23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AR XXXX XXXX : XX/XX/XXXX SSN : XXXX To : Resurgent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX RE : Disputed Account - Notice to Furnisher Ref # XXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : 1. Close the unauthorized account 2. Remove any charges on the unauthorized account, and 3. Take steps to remove information about this account from my credit file I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. 

Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).

I ask that you take these steps as soon as possible 1. Close the unauthorized account 2. Remove any charges on the unauthorized account, and 3. Take steps to remove information about this account from my credit files. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions. Email Me @ ( XXXX ) XXXX send to the address above. I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account. 

Sincerely, XXXX XXXX Enclosures : a. FTC Identity Theft Report b. Proof Of Identity c. Notice Of Furnishers Of Information
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi.XXXX XXXX there are unknown inquiries on my report that I did not apply for, upon trying to resolve they remain on my report I currently have a block and security measures on all credit bureaus, granted these inquiries are not performed by me. 

I have also file a complaint with the PENNSYLVANIA ATTORNEY GENERAL DUE TO DUPLICATE FALSE INFORMATION ON MY REPORT ON ALL THREE BUREAUS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 would I was going over my credit report and I just now noticed that they are maliciously putting a previously a lot of inquiries on my credit file that I did not authorize and approve these are these type of things that I've been talking about after numerous times of reporting to you guys that they're doing XXXX and loan has over XXXX inquiries on my file that's right now that I can count right now on on XXXX XXXX thing they have more than XXXX dates that they have hard inquiry on my credit file and I do not know I know some of these dates are on the same exact date so I did not request my credit card to be hardinkery three times in one day pretty much a lot of the inquiries on my file like XXXX XXXX XXXX XXXX XXXX XXXX has more than XXXX inquiries on under hard increase under my credit file and I know I will not ask for them to do a XXXX inquiry on my file if I got denied XXXX or XXXX or XXXX times why would I keep asking them to run credit check that makes no sense I am providing documents showing that XXXX is abusing the the power by continuously putting XXXX increase on my file since they can not report any anything else accurately so they produce it to be going to my side because it takes longer and it's harder to get off of inquiry than anything else you have to actually submit each document for each one of these credit increase so they like to stack them up I should not have to spend my time or my hard earn money to go under here and go each one by XXXX and try to dispute each XXXX of these when they know and they're internally putting these on our files 85 % of these increases on these trial have been for business-related inquiries in the first place so they should be placed on my business credit not my personal credit I am an XXXX XXXX XXXX XXXX XXXX another one they have more than XXXX XXXX XXXX more than XXXX inquiries under my inquiries that I apply for a hard credit check that I do not apply for it and why do we have to dispute this. I don't know my next step but this is discrimination cuz I don't know why they would sit there and pinpoint me out of everybody that goes through there and sit here it's been one thing after another with these guys they I call and tried to get the disputed they hang up in my face and send me to answering service the next time I call in so why are they allowed to do this please advise me to the next steps I need to take to get this resurrected or get this fixed so they don't happen again I have been denied a lot of credit or loans or stuff due to the fact that they are discriminating against me and all my XXXX  XXXX or whatever it is I have also provided a documentation the experience is doing the exact same thing I'm sure TransUnion is too XXXX  and provide outlet soft increase I know they don't affect your credit but if they don't take my credit I'm on them off of there if I did not approve them and I went in to provide documentation showing that they follow the law when they put them on there
Product: Vehicle loan or lease

I secured a car loan from Bank of America for a new XX/XX/XXXXXXXX XXXX after they offered me a better interest rate. ( My original loan was from XXXX ). I continued to make my car insurance payments directly to XXXX via automatic deductions from my bank account. Unfortunately, the car was written off after a bad accident during a rainy night on XX/XX/XXXX. I contacted the insurer ( XXXX ) who informed me that they, without my knowledge and proper notification, cancelled full coverage on my car. However, I did not receive any of the letters that they claimed they sent requesting pictures of the car for full coverage purposes. They continued automatic deductions from my account, so I was not aware of the change in coverage until I contacted XXXX. I was also shocked to find out that BOA was not aware that the car did not have full coverage as they continued to accept my automatic payments each month. After the accident, I spoke to at least 10 of BOA employees after calling almost every day and got transferred to many departments. After many times of calling, no one gave consistent advice. I was completely misinformed about what to do moving forward. I was offered a write off by the Towing company and XXXX ( the other party involved in the accident ) but was unable to move forward because the lien holder was BOA. BOA reps informed me to get a new tile with them as the lien holder, which they were, and they will take the car back and " write it off. '' Unfortunately, at this time I became unemployed. When I got the title from DMV, I called BOA and was informed by another employee that they will not write the car off. This employee told me to surrender the car as a repossession which I agreed. It took a long time for them to pick up the car, and after several more phone calls I spoke to a XXXX XXXX who put me through to the repossession department. 
After a long six months, they finally picked up the car. Then, they sold the car for far less than what I was offered. Additionally, they tacked on repossession expenses and commission on the sale. BOA is now making harassing phone calls about this loan balance that has totaled to an amount of {$10000.00}. In turn, this balance has ruined my credit and is threatening collection using aggressive collection tactics. I have lost my down payment and my monthly payment that I have invested over two years, nonstop, for this car. I am now left with a ruined credit and threatening calls from BOA. I think BOA engaged in unfair practices by providing me with false and deceptive information. For instance, they told me to get them on the title as a lien holder then conveniently informed me to have them repossess the car, which I voluntarily did and now I had no recourse. I feel that consumers are constantly being taken advantage of by these financial institutions. In looking back, it seems that BOA used this vulnerable situation to try to remedy their title deficiencies and then used a bait and switch technique after they received the documentation and the car. I am now left without a car, a big loan and bad credit.
Product: Mortgage

