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

JPMCB CARD Fraudulent pulled a credit inquiry on XX/XX/2022 that i did no know about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my FTC reports and letters to Transunion, XXXX and XXXX with no resolution or response.
Product: Credit reporting

Equifax, Trans Union and Experian are not honoring FCRA 605B requests to block entries by Identity Theft. Instead they are opening an " investigation '' with the furnishers ( a dispute ). FCRA 605B requires the CRA to block the entries within 4 business days. The CRA is not to open an investigation or dispute with the data furnishers. This is a block and the action is limited to blocking the entries. There are XXXX items required for the request : 1. Identification of consumer. 2. ID Theft affidavit. 3. Statement that these entries are the result of ID Theft. 
When refusing the block they send out a generic letter - there are only XXXX reasons they can refuse the block : 1. Request made in error. 2. Materially misstated the facts. 3. The consumer received goods or services. They are required to provide a specific detail on why a refusal to block is made ( which they are not doing ). How could they investigate any XXXX of these XXXX items within 4 days or have the ability to gain evidence to support a refusal? So, they are refusing as a matter of policy - which they do not have legal authority to do. 

The CRA 's are also requiring a police report before taking action which is NOT required in the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with CFPB against equifax and this complaint XXXX was closed and equifax never acknowledged the complaint there is no way that equifax and investigation regarding these inquiries. All they did was send me a pre-made letter the next day after they got the dispute stating, " THE INQUIRIES ARE FACTUAL '', this is a lie! I need my dispute to be rectified immediately and the unauthorized inquires to be removed. They is no documentation with my signature stating I authorized the fraudulent inquires. Please revert back to this dispute number XXXX from CFPB that was filed.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraudulent activity on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX refuse to accept communication that was authorized by me, XXXX XXXX XXXX XXXX, disputing information on my credit report.
Product: Credit reporting or other personal consumer reports

This needs to be removed off my credit. by law 15C. This need to be removed JEFFERSON CAPITAL XX/XX/XXXX {$1800.00}
Product: Credit reporting or other personal consumer reports

I reached out, via certified mail to the credit bureau, on XXXX and XXXX, regarding suppression on incorrection and fraudulent information. They have no responded either times, which is in direct violation with my rights. The FCRA states that credit bureaus are legally obligated to suppress information identified by a consumer as resulting from identity theft upon receiving an identity theft report. This suppression must occur within four days of receiving the necessary documentation from the consumer. Upon receiving an identity theft report, a CRA must block the reporting of any information in the consumer 's file that the consumer identifies as resulting from identity theft. XXXX v. XXXX XXXX XXXX XXXX This block must be implemented within four days of the CRA receiving proof of the consumer 's identity, a copy of the identity theft report, the identification of the information resulting from the alleged identity theft, and a statement by the consumer affirming that the disputed information does not relate to any transaction by the consumer. XXXX v. XXXX XXXX. XXXX XXXXXXXX If a CRA fails to block the reporting of such information, the consumer may have a cause of action under the FCRA XXXX v. XXXX XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, Creditor Contact : Not Available add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred to Creditor Contact : Not Available and I am no longer responsible for the account as I have never dealt with any creditor not available. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name and Credit Reporting Agency has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Product: Credit reporting or other personal consumer reports

The XXXX XXXX account and XXXX where are fraudulent accounts on my credit file
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian, XXXX and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Wells Fargo has transfered funds from my account to another account that I have never linked with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Account Name AFFIRM INC Account # : XXXX Account date open : XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
ACCORDING TO FAIR CARES ACT
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont like having to wait on hold so much for information my credit!
Product: Credit reporting or other personal consumer reports

last year in XXXX i submitted my identity theft affidavit to all 3 bureaus but they all ignored me.
Product: Mortgage

I applied for a conventional home loan from Regions Bank d/b/a Regions Mortgage and was denied. 

