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

I am a victim of identity theft and Equifax was asked to block several accounts that were illegally opened in my name on my credit file ( Confirmation # XXXX ). I noticed on my credit file in XX/XX/2023 that several accounts had re-appeared on my Equifax file. I submitted a dispute with Equifax on XX/XX/2023 requesting that they immediately block this fraudulent account information. To block this information, I enclosed a copy of the police report regarding my identity theft, notarized FTC ID Theft Affidavit, and ID verification documents. The accounts are : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX In my written notice to Equifax, I wrote that " This information does not relate to any transaction that I have ever made. Please block this information from my report pursuant to 605B of the Fair Credit Reporting Act - Your office has 4 days to do so under federal law. On XX/XX/2023 I received notification that the dispute was finished and the accounts had not been blocked. 

All inaccurate Information should have been removed from credit report by XX/XX/2023. According to law disputed information related to identity theft must be removed from credit reports within 4 business days. Police report, Identity theft report, copy of id, copy of social security card, dispute letter, copy of Police Report were also mailed by certified/return receipt overnight mail on XX/XX/2023. All above listed enclosures were also uploaded into Equifax dispute portal on Equifax Dispute Website on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent Wells Fargo an acceptable payment according to their credit card agreement. I sent an irregular, conditional, partial restrictive language, paid in full payment according to their card agreement. I mailed the letter with instructions how to apply the credit. I was told by the Executive Team of Wells Fargo that it was a debt scheme. I also recorded the call. They refuse to honor their credit card agreements. I let their agent " XXXX '' know this wording is in every credit card agreement in the United States so that means this is law. She said the only form of payment they will accept is from a XXXXXXXX XXXX. I asked for the Arbitration address to send to them, she provided. I advised her she needs to consult with legal, she refused. Not only have Wells Fargo violated their credit card agreement, but they've violated their prospectus to the SEC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have Unauthorized inquiries appearing on my credit report and XXXX Fraudulent collections.
Product: Debt collection

There a company name XXXX XXXX account number XXXX which is reflecting on all three of my credit reports. I do not now, nor have I ever had an account with this company. Based upon the information which they are listing as a debt, and they 're stating it was opened with a company by the name of XXXX XXXX XXXX and stating it was opened in XX/XX/XXXX. This information clearly shows that the statue of limitations have run out and does not allow XXXX XXXX to now try to collect on this debt. XXXX XXXX is trying to state that this account was open in XX/XX/XXXX and they took ownership of this debt but never notified me concerning this matter, but instead placed this on my account in the month of XX/XX/XXXX.  XXXX XXXX is not within its right to collect this information and has provided false information on my report. I am asking that they remove all information from all three reports and never place this back on my account again.
Product: Credit card

I am filing a formal complaint against U.S. Bank ( U.S. Bancorp ) for engaging in unfair and deceptive banking practices in violation of consumer protection laws. U.S. Bank wrongfully closed my prepaid credit card without notice or justification, and they are holding my earned cash rewards, refusing to release them. This is a clear violation of consumer financial protection laws, as funds accumulated through a rewards program belong to the customer.

When I requested a review, U.S. Bank denied my appeal without providing any justification or disclosing whether the decision was made by an automated risk model or a human review. I am concerned that their risk assessment process may involve algorithmic bias, financial discrimination, or unfair profiling.

Violations of Consumer Protection Laws : Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) violations under CFPB regulations.

Failure to provide clear reasons for account closure, violating due process protections.

Holding prepaid credit card rewards without justification, violating consumer financial rights.

Potential discriminatory impact if an algorithm disproportionately flags legitimate accounts.
Product: Checking or savings account

Bank called BB & T in XXXX XXXX tx fraudulently opened a bank account in my name. Once I found out I notified the bank and filed a police report and the police arrested and charged XXXX XXXX for opening fraudulent account and theft by check. BB & T still has this account on my name and needs to be removed.
Product: Mortgage

We submitted an application for assistance to SN Servicing. The asset manager, XXXX XXXX is refusing to cooperate with our company to move the file forward for consideration of a workout.
Product: Credit card or prepaid card