I started a mortgage application with Wells Fargo in the beginning of XXXX. All documents were given to them, as I had just ended another failed mortgage process. I was given the first closing date, which did not happen. The company cited the underwriter who had been handling the file, had not done their due diligence on the file. The closing did not happen. I was then due to a grueling process, which included several request for documents, which became never ending until my purchase agreement expired. The seller increased the cost of the house. Due to the company stating I needed 2 additional documents, and a tax statement I continued the process. After they received the documents, they begin to add for additional documents, which completely soured my deal. The seller backed out of the deal and raised his home to {$10000.00} more then the original asking price. During this process I was given approval letters of commitment, only for them to rescinded as the company negotiated in bad faith. This process took a tool on my life, my health, but must of all it left me with the home of my dreams being pulled from under me. It should also be noted, I counseled with a mortgage broker, prior to me finding a home, to insure homeownership was in my reach.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I contacted Experian Credit Reporting Agency. Spoke to multiple representatives, named XXXX, etc, she stated she is USA Impact team, some of them were in Specialized Team. 

On XX/XX/XXXX, I was transferred to multiple operators, from XXXX XXXX, to US call center reps, I spoke to rep name XXXX today she took all my information and then told me shes working from home and has to attend to her barking dog! Ultimately she hung up on me. I have been notified by my Lawyers that the information on my credit file is incorrect, balances and third party collectors are collecting illegally. 

However, upon contacting Experian I am just given a run around, such a unethical behavior and unprofessional service.
Product: Student loan

this is a continuation to the complaint that CFPB just closed. The Federal Student Loan stole over {$600.00} from me by applying to take that amount from my Federal Tax Return for XX/XX/XXXX that I was due back this year. They sent you, CFPB the paperwork stating as of XX/XX/XXXX I only owned XXXX to pay off the loan and yet applied to the Federal IRS and took over XXXX of my federal tax return.
Product: Credit card

Chase closed a dispute in the vendors favor, even though we chose a refundable airline ticket, showed that it was refundable in our reciept, all the airline did was show some random text for their NON-refundable tickets ( which we did not purchase ) that there was no refund, and Chase chose in their favor. This is not acceptable. They did not consider our evidence.
Product: Checking or savings account

On XXXX XXXX, XXXX, an unidentified person went to a Bank of America ( BOA ) branch in XXXX New York with fraudulent identification. Bank employees gave this person a new ATM card with access to my account. He subsequently withdrew {$800.00} from an ATM and additional {$6000.00} was personally withdrawn via a teller. I was alerted to some irregularities with regard to funds being shifted between accounts at BOA, which led me to go online where I discovered some large withdrawals that I did not make. I was told that the amount is still being investigated. The {$800.00} was confirmed that it was fraudulent and will be refunded. I have been given no further assurances regarding the {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

NOTICE TO PRINCIPLE ( 2 ) " YOUR ARE BEING ASKED TO COMPLETE ARBITRATION '' " YOU ARE OFFICIALLY NOTICE OF A CIVIL SUIT '' Case Number XXXX ( XXXX  ) " United States District Court ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/20, syncb/lowes XX/XX/20 and XX/XX/20, XXXX XXXX XX/XX/20 allowed fraudent applications to be processed with my information without my permission, I never applied for anything and never authorized these illegal inquiries that landed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 received an email stating that Id applied for a store credit card and my credit was checked. I did not apply for this card
Product: Credit card