My credit scores were XXXX respectively from the top three reporting companies at that time. 

I was paying a 20 % down payment. 

I had assets greater than the cost of the {$130000.00} loan being requested. 

I had money in our bank accounts covering multiple months of payments, even after making the down payment and closing costs. 

I had a fulltime secure job with XXXX XXXX in Tennessee and reassured the bank I had no intentions of quitting until I secured a job in Illinois. 

Due to COVID-19 restrictions, XXXX was allowing all employees to work from home indefinitely. I did not have to work in Tennessee to complete my traveling job responsibilities as a construction manager. 

We had already sold our home in Tennessee and we were planning on buying a home in Illinois in preparations for the future job offer. 

I had an apartment in Tennessee while my wife was living in Illinois with a monthly hotel rental that was less expensive than renting an apartment and paying utilities. 

My income alone covered the monthly cost of both my living expenses and my wife 's living expenses, in addition to being able to pay a mortgage monthly. 

I was waiting on a hiring letter fro the State of Illinois at the time of the loan application and re-enforced to the bank that I would not leave my XXXX XXXX job until I received the official offer and start date from the State of Illinois. 

The bank refused to give me a loan until I received and started a job in Illinois. 

When we attempted to use my wife 's 30 years plus self-employment income and credit instead, they also refused us a loan stating that she was not making enough income to cover the mortgage and living expenses. Expenses and a mortgage being covered by my salary alone without her salary. 

My wife 's credit scores were XXXX respectively from the top three reporting companies. 

XXXX, Illinois is known for redlining and segregation and recently the XXXX XXXX drafted a statement promising to provide better inclusion and equity to those seeking to own a home in XXXX. 

We ended up having to take money out of my retirement funds, paying early withdrawal penalties in addition to the taxes, in order to close on our home and buy the property in cash. 

Regions Bank took too long and in providing both loan refusals and we had to move our closing date once as a result and had to wait on the transfer of retirement funds. 

Please investigate Regions Bank and the history of their loan practices, especially for people of XXXX in XXXX, Illinois.
Product: Credit reporting or other personal consumer reports

This is my first 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 an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I sent a validation request on some accounts by certified letter over 30 days ago and I have received nothing what so ever on my request to validate these accounts. I know for a fact the letter was received because it was certified.
Product: Debt collection

XX/XX/ Received letter from XXXX XXXX XXXX. Called them XXXX at XXXX. Found out debt was from someone with TX address. I have no clue who this person is. The XXXX XXXX person I was talking on the phone with said my address was listed also. They said most likely it is fraud and I should contact the FTC. So that is what I am doing now. The debt in question is for {$1100.00}
Product: Checking or savings account

XX/XX/XXXX Check XXXX from XXXX XXXX deposited into my wife 's account at Ally Bank via mobile deposit. 

XX/XX/XXXX My wife notices funds have been removed from Ally Bank and calls Ally service number. Representative states we should follow up with check issuer as the funds were removed by request. 

After back and forth with check writer, they state they did not receive the funds from Ally and tell us they do not have the funds. 

XX/XX/XXXX My wife contacts Ally and representative states we may be victim of ID fraud and that a claim has been opened. 

Since that time we have not been able to speak with the Loss Prevention Unit of Ally Bank and they refuse to return our calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 2 ( XXXX ) accounts with XXXX and XXXX for over 6 ( XXXX ) months. 

