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

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Balance : {$540.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED 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 XXXXXX/XX/XXXX
Product: Credit reporting

Bureau keeps reporting addresses and accounts that are not mine. They initially delete the addresses and then report them again. The accounts have not been verified and I have requested several times now for verification which is my legal right under the FCRA and to date I have received NOTHING in form of signed contracts, authorization signature or, anything else they can provide to verify these accounts from the credit bureau and/or creditors.
Product: Credit card or prepaid card

I disputed two small charges in XX/XX/XXXX. Chase cardmember services, resolved the disputes and sent me a letter stating they have resolve the dispute and credited my account. They did not credit my account. I kept calling them and they said it would show up later. It never did, I called them today XX/XX/XXXX and they said its too late to dispute now they already sent me two letters saying that they have credited my account when they in fact did not they are giving me a courtesy {$15.00} for being on the phone for two hours with them. That is not acceptable they told me the merchant credited me at other times for different amounts. Those were for different returns and not related to these. They sent me clear letters, saying they credited my account when they in fact, did not say then lied to me, and said it would show up when it never did.
Product: Money transfer, virtual currency, or money service

I have an account in good standing with Gemini Trust Company , LLC of New York. My home state is Oregon where it is XXXX Gemini Exchange, LLC. I have had the account for around a year. I have used the account in the past to successfully withdraw money. On XX/XX/2022 I attempted to withdraw some funds from my account and was refused due to a 'security hold '. I filed an inquiry with the support center and was told to submit a picture of me, holding my driver 's license ( the document I used to XXXX  originally ) including the date and a code supplied to me. I did as required and have not heard back from the company since despite numerous attempts to both withdraw funds and to contact customer support and get NO RESPONSE. The open support request tickets I have with the company are : XXXX, XXXX, XXXX, XXXX.
Product: Debt collection

My name is XXXX XXXX. I live in XXXX, Florida, My ex-husband and I received a car loan from XXXX XXXX XXXX XXXXXXXX XXXX approximately 20+ years ago. When my husband and I separated, I filed for bankruptcy due to financial hardship. I also filed for bankruptcy on several other occasions. Around the first of this year, my place of employment was contact by, XXXX XXXX with XXXX XXXX, a debt collector .seeking to have my employer garnishee my wages. Fortunately I was no longer employed with that agency. Around XX/XX/2018 I was served, along with my previous employer, with court documents from XXXX XXXX XXXX XXXXXXXX attempting to collect on the auto loan that I received approximately 20+ ago, Mr. XXXX constantly called and harassed my previous employer on a daily basis. Mr. XXXX and employee of XXXX XXXX XXXX XXXXXXXX XXXX are constantly calling and harassing consumers. Somehow of another XXXX XXXX XXXX are able to file suit on debt that are well past the statue of limitation.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Ive been calling everyday since XX/XX/year>2024. I paid for all 3 FICO scores and this is the error I keep getting : Sorry, we can't show you today 's 3-bureau report. This might mean that Equifax 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 do have a record and they will not share my FICO 8 score only the other one. I keep telling them I need FICO 8 because Im trying to purchase a house and was told no 8 times. Im losing this housing deal because they wont even give my score to the bank, they gave me the task to try and Im not getting anywhere with them. I called all 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Merchants and Professional located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Merchants and Professional has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Mortgage

We decided to use a mortgage broker to help us find a mortgage for our first house. Our loan officer decided to use Flagstar Bank. The loan was submitted to underwriting around XX/XX/2020. With a closing date of XX/XX/2020. Around XX/XX/XXXX, we found out that Flagstar was running over a month behind and had not even looked at our loan yet, and was about two weeks away from starting the process to get us conditions on our documents for the loan. 
At this time with advice from our Loan Officer, we decided to switch to a new program from another bank. The new bank was willing to help us try to meet our closing date of the XXXX and rushed their processing. We got our conditions back quickly and were able to get everything they wanted from us turned in. The one condition that was left was to get the appraisal transferred over from Flagstar. The request to Flagstar for the transfer was made on the XXXX of XXXX. Payment for the transfer was received by Flagstar on the XXXX of XXXX. Flagstar 's policy was to transfer the appraisal in XXXX Hours. It is now the end of the day on the XXXX and they still have not transferred the appraisal. This is the only document we need to close, and we have been waiting for it for over a week. We would like Flagstar to make good on their own policy for transferring the documents we need to close on our house. We paid {$500.00} for the appraisal, and {$250.00} was paid by the loan officer to transfer the appraisal. 
Our loan officer has been very diligent in contacting them every day to try and find out what is taking so long. It's now the end of the month and this delay is going to cost us more money because we have to find other rental options while we wait for them to transfer the appraisal.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX XXXX BALANCED {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX with no response. A recent letter on XX/XX/XXXX with no response. I sent the letters regarding inaccurate and unknown things on my credit report. To this day over 30 days later. I have not received a response. This has been an ongoing issue since XXXX that has not been resolved. I feel like I being taking advantage of and being ignored of my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed 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 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: Debt collection

My information was exposed in the data breach. I am not aware of these items.
Product: Mortgage

