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

In accordance with the Fair Credit Reporting act XXXX Account # 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.
Product: Checking or savings account

On XXXX I XXXX  chime to see why in my chime app it had said card delivered but when I checked my mail i never received it so that is when I dialed XXXX the number on XXXX with the chime logo XXXX etc, ,THEman answered & said hello this is XXXX how can I help u, I then informed him that my card said it arrived but I never received it so he then stated I would need to do a secure verification where I send the funds to the secure account & then the fund would go automatically to my temporary card that they send u virtuall.I was under the impression I was talking with a chime representative, I have direct deposit thru chime for my paycheck this is my 4 year with them this is absurd.I disputed it 4 times to get the same run around & the last time I asked to speak with a manager or supervisor he got on the line & stated no customers never receive the money back like I thought that was very unprofessional I would never to business with chime after this nor will I recommend then to any one
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX CT XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX TX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Payday loan, title loan, personal loan, or advance loan

Good Morning, I have had account with PenFed Credit Union for quite some time. I opened a personal loan with PenFed in XX/XX/XXXX  for {$20000.00}. The outstanding balance is {$17000.00}. Since the beginning of this loan, I have made payments on the loan from my primary checking account ( XXXX XXXX ). Within their system, there has always been an option to click " Make a Payment '' then select the external account that you would like to use to make the payment. I have a credit card and two loan accounts with PenFed. The pay from my XXXX XXXX account option still remains there for my Credit Card. However, when I attempt to pay ( either from the app, or by logging into the website ) the option is no longer there. It does say to add an external account. So I go through the steps to add an external account, and at the end, it says that the account is already connect. However, it doesn't appear, or let me use it to pay. 
When I called in the first time, they advised there was an issue and they would enter a ticket for it. Today I called in and told them I still am unable to pay. The representative offered to process a payment over the phone. I agreed and the payment was processed. However, I told her that I do not want any late fees or negative reporting because your system would not allow me to pay. She laughed and said no you will still get the fees and negative reporting. 
There is a level of responsibility that a lending institution must have, when it comes to the products that they offer. If I called in and advised them of the program, that they refuse to fix it, that is a level of dissatisfaction that I am not happy with. 
I am not trying to not pay a loan at all, remember I am the one that called in today. I just do not think it is fair to receive any penalty or adverse reporting when their system is broken and will not allow me to pay.
Product: Mortgage

Since XXXX of XXXX, I have been in the process of refinancing, with my credit union, my current mortgage. During this process of getting the title work completed, it was discovered that Loancare , LLC, who was the previous mortgage holder, assigned to XXXX XXXX XXXX XXXX, my current mortgage holder, by instrument recorded on XX/XX/XXXX. Said assignment was executed on behalf of Loancare LLC by XXXX XXXX XXXX  XXXX as Attorney-in-Fact. Because the county in which we reside, XXXX XXXX in Maine, will not accept just a Power of Attorney, it must be a Discharge of Mortgage. I have attempted a solution through my title company since XXXX, XXXX ( 5 months at this date ). Loancare LLC is not cooperating with completing this Discharge of Mortgage, and thus the credit union can not close on my refinance. I would plead that this Bureau would intercede on my behalf to remedy this situation in some manner so that I can move forward. Thanks in advance for your help with this.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Good afternoon, I need the below accounts reviewed immediately as they have been paid on time and the XXXX account does not belong to me. Please adjust my credit profile immediately as its causing me harm. 

XXXX XXXX XXXX XXXX NEVER PAID LATE- PLEASE ADJUST XXXX XXXX XXXX NEVER PAID LATE- PLEASE ADJUST XXXX USA- XXXX NEVER PAID LATE- PLEASE ADJUST SANTANDER CONSUMER USA- XXXX UNVERIFIED ACCOUNT-FRAUDLENT -NOT MINE Kind Regards XXXX XXXX XXXX XXXX
Product: Prepaid card

On XXXX my Money Network card was used at two locations for ATM withdrawals while I was still in possession of the card. My card was assessed for two transaction service fees which is interesting because my card does not allow for withdrawals from ATMs that charge service fees. You must use a sponsored ATM which is usually a XXXX. The first transaction WAS indeed at a XXXX in XXXXXXXX XXXX  which I have never been to for {$300.00} plus service fee. The second was for {$200.00} plus service fee at a XXXX in XXXXXXXX XXXX which I have also never been to. 