XXXX. XXXX : XXXX XXXX XXXX XXXX for {$100.00} XXXX Credit Collection Service XXXX account number XXXX These accounts are being furnished inaccurately and do not belong to me or my credit report. My disputes are being ignored.
Product: Vehicle loan or lease

RE : Certificated Security - Notice of Adequate Assurance This is an action in realm. I am here as the accommodating party of the Surety for the referenced account. Fully protected and reserved by the 9th Amendment of the US Constitution. 
I am an international lender/investor of the United States to help settle all matters for my estate. Any misuse of this trust is a breach of fiduciary duty. 
I accept all of these securities in equity as redemption. Im taking the charges on the accounts, and I am letting go of and assigning the interest then transferring the chattel paper to the CFO of USAA. 
Primary Activity : SAVINGS INSTITUTIONS AND OTHER DEPOSITORY CREDIT INTERMEDIATION I was unaware at the time of the extension that I, as Consumer/Beneficiary EXTENDED my credit to you to pay for the entire account/contract and was not properly informed of ( all ) disclosures/consideration of the claim on the collateral. The Baby Act, or Plea of infancy. My signature along with my Social Security Number is on the security instrument and you owe me Substance in return as the beneficiary. Not only does the security instrument pay you for the entire product being purchased, but its securitized for upwards to 10 times the value. I am requesting you return my vehicle immediately. 
I have yet to receive any IRS related documents for these charged off accounts you are now claiming. Additionally, please provide the documents I have repeatedly requested for on full accounting of both sides of the ledger. 
1. Footnotes to Financial Statements : Disclose related-party transactions.

2. Related-Party Transaction Disclosures : Detail transactions with owners/creditors.

3. Financial Statement Analysis : Show loan receivable/payable accounts. 
XXXX. XXXX XXXX : Related Party Disclosures XXXX. ASC XXXX : Receivables XXXX. XXXX XXXX : Liabilities While USAA Federal Savings Bank is not directly a member of the Federal Reserve, it is subject to supervision by the Federal Reserve Board of Governors due to its status as a federally chartered savings association.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is my dispute to Hire Right Solutions. The agency is falsely reporting any thing that they said I have done.I was accused of 3 accidents in 1 day in a commercial vehicle. They have removed many things that was first reported inaccurately and they have not asked what was required required by federal law. F.M.C.S.A. the items that they needed to fully prove me innocent. 
. 1, I was at first accused that there was in fact a XXXX. REPORTABLE ACCIDENT and  there was not. 
2, A XXXX XXXX XXXX by law should of been done or required as a result of any accidents resulting from a commercial vehicle. There was none. 
3, There is no proof I was driving that vehicle. 

But they have not removed all of the wrong information to show innocence of these accusations, if Hire Right was performing a true investigation. There was not. 
There just had to be by FEDERAL LAW THE REQUIREMENT OF XXXX XXXX AFTER THESE ALLEGED ACCIDENTS BUT THERE WAS NOT ANY.
Product: Credit reporting

I went to the " ANNUAL CREDIT REPORT.COM '' site to receive all " XXXX OF MY BUREAU CREDIT REPORTS FROM XXXX, XXXX AND EXPERIAN '' ; filled out the form, and the first credit reporting agency showed on my screen, I went to click on print, however a window popped up stating technical difficulties and to try again later. I clicked out of that window, I than clicked on " save as PDF '' however, same thing happened, a window popped up stating technical difficulties and try again later. I waited for an hour to see if I could try again, however, this time a window popped up stating I had already received my free annual reports from the XXXX bureau credit reporting agency 's for the year. SO I NEVER EVEN RECEIVED ANYTHING, NOTHING AT ALL, MY EMAIL IS XXXX
Product: Mortgage

I have tried for 5 years to return my home to the bank. Right now the mortgage company is Seterus Loan # XXXX. I filled Bankruptcy in XXXX 2016. The mortgage company has still not take the title back. 

I have attempted Short Sale, Modification, Deed in Lieu and finally Bankruptcy. 

It has been at 3-4 years since I started the process. 