Hello, I did balance transfer for {$4000.00} from Barclay Card to XXXX on XX/XX/21. I did not received any confirmation the balance transfer was successful from Barclay, so I check my XXXX, the money was not there yet. I found out later that I missed type one digit of the XXXX card, and XXXX did not received the fund cause of invalid credit card number. I admit that my mistake. So I been trying to get hold Barclay Card to find out where's the {$4000.00} ( since I have never received the confirmation of balance transfer completed ). 
That was 3 months ago, I called Barclay twice a week, been transfers to many departments all over the place, from Customer Service, Balance Transfer Fraud, Dispute, back to Fraud, back to dispute, and now back to Customer Service again. I even submitted the Dispute on XX/XX/21 through fax XXXX - and no response. Meanwhile I'm paying interest on the {$4000.00} that I don't have. 

Each time I called, it took about 1 hour to explain and to get transfer all over. There's no one can help me. I'm frustrate, and with being lay off due to COVID last XXXX, the {$4000.00} is a lot of money. 
So I decided to write to you to beg for help cause all the time I spent to call and the emotional stress going no where.
Product: Credit card

PayPal has used deceptive tactics to trick me and others into signing-up for PayPal Credit. PayPal Credit then makes it EXTREMELY DIFFICULT TO CANCEL the unrequested and unwanted service. They offer two options : 1. Call their XXXX # - they never answer the line 2. By Mail - this method requires you having your PayPal Credit Account Number. If someone has never used ( i.e., charged something against PayPal Credit ) the service, you have no Statement which is the only means of obtaining the Account Number online. 

This makes it impossible to cancel. They have negatively impacted my credit score which has impacted my interest rate charged when trying to finance large purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and Transunion I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 


PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY XXXX XXXX XXXX  Account Number XXXX Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX Phone Number ( XXXX ) XXXX
Product: Bank account or service

( Sorry to be so late in reporting -- I 've been hoping to resolve the issue with the bank directly. An Umpqua Bank representative told me last week that there 's nothing more that I can do with them, so I 'm writing to you guys. ) Summary : My checkbook was stolen from my car. Fraudsters cashed {$800.00} in bad checks at my home branch bank. Bank says I 'm responsible for that money because it was " negligent '' to leave my checkbook in the car. I say it was negligent for them to cash those checks without calling me, or even bothering to check the ( wildly different ) signature on the check against my real signature. 

Detail : Late in the evening of XX/XX/XXXX I was looking at my online banking and noticed two large checks I did n't write ( {$500.00} and {$310.00} ) had been cashed against my account that day. ( I never write checks. My checks still have my address from two houses ago. ) I called Umpqua, but they do n't have a line to report check fraud late at night. So, I stayed up all night to be able to report the lost check first thing in the morning. 

Good thing I did, too because the thieves tried to pass another {$400.00} check that morning. ( Having heard from me, the bank denied that one. ) I immediately filed a police report, closed my account, did all the things you 're supposed to do. 

After this all went down, everyone at the bank assured me I 'd be reimbursed. They just needed to let the process ploy out with the fraud investigation unit. 

Several weeks later, an justifiably embarrassed teller from my home branch called to tell me that the fraud unit had denied my claim because I 'd been " negligent '' in leaving my checkbook in the car. They expected me to eat the {$810.00} loss. 

I would like to point out at this juncture that, had I walked into my home branch with a personal check made out to me for {$800.00}, the bank would not have cashed it that day. They would have put a hold of -- at minimum -- 3 days on that check. It 's understandable that they should do this -- if the check turns out to be hinky and I jet off to XXXX never to be seen again, they 're on the hook for {$800.00}. 

HOWEVER, if XXXX XXXX walks in with {$800.00} worth of handwritten checks against my account, apparently Umpqua Bank is only too happy to release those funds, no questions asked -- no signature check, no phone call, nothing. 

The only difference between the two situations is that, in the first, it 's the bank that assumes the risk. In the second, I do. In short, Umpqua seems to be taking better care of their money than their depositors ' money, which is not a good look for a bank, in my opinion. 

I have no doubt that the low-level grunts at my home branch who cashed the checks followed all of Umpqua 's rules. And I 'm sure that not calling the accountholder, or even taking a minute to go look up the correct signature on an accountholder 's check, saves them labor costs. But if you 're going to cut those corners, you need to take responsibility when things go wrong. 