I was checking my credit report and I noticed there is incorrect information I have never seen before. You reporting negative accounts. I dont have a contract with them, also I have never received a phone calls or mail about these items. Please review my credit report and delete the accounts are listed below XXXX XXXX XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX As you can see on the report, you marked 30 days late, than account closed, than 30 days late again. This information is incorrect. I dont have this card and never applied for XXXX XXXX XXXX date opened XX/XX/XXXX I have never had this credit card, so this account never belong to me XXXX XXXX XXXX XXXX date opened XX/XX/XXXX I have no idea where is account come from. I dont have this car loan!! I dont have anything from this company I believe that someone have my personal information and applied for it without my knowledge I always pay on time, I have a good standing credit history. Please delete this information as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit investigation on XX/XX/XXXX More than 60 days have passed, and I have not received responses yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I learned via an alert from XXXX   XXXX XXXX that a credit inquiry was made by citi bank. I have not applied for any credit with that organization. As soon as I learned of this unauthorized inquiry I immediately placed a fraud alert with XXXX, XXXX and XXXX. Since I have not applied for credit with them I requested that they remove the inquiry and any future application for credit under my information be verified first. Since this was not initiated by me they are not legally entitled to make an inquiry. I request that they contact the concerned credit bureau ( s ) and remove the unauthorized inquiry immediately, under the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

Account name REAL TIME RESOLUTIONS IN Account number XXXX Recent balance {$3000.00} as of XX/XX/2018- has been harassing with false statements and threats. This account is in violation of F.C.R.A. nad real time solutions has violated F.D.C.P.A. on several counts. please stop this illegal operation
Product: Credit reporting or other personal consumer reports

Negative Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX - XXXX " Under the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies, such as XXXX and Experian, have a significant responsibility to handle consumer information with fairness, impartiality, and respect for privacy rights. As a consumer, I have the right to ensure that my private information is not shared, as supported by 15 USC 6801, which states that financial institutions must actively uphold customer privacy and safeguard nonpublic personal information.

According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies, including XXXX and Experian, are only allowed to furnish a consumer report when provided with written instructions from the consumer. As the consumer, I have not provided any written consent for these agencies or the financial institution involved ( referred to as " Furnisher of information to credit agencies '' ) to share my information. Therefore, any form of consent given to XXXX, Experian, or the financial institution, including verbal, non-verbal, written, implied, or otherwise, is now revoked. 

Additionally, as per 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their option to exercise nondisclosure. However, the " Furnisher of information to credit agencies '' did not inform me of this right. This is a violation of my rights.

Furthermore, according to 15 USC 1681C ( a ) ( 5 ), unless authorized under subsection ( b ), no consumer reporting agency can include any adverse item of information in a consumer report, except for records of convictions that are more than XXXX years old. The account being reported without my permission is considered an adverse item. 

In conclusion, XXXX and Experian, as consumer reporting agencies, along with the financial institution ( " Furnisher of information to credit agencies '' ), do not have my consent to furnish this information, and they have failed to provide me with necessary notifications regarding my rights. Furthermore, the reporting of adverse information without proper authorization violates the regulations stated in the Fair Credit Reporting Act. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The personal consumer statement, in my credit file was not made by me and is 100 % inaccurate. I have filed several disputes directly with the company and submitted at least two complaints with consumer finance. I recently received a dispute decision by mail, stating that my request was unclear and my credit file had been updated on XX/XX/2021. Still, despite that, the inaccurate consumer statement exist. Please, get them to remove it in it's entirety. 

Thank you
Product: Credit reporting or other personal consumer reports

Hi there, I hope this message finds you well. I am writing regarding a wrongful charge on my credit card by a merchant, which resulted in my only late payment on my credit report. 

In XX/XX/year>, I attempted to cancel my subscription with the company XXXX. I clearly remember clicking the " Cancel Subscription '' button. However, instead of canceling, XXXX adjusted the frequency of my shipments to once every three months. Since I was using this card solely for this service, I stopped checking it after canceling the subscription, as there were no charges. Unexpectedly, after three months, XXXX charged me for their products, resulting in a late payment. 

This is the first blemish on my previously perfect credit history. 

I have been trying to resolve this issue with XXXX, but they refuse to help and insist that a chargeback can only be initiated by the financial institution. I have spoken to several Chase representatives, but they can not assist since the charge dates back to XXXX  They are not the only ones that can request a chargeback, because XXXX is telling me that they can not do a chargeback on themselves. Essentially Chase is blocking me from filing a dispute. 

Please help me rectify this situation. I am trying to buy a home and do not want to incur thousands more in interest due to this small blemish on my history. I aim to remove this late payment and qualify for the best rates possible. 

Thank you for your assistance.
Product: Debt collection

Was paying the collection agency before my employer was closed ... Attempting to start employment with the MS Department of Employment Security. However, I received a letter from the collector requesting information pertaining to me from the future employer. I am not currently working for this employer as of yet. And the attempt to get my personal information is disturbing. This could hurt my job offer. 

Letter received on : XX/XX/2019 Organization involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am following 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 cause significant inconvenience and financial loss and I seek appropriate redress for these violations