorrect.   C. According to   the Citi Card representative the billing statements were returned to you marked incorrect address.
D. No one from Macys every con  tacted me either by email or phone to let me know of a problem.     I am only willin g to pay Macys the amount of my original purchase. I contacted the Citi Card number to arrange payment and they indicated they could not make a credit adjustment for the {$180.00}. They were very unhelpful and also when I called Macys  dispute department I continually was redirected by Robo-phone to your Customer service department who told me they were not authorized to make an adjustment.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 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 XXXX dept of ed
Product: Credit card

U.S. Code 1666b falls under the Truth in Lending Act ( TILA ), specifically focusing on credit balances in open-end credit accounts like credit cards.

Heres a summary of what 15 U.S. Code 1666b outlines : Requirement to refund credit balances : If a credit cardholder has a credit balance ( such as overpayment or a returned item ) greater than {$1.00}, the creditor is required to refund it within a reasonable amount of time.

Ways to refund : The credit can be refunded upon the consumers request.

If the consumer doesnt request a refund, the creditor can apply the credit balance toward future charges.

If no activity occurs : If the account has no further activity for six months, the creditor must take reasonable steps to refund the balance to the consumer. 
he purpose is to protect consumers from losing their money to inactive or closed credit accounts and to ensure that overpayments are returned in a timely manner. 

I have stated that I want to close the account am unable to make payments due to hardship of loss of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the law, 15 USC 1681, the consumer reporting agencies have assumed a vital role in assembling and evaluating consumers credit and other information on consumers. Theres a need to ensure that the consumer reporting agencies exercise their great responsibility with fairness, impartiality and respect for the consumers right to privacy. I did not give my written consent to furnish these accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME : XXXX ACCOUNT NUMBER : XXXX This account shows late payments on all 3 bureaus & XXXX shows balance of XXXX $ which is incorrect, I'm uploading proof of statement, this account needs to be updated/corrected..never late.. 

NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX shows late payments, I have never been late on making these payments ever.. payment history needs to be corrected!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am re-filing filing the previous complaint as I was not given a reason for having XXXX consecutive inquiries for an application. Telling me in my situation is not an explanation. How is my situation different from people who only get XXXX credit pull or an application or all of the pulls from different agencies all on the same day of the application. Saying in my situation is not an acceptable answer unless you expalin to me what my situation is/was that justifies consecutive day credit pulls.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint to formally request the Consumer Financial Protection Bureaus assistance in addressing severe inaccuracies and inconsistencies on my credit reports from XXXX, XXXX, and TransUnion. As a victim of identity theft, these errors are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but also cause ongoing financial and reputational harm. 
Background 1. Identity Theft and Unverified Accounts I am a victim of identity theft, as evidenced by my submission of an FTC Identity Theft Report. Following the XXXX data breach, I identified unauthorized accounts and transactions on my credit reports. These accounts were fraudulently opened and are not mine. Despite my timely disputes, these items remain inaccurately reported.

Pursuant to 15 U.S.C. 1681c-2 ( a ), I requested that fraudulent accounts be blocked from my credit reports. Under this section, credit reporting agencies are required to block information resulting from identity theft within four business days of receiving appropriate documentation. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that consumer reporting agencies must comply with the statutory requirements of the FCRA once a dispute is filed. The failure of the bureaus to comply with this obligation violates my rights under federal law.

2. Inconsistent and Inaccurate Reporting My credit reports contain discrepancies that violate the accuracy requirements under 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies must maintain reasonable procedures to ensure maximum possible
accuracy of the information they report. For example : Certain accounts appear on one bureau but not others. 
Account balances, statuses, and dates are inconsistent across reports. 
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that consumer reporting agencies could be held liable for failing to ensure the accuracy of reported information, particularly when such inaccuracies harm the consumer. These inconsistencies and errors violate my statutory rights and have directly impacted my creditworthiness. 

XXXX. Failure to Investigate Disputes I have disputed these inaccuracies multiple times, yet the credit reporting agencies have failed to conduct reasonable investigations as required under 15 U.S.C. 1681i ( a ). In XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, the court emphasized that a consumer reporting agencys investigation must be thorough and reasonable, particularly when the consumer provides evidence to dispute the validity of the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attacched Valdity of Debt Doc Despite my previous 2 written requests, the unverified items listed below remain on my consumer report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.

The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did.

Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law.
Product: Debt collection

I found out last Sunday, XX/XX/XXXX, that my credit rating had been lowered and I learned from the XXXX credit bureau that the agency FIRST FEDERAL CREDIT CON was collecting a debt I had never heard of before. I have never been contacted by a collection agency. How can I pay a debt if it has never been reported to me yet it appears it is not mine? 
I, therefore, request that it be immediately removed from my credit report and that a validation letter and verification of the alleged debt be provided, please. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I am a victim of Identity Theft. I tried to report this to TransUnion and XXXX both today.
However, upon contacting them both on their websites and calling their phone numbers. 
I was blocked from moving forward because of all the FRAUDULENT INFORMATION on my credit reports. 

On Friday, XX/XX/XXXX I contacted XXXX to first report the IDENTITY THEFT. This complaint was already filed with your agency subsequently -- Complaint Number XXXX. 

Please help me to get this corrected. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

. Identity Theft NAVY FCU Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

. Identity Theft NAVY FCU Account Number : XXXX This is not mine. 

. Identity Theft NAVY FCU Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

Identity Theft NAVY FCU Account Number : XXXX This is not mine. 

Identity Theft NAVY FCU Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

My PNC savings account was closed in XX/XX/2023 without any reason given. A few months later, I wanted to transfer my money to XXXX, and when I called, they said they could send me a check to XXXX because im not in XXXX. This was in XXXX. After completing multiple documents in XXXX, I sent all the required information with the promise that they would send it to XXXX. It's now XXXX, and despite numerous calls with XXXX 's customer service, I haven't received the check. They are not providing accurate information, and several months have passed with no indication of where my money is. 

XXXX XXXX Teerible experience they still have my money.
Product: Credit reporting or other personal consumer reports

My credit report has an inquiry I don't recognize, I did not give permission to this company to pull up my credit report. I don't like my rights as a consumer being violated, and it's XXXX of the few things I want to be protected, my life is already stressful as it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX / ... XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX  XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Bank account or service

Over the last year in XXXX & several times in XXXX I have contacted my bank about a paid loan that they keep billing me annual fees for account that was closed in XXXX soon as the account was paid off. Each time that I speak with a customer service agent, they either do n't see the form filed with the correct department or the correct form was not submitted by the previous agent. Since XXXX I have been receiving statements about this same account and I have called each time that I have received one. Now they are charging a late fee, plus threatening to send this to a collection agency for an amount that I do not owe Regions Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX XXXX military member. 

XXXX XXXX XXXX  PUT AN XXXX XXXX XXXX a third party collection, not an attorney on my credit report without notifying me of anything. This third party agency ( FDCPA ) is reporting false data which is preventing me from obtaining business credit. I had an 11 month lease. I purchased an investment property and notified XXXX XXXX XXXX that I was in escrow and I was not renewing my lease and moving out. The contract amount/rent was {$2100.00} and XXXX XXXX was raising all tenants rents anywhere between {$2200.00} - {$3400.00} due to the renovations they were making. I paid my contracted XX/XX/XXXX -XX/XX/XXXX rent amount to XXXX XXXX XXXX for the month XX/XX/XXXX ( {$2200.00} ), returned the keys and the unit was move-in ready. XXXX XXXX was not able to get a tenant into the unit and tried to bill me for the vacancy - first {$920.00} and a third party put on my credit report that I owed {$3400.00}. I reached out to XXXX XXXX XXXX and their parent company XXXX XXXX for litigation, however, have been given me the run around. 

My security deposit was kept. I told XXXX XXXX XXXX   back in XX/XX/XXXX that I would not be renewing my contract and they tried to pressure me into renewing the lease. I never renewed the lease and told them I would be moving out in XX/XX/XXXX and I did. Another Veteran and I cleaned the unit and it was move in ready. 

No 60-day Notice of Intent to Report to Credit was received by the XXXX XXXX XXXX XXXX XXXX. I was not properly notified. Per U.S.C. 3711 ( e ) ( 1 ) ( C ), I am  entitled to a complete explanation of the debt, to dispute information in the records about the debt, and I am entitled to an administrative repeal and review of the debt. The XXXX XXXX XXXX XXXX XXXX ignored the " Justice/Treasury Federal Claims Collection Standard '' I asked for documentation ( a full copy of the lease agreement, accounting ledger explaining how the claim was calculated ) and have not been provided with the documentation requested. I also have been given the runaround by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and need the proper point of contact to respond to my complaint regarding violations of the FCRA and FDCPA. Their false reporting lowered my credit score and has prevented me from obtaining housing for my family. I also contacted the attorney general for an investigation for consumer fraud against military members and civilians.
Product: Credit card or prepaid card

bank america closed out the wrong account when changing my sole prop to a LLC which caused 3 to 5 return checks XXXX  was a company that took one of the checks they closed my account b/c of bank of America error Now XXXX refuse to reopen the account Can you tell me how is this fair?