My husband and I took out a home equity loan with Wells Fargo Bank in XX/XX/XXXX. The terms of the loan stated that an interest discount would be given for automated payments. Additionally, we were given a notice stating that if we chose to discontinue automated payments, the interest rate of the loan would increase. 
In mid-XXXX of this year, I received a notice from Wells Fargo stating that they had moved my account from the Home Equity to the mortgage portion of their company and that there was a change in interest calculations when automatic payments are scheduled on a weekend or holiday. The letter stated that if payments are scheduled on a weekend or holiday, they would be taken out on the next business day and interest will accrue over the holiday. 
This leaves me in a catch-22 situation. If I do not pay using automatic deduction I will be charged additional interest, and if I use automatic deduction I will be charged interest on the time over the weekend or holiday. 
I have called the company and talked to numerous representatives over the past month. I have offered to have them take out the payment early on weeks that the payment date falls on a weekend or holiday. After explaining that I could only talk to a representative in the evening, they assigned me to a representative who leaves at XXXX and made a habit of calling me at XXXX in the XXXX at home. I was told that a resolution would be reached by XX/XX/XXXX. XX/XX/XXXX came and went. When I called again I was told that I would have a resolution by XX/XX/XXXX. That date came and went. When I was finally able to reach her today, she stated that yes I would be charged additional interest if I chose an alternative payment method, and that the post dating of payments was a courtesy, not in my contract. 
I have a pretty good memory. I remember specifically asking about interest on payment when the loan was originated, so I went back to my original contract. On the page of the loan titled " Installment Loans and Line of Credit Payments '' It specifically states " If the account 's payment due date falls on a weekend or holiday, payment will be credited as of the date due on the next business day. '' Clearly, the representative is lying to me. The bank has changed the terms of my signed loan contract and is attempting to dismiss my complaint against them.
Product: Checking or savings account

My XXXX account was closed. And the navy federal never gave me a real explanation although I reached out serval times about it. They said someone called about fraud by they never notified me of the incident
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I see dealership reporting on my credit when I never authorized none to run my credit
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, my information was stolen and used to open several accounts, including chase, and XXXX. I was informed of the theft by my bank XXXX, monitoring my credit report. Thats when I found a Chase card for {$9800.00}, and a {$4000.00}, XXXX bill. I reported the identity theft to my local police department, and was given a case # for Mr to use informing the above companies, that I am in fact, a victim of identity theft. 

After a few months, XXXX sold the debt to XXXX XXXX, a company that buys bad debt, and then tries to collect the debt, using some questionable practices. I informed XXXX that this was happening, and they got XXXX to remove the derogatory item from my credit report. 

Unfortunately, chase bank services are another issue, after calling, and writing numerous letters, providing them with all the information I have, including the police report, with case number. They insist they account is verified, by virtue of Payment made in my name, unfortunately not by me, because i never received a bill, because i never opened the account, nor signed any documents from Chase accepting their terms, and conditions
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not satisfied with the result I got from my Equifax report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for these inquiries to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have these inquiries removed or have anyone from Equifax contact me about the status of my concern. Here are the inquiries that I am trying to dispute : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

XX/XX/2023, I attempted to make 2 purchases at a vending machine at a hotel. One for {$3.00}, and the other {$2.00}. I machine did not distribute the items I selected and was still charged. There was no phone number or any information on the machine to contact the merchant, I even inquired about that at the front desk of the hotel, and they had no contact information for me. I reported this to Square Checking, and they refuse to refund my money becasue I have no receipt or other information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one shared my information after I XXXX XXXX ask them not to pay XXXX XXXXXXXX XXXX XXXX.and I and raise my credit without my authorization also report me late to credit bureaus and I made every payment on time. 
XXXX XXXX
Product: Credit card or prepaid card

I used a  Carecredit ( Syncrony Bank )  to pay for some medical expenses -- including  XXXX   Work. I o wed  Syncrony B ank {$1900.00}. At the end of   XXXX    2017, I sold  my house and decided to payoff the  CareCredit card  account. When I sent the payment from my bank  (   XXXX   ) with  the computer, I paid on   XXXX   XXXX  and  XXXX  . I accidentally made  2  payments of the same amount. A couple days later I recognized it and contacted  Syncrony bank .   They would be " happy '' to send a refund. They did. The only problem was the refund was for {$1000.00}, no t!  XXXX .  When I complained, they were showing " No outstanding credits ''. I waited a while to see if they were going to correct it. Apparently they are not.       XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   , Texas  XXXX
Product: Credit reporting or other personal consumer reports

Despite my previous attempts, these items have not been addressed, causing ongoing and significant distress. 

As mandated by the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes regarding the accuracy of information on credit reports. Your continued failure to resolve this issue is unacceptable and constitutes a violation of my rights under the FCRA. 

I request that you escalate this matter and undertake all necessary steps to thoroughly investigate and remove these fraudulent items from my credit file without further delay. Transparent communication regarding the progress made and the actions being taken to resolve these issues is essential. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX FI XX/XX/2020 XXXX XXXX XXXX XXXX, AZ XXXX.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Please have them remove XXXX XXXX XXXX was my file. This is not my debt. It keeps appearing on my file under different names. Please help, I am a senior citizen and keeps track of my reports.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that i had fraudulent accounts on my report. please remover these accounts from my report, they are hunting my ability to obtain credit
Product: Debt collection

I recently received correspondence regarding an alleged debt associated with XXXX  XXXX, XXXX, referenced under your File Number : XXXX. After reviewing the information provided, I do not recognize this account and formally request validation of this alleged debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g.
Product: Debt collection

They attempting to collect on a debit they do not have a contract for.
Product: Credit reporting or other personal consumer reports

All three credit bureaus XXXX Equifax XXXX XXXX are showing my Student loans with balances in which my loans has been paid in full. This adverse information is harming my credit report with this inaccurate information reporting.