Umpqua should refund the {$810.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Date of Birth : XXXX  Wrong Addresses : XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX
Product: Student loan

Each month for the past three months, the " current payment due '' as listed on my account summary page on XXXX has not matched the " current payment due '' on my monthly bill ( PDF ). I did n't realize the discrepancy the first month, so I submitted the " current payment due '' as listed on my account. Several days later, I got a message posted to my online account notifying me that my student loans were delinquent because I had not paid the correct amount. I immediately paid the delinquent amount ( i.e. the difference between what was listed as current payment due on my billing statement versus the current payment due as listed on my account summary online ) to avoid a negative impact to my credit rating. However, this has happened now for an additional two months, so I finally called FedLoan customer service where the representative told me that this is a " known issue '' and they have their " IT guy working on it ''. As she explained it, apparently this is an IT issue that is causing the two " current payment due '' amounts to not equal each other. Understanding that data issues are troublesome, I am submitting this complain because this issue has persisted for at least three months at this time and is causing other borrowers ( such as myself ) undue confusion and has the possibility to negatively impact our credit. As this is apparently a known issue that has yet to be unresolved, I would expect that FedLoan Servicing would notify borrowers of this known issue to avoid confusion ( at minimum ). However, this has not happened so my hope is that this complaint will educate other borrowers of FedLoan Servicing 's current IT issue.
Product: Credit reporting or other personal consumer reports

After obtaining my consumer report, I noticed that there are derogatory items reporting on my accounts that are fraudulently reporting without the consent from me, the consumer to whom it relates. This is a direct violation of 15 u.s.code 1681 ( b ) Permissible purposes of consumer reports ; which specifically states that any consumer reporting agency may furnish a consumer report under the following circumstances AND NO OTHER ( 2 ) in accordance with written instructions from the consumer to whom it relates. Experian has also violated 15 u.s.code 1681 ( c ) which states that no consumer reporting agency may make a report containing any of the following items of information : ( 1 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This proves that no adverse items besides convictions of crimes should be included in a consumer report. Since Experian has committed fraud by using there identifying information of another without authority, this constitutes Identity Fraud. I will attach my consumer report with all of the derogatory marks on my consumer report that are to be removed immediately due to identity theft. Under 15 u.s.code 1681 ( c ) 2, 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, not later that 4 business days after the date of receipt by such agency.
Product: Money transfer, virtual currency, or money service

They took money out of me when using XXXX  to do XXXX  actions and when you using my bank card they took out inter national fees wheih was not told me and when requesting the money back they would not give it back to me.
Product: Checking or savings account

Banking with Citibank on XX/XX/22 Citibank blocked account after direct deposit was received. I contacted Citibank to find out why account was blocked they said they closed account upon review and would not provide me with any information why account is being closed Citibank stated they will send a letter stating why account was closed and check with funds in the account will be sent to the address on file within 60 days. I received the letter stating account was close based on their terms and conditions policy client manual- consumer accounts which states Citibank can close any account with no notice or reason. Did not receive check in 60 days contact Citibank on XX/XX/22 to find out why I did not receive funds yet and the representative stated they can not provide me any information funds will be sent to address on file and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was living in XXXX XXXX from XXXX XXXX XXXX and the people I lived with stole my direct express card and now I have no way to report it as a fraud. I called the social security office and they aren't receiving any new calls
Product: Credit reporting or other personal consumer reports

I believe my information was compromised when my sensitive data was exposed by XXXX XXXX  's group XXXX. THIS VIOLATES FERPA.. and I would like my student loan forgiven in its entirety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY PULLED A CREDIT REPORT AND NOTICED SEVERAL ITEMS THAT DID NOT BELONG TO ME. THERE WAS A XXXX ACCOUNT(XXXX) WITH A BALANCE OF $XXXX, XXXX(XXXX), XXXX XXXX   (XXXX) WITH A BALANCE OF $XXXX, A BANKRUPTCY (ref # XXXX/COURT: Us bkpt ct ca la), AND A HOST OF CREDIT INQUIRIES IN THE INQUIRIES SECTION OF THE CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THESE FRAUDULENT ITEMS BUT WAS TOLD I NEEDED A POLICE REPORT TO EVEN GET INFORMATION ABOUT THE ACCOUNTS FROM THE CREDITORS.  I HAVE GOTTEN A POLICE REPORT AND I AM FILING THIS AFFIDAVIT TO HELP CLEAR THESE ITEMS FROM MY REPORT. i HAVE NOT PURSUED CREDIT WITH ANY OF THE COMPANIES LISTED ABOVE NOR HAVE I GIVEN ANYONE PERMISSION TO USE MY INFORMATION IN THE PURSUIT OF CREDIT.
Product: Debt collection

First off this hospital palm springs slandered by saying they accept my insurance XXXX. then they did fraud after they didnt charge my insurance and my insurance had to appeal and negotiate to accept. now they have been harrasing me for the past year with debts claiming to take legal action as they didnt even give me prescriptions and hurt me as a patient. as well the optimum outcomes inc keeps harrassing with services rendered in form of law suit collection
Product: Debt collection

{$1900.00} Ncb Management Services XXXX XXXX XXXX  XXXX XXXX  Due to inaccuracies in these credit reports, ( XXXX  & XXXX ) i demand that the validation i hereby request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally. 
Please be advised that I am request competent evidence that I had some contractual obligation in relation to the tradeline. 
Within 30 days of this notice, either answer these demands or remove the associated negative tradeling notations from these credit reports. 
Continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for formal complaint being filed pursuant to federal statute.
Product: Credit reporting or other personal consumer reports

dear sirs, submitted id theft report, ftc report # XXXX, police incident report and XXXX, equifax continue to report on my credit file about a bankruptcy.i never filed for a bankruptcy and a bankruptcy is showing up as public record in my credit file. 
please indicate to XXXX and equifax that they are reporting incorrect information in my credit file.I already sent them documents attached and still they continue to report incorrect information about public record, bankruptcy.
Product: Credit card or prepaid card

Synchrony Bank decreased my credit limit with our notifying me. My credit limit was XXXX. On XX/XX/2020 I made a {$200.00} payment that left me a balance of {$650.00} with a little over {$1800.00} in available credit. On XX/XX/XXXX I login to my online account to make a early payment and noticed my available credit was - {$19.00} and my credit limit was decreased to {$640.00}. I received no notice from Synchrony that this  would happen and according to my payment history there is no way I should be in the negative. I have never missed a payment and my payment history is excellent and I have paid much higher than the monthly amount due. I really do not care if they decrease my credit limit but to do so then put me in the negative is a dissatisfaction and shows Synchrony cares nothing about their consumers. This type of mark will hit my credit report as if i have not paid on the account and that is just not true. 

Here 's is my payment history for the last six months Payments listed below have posted to your account. 
View Payment Activity for : XX/XX/2020Online Payment {$200.00} XX/XX/2020Online Payment {$200.00} XX/XX/2020 Online Payment {$200.00}XX/XX/2020 Online Payment {$200.00} XX/XX/2020 Online Payment {$170.00}XX/XX/2020 Online Payment {$170.00}XX/XX/2020 Online Payment {$100.00} XX/XX/2020
Product: Debt collection

I SENT A LEGAL LETTER ASKING THE COMPANY TO STOP CONTACTING ME AND TO NOT REPORT THIS ACCOUNT ON MY CREDIT BECAUSE ITS NOT MINE AND THEY HAVE YET TO DO SO
Product: Debt collection

I received a letter dated XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX XXXX with the verbiage " BE ADVISED THAT UNDER FEDERAL, THIS LAW FIRM MAYBE DEEMED A DEBT COLLECTOR. ANY INFORMATION OBAINT MAY BE USED FOR THE PURPOSE OF COLLECTING A DEBT. '' This statement is misleading and misrepresentation of Federal Law. This is decpetive practices. A debt collector must be up front and say whether or not they are a debt collector. Pursuant to Title 15 of the FDCPA there is no such thing as an attorney. I don't have a contract with the hotel. A. drew XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX is using my personal private property to trade, pledge, bargain, sell exchagne, collect, compensate and receive unjust enrichments with my CONSENT. You can my name on your document without my permission is a violation. That is ALSO IDENTITY THEFRT This is a federal XXXX Threaten to seize my property on XX/XX/2022. This is also a violation of Federal law.