I am wanting to return the title to them and they are not taking any action to clean this mess up. 
XXXX Thank you.
Product: Credit card or prepaid card

Credit card was closed on XX/XX/2021. Has been paid in full. I have called 3 times to take care of this. They are charging me monthly fees and now late fees 2 years after it has been closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

My wife and I have had an had a joint checking and savings account with this bank since  XXXX , no w owned by PNC. We have an overdraft protection account with a {$1000.00} limit. We have a PNC Point Visa Signature CC and a PNC Core CC both with automatic payment set up. On three occasions CC payments were automatically drafted and the balance in the checking was insufficient -- at which point overdraft protection should have covered the amount of the difference. Instead, PNC did not honor the payment resulting in late fees totalling {$85.00} and negative marks on our credit score. They are as follows : PNC Cor  e  XX/XX/XXXX   Late Fee {$25.00}  PNC S ignature   XX/XX/XXXX   Late Fee {$25 .00} PNC Si gnature  XX/XX/XXXX Late Fee {$35.00} I spoke with a  PNC account representative who told me that PNC 's policy is not to allow overdraft to make payment if it is to another PNC credit product and they would not remove the late fee. Obviously, we have OD protection for just such instances and believe the payment should have been honored.
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Also, I should note that in all the year 's we have had OD protection and PNC CCs this is a new to us happening and believe it is a recent change in PNC policy made to unfairly collect more interest, penalties and fees on the back of their customers.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I discovered that several items that is being reported to my consumer report are inaccurate, I never gave permission to run my consumer report nor did I sign any SSA-89 Form releasing information giving permission for anyone to utilize my Consumer Social. I have went over each item and can validate that there is no error on my end and my consumer right has been violated according to 15 USC 1681B, I am asking to remove each unauthorized item from my consumer report within 4 business days or I will be force to take legal action. I have attached proof of my identity therefore you will know that this is myself the natural person requesting this information be deleted completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a voluntary repossession of the vehicle I purchased on XX/XX/XXXX due to going into labor more than 3 months early for my daughter. I understood it would be a balance remaining on the loan with XXXX XXXX XXXX also DBA XXXX XXXX I do not dispute that, however I filed bankruptcy and this debt was included in my bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX and the company is still reporting a balance and missed payments on my Experian and XXXX  credit reports.
Product: Checking or savings account

I went to XXXX and was robbed for my purse with ID, phone and bank cards. I returned to the XXXX on the XXXX and my card was still being charged because I was locked out of my account via voice identification and could only make a report in person. When I made the report the bank refused to give me my money back even though I was in the XXXX when my card was used and I have a police report from XXXX police regarding the theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to dispute account from all 3 bureaus sent company XXXX XXXX XXXX a debt validation letter to verify debt is mines on XX/XX/2022 they sent letter back but it was not the correct information I asked for.
Product: Debt collection

Phone call says his name is XXXX does not give me last name asays I owe a debt from XXXX that I paid on he says for nine years then stopped in XXXX Refuses to tell me what the debt is for except the name of some bank I have never heard of HSBC gives me a phone # which I called its a Nevada phone # i have never lived in Nevada or heard of this bank XXXX ( XXXX ) XXXX When i call they answer XXXX XXXX XXXX but I look up this law firm and its different phone # in Nevada and not a debt collector? 
This XXXX on phone Threatens to sue me and garnish 25 % of my wages. 
I have never heard of this bank and I am so concerned and confused please help me He faxed me a paper wanted me set up payment plan without allowing me to know how I obtained this debt. He has my employers information. 
I'm really worried cause I can't understand what is going on.
Product: Debt collection

Hello on XX/XX/2020 Fairway collection debt collector, filed a writ of garnishment. Before the garnishment, my balance with them was around XXXX. My bank account was put on hold because of writ. Once I found out that they couldn't garnish my unemployment my only income. I filed a appeal the bank release my money. Now fairway wants me to pay for legal fees that makes a new balance of {$4500.00}. I feel that I shouldn't have to pay this amount for the mistake they made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I know hard inquiries on my credit report without my authorization. XXXX  XXXX ( Its on there twice ) ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Finance ) On here twice ) XXXX XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XX/XX/XXXX Some inquiries on on my report twice.