The morning after it was posted I contacted Money Network about the issue and filled a dispute. They said that I would be receiving a letter in the mail that I needed to fill out and return within 10 days. Well, I actually found the form online and filled it out and included police reports that I filled in both cities that the unauthorized transactions occurred. 

I waited 12 days to hear back about the status of my dispute and even emailed the dispute department around 7 days and never heard back. They said that my dispute was denied due to digital validation. Whatever that even means. I finally received the dispute form in the mail on the ninth day, which would have put me over the 10 day limit to receive a provisional credit that they said I would receive until the investigation was resolved. Obviously they did not investigate the transactions as I clearly was not the one who made them. In the world of mass surveillance, there has to be a video of who made these transactions. So, now I must resubmit a dispute, who knows what the result will be, that can take up to 90 days to resolve, if at all. After being given the runaround for weeks with Money Network I did my own investigation and realized that this happens a LOT with Money Network and other customers just like me on this matter. 

There is no way to escalate it within their company. There is no way to speak with the dispute department and the customer service can barely read the script that they are provided to brush customers under the rug. I need this money as it is my only source of income and I have fallen behind on bills as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought this truck in Florida in XXXX. I stopped making payments but the truck was never repossessed, i even left it at my old employers office for 2 years completely available to be picked up. I am still in possession of the truck but I do not use it. This is a XXXX ram it still shows that i owe {$25000.00}. i sent a dispute letter to XXXX asking them to remove it from my records per : California law, code of civil procedure 337. ( I moved back to California in XXXX. I don't care for the truck and don't find it to be worth what is owed. i got an email from XXXX saying the account was " updated '' email said nothing else.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/year> 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have no involvement with these creditors, and the inquiries are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

The office of my insurance broker, XXXX XXXX, was broken into. The computers were stolen with all client information. The insurance company hired a company, XXXX, to help those of us affected clear the fraud. I was one client that was hacked. Multiple credit cards were opened in my name. During the first round of paperwork some of the accounts were cleared with the above information. Some did not clear. XXXX then found that the remaining accounts had the following common. The cards were opened by someone in California. They would order items and use my mailing address as the shipping address. Then they would change the delivery address after the fact. 
Once this extra level of the fraud was found, the other accounts were cleared as fraud. 
The only one left is a XXXX account for {$3500.00}. This debt was purchased by XXXX XXXX a debt collector on XX/XX/XXXX. This then reset the date shown on my credit report. Now I am again having to prove it was fraudulent for them. 
The actual open date according to XXXX was XX/XX/XXXX which is inline with the other fraudulent accounts.please help me clear this item also. My email is XXXX. Thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX XXXX ( 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: Credit reporting or other personal consumer reports

I am writing to formally inform you that I am a victim of a data breach, which has led to unauthorized credit inquiries being reported on my credit file. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent inquiry from my credit report. 
Fraudulent Inquiry to Be Deleted : Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/year>
Product: Student loan

My student loan payment history does not reflect the actual amount I paid. I called discover student loan services repeatedly and explained that the payments deducted from my bank account is not accurately reflected in the payment history. The account show less payment even though more payment is deducted from my bank account. I asked for a copy of my records, and waited to receive it for months but never received it.
Product: Payday loan, title loan, or personal loan

I sent a goodwill letter to XXXX disputing an amount of {$4400.00} and they are charging 34 % interest rate. I have attached a letter sent to them on XX/XX/18 which they have not responded to.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original XXXXonsumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) 9XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit card or prepaid card

The Old Navy store located at XXXX XXXX XXXX, XXXX, OH XXXX signed me up for a credit card without my permission. I returned to the store upon discovering this to have it canceled. The store manager said it was cancelled. Today I just got an email about a missed payment. Clearly it wasn't cancelled. I suspect if this store is using this underhanded tactic to inflate their sales numbers then they are not alone. Perhaps an investigation is in order.
Product: Credit card or prepaid card

In XXXX I purchase a cruise reservation with XXXX XXXX XXXX for a total of {$11000.00} ( see statements and account summary from XXXX to XX/XX/XXXX ). Some time later I received communication from them that they are postponing the cruise due to Covid and they rescheduled it. As the next cruise approached in XXXX I received another call that they would have to cancel that cruise as well. This time I asked for a I asked for a refund and XXXX XXXX was very helpful ( see letter from XXXX XXXX chief marketing office ). In XXXX of XXXX they refunded my {$11000.00} to my Citi XXXX XXXX card. Please see statement attached, On XX/XX/XXXX of XXXX the {$11000.00} showed up on my Citi Visa card as a credit ( see statement cardholder summary from Citi ). 
I called Citi and asked that the {$11000.00} credit be placed back in my personal checking account. They agreed and said it would take three to five days. I've waited and it has not shown up. I called again this morning and was transferred several times. Finally it was escalated to a woman named XXXX team XXXX fl. She gave me a different story. First she said it takes longer than that. When I asked why she said they were waiting on the refund department conditions? She didn't know what conditions. She became rude and said I'd just have to keep calling back. I asked for her contact information. She said she doesn't have a phone. She said she doesn't have an email. She put it back on me to find the exact dates of the payments to XXXX. After we hung up I pulled up my records and found the dates. I called back and got someone named XXXX. We asked for XXXX. He couldn't transfer us. We told him we had the information XXXX wanted. He didn't want to take it. He said the dates have nothing to do with it? They had so many excuses it didn't make sense. He said they are waiting for refund department. I asked to speak to the department that does refunds. He said no. They don't have a phone. I'm sure this is happening to thousands of people trying to get their refunds. During this difficult time we can't afford this cruise money to not be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 4 months I have made several disputes with Equifax & XXXX regarding an fraudulent account being reported on my XXXX/Equifax Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from Equifax & XXXX proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP
Product: Credit card or prepaid card

XX/XX/22 A few weeks ago I received a credit card in the mail which I did not request. I ignored it and have not used it. Today, I received a bill from from that credit card ( balance {$0.00} ). 

The card is from " XXXX XXXX XXXX Credit Card ''. 
The return address on the envelope is : " Wells Fargo Bank , N.A . '' The payment address is : Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX MN XXXX. 

The bill does include an account number.
Product: Debt collection

two debt collectors are trying to collect on the same debt XXXX provided verification of debt letters.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023 Westlake portfolio Management falsely reported information affecting my XXXX XXXX. They lied about payments and have been harassing me for payments when in my original contract it states I don't owe anyone anything after breaching. I've currently been extorted for {$700.00}, and they have stolen my car with my child 's car seat and her medication. They have also sent lawyers to intimidate me and got my court case canceled through false representation.
Product: Mortgage

In XX/XX/XXXX I received a letter from Mr. Cooper stating there were delinquent supplemental property taxes due on my property and Mr. Cooper planned to take funds from my escrow account to settle the delinquency. I immediately contacted the Tax assessor for my county and was informed that I was current on all of my taxes, but the PREVIOUS OWNER of the home had a delinquent supplemental tax bill and it was in no way my responsibility. I took my time to conference call the tax assessor and Mr. Cooper to have the tax assessor explain to Mr. Cooper that the taxes due were not my responsibility. I was told by a Mr. Cooper representative that they would do an investigation and confirm the responsibility of the taxes due and get back to me. I was also assured by Mr. Cooper representatives that " numerous letters and correspondences will be sent before we take any money out of your escrow account. '' One week later I received another call from someone at Mr. Cooper telling me they had paid the delinquent taxes out of my escrow account and my payment would be increasing as a result. I asked about the investigation and the agent had no idea what I was talking about, so I asked to speak to their manager and was disconnected. I spent 2 weeks trying to contact ANYONE at Mr. Cooper who could assist me with getting my {$3000.00} back and was told nothing could be done " everyone has to pay their taxes ''. Finally I spoke to someone who told me he would get the situation resolved on XX/XX/XXXX. I have since spoken to the Tax Auditor for XXXX XXXX XXXX who confirmed that the taxes were not my responsibility and that they would be sending Mr. Cooper a refund for the taxes paid inaccurate out of my escrow account. I have attempted to contact Mr. Cooper numerous times to find out when I will see my payment go back down and what compensation will be considered for stealing my money to pay someone else 's taxes. I have not received any response from Mr. Cooper, nor has my payment been reduced back to it's normal amount.
Product: Credit card or prepaid card

On XX/XX/XXXX I tried to purchase XXXX XXXX from XXXX XXXX in the amount of {$10000.00} or a XXXX coins I was charged {$100000.00} on my American Express Card. When I found out what I was charged I disputed the charge with XXXX XXXX on XX/XX/XXXX for refund due to the over charged amount. After multiple conversation with XXXX XXXX on XX/XX/XXXX I was told I should have received a refund. 

I also contacted American Express who told me that the money would also be refunded as purchasing crypto currency is not an allowed transaction. To date I have not received a refund from either American Express or XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX