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

I sent XXXX Credit Bureau letters to dispute XXXX XXXXXXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX  and XXXX on XX/XX/XXXX to get these accounts removed from my credit profile as they are not mine. I have no knowledge of these accounts. My information has been leaked through the dark web. I have disputed online, over the phone multiple times and sent in letters to XXXX and they refuse to remove it from my profile. I have spoken to agents from XXXX where they have stated that they don't require these creditors to send any type of proof. It is my right under the fair credit act that these accounts send me proof and or verification. These accounts were opened in fraud and I want them removed from my profile as it has been over 30 days. I have made the same complaints with the CFPB and still have not received any information in regards to my complaints.
Product: Credit reporting or other personal consumer reports

FTC Identity Theft Affidavit Example Text : I am filing this FTC Identity Theft Affidavit to report fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries have affected my life have resulted in several fraudulent hard inquiries and appearing on my consumer FICO credit report. XXXX XXXX XXXX {$9300.00} opened XXXX I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies Experian, XXXX, XXXX What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX Social Security Number : XXXX SSN ), Consumer Date of Birth : XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inquiries have resulted in several fraudulent inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries and account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian, XXXX, XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Checking or savings account

In XXXX, my wallet was stolen and my Schwab debit card was taken. I immediately reported the fraud. A charge was made, but then they blocked this card and did reimburse me. In XXXX, another charge was made for over {$4000.00} on the old card number. I again filed the fraud claim. I never got a response. Instead, I got a letter that all my accounts, and IRA, Roth, brokerage and checking accounts, were being closed. I called and was told this was for business reasons. The first person I spoke to said nothing at all could be done. I was able to escalate the call and at first a very helpful employee was able to get the fraud claim revisited, and the charge was credited. She told me my accounts would be fine. I still received letters that my accounts would be closed, and I was unable after repeated tries, to contact the woman who was navigating the process. I attempted to move my money, though on the checking account received messages that I am not allowed to transfer. Upon transferring, Ive been charged fees. On my IRA, they deposited my interest the day after I transferred the account. So now, if I want to get that interest, I would again face an additional transfer fee. I am still unable to access the money in checking and I find it absolutely unacceptable that I am paying transfer fees given their incompetent handling of my fraud case, and believe I should be reimbursed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this XXXX XXXX {$0.00} 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 unverifiableaccount.
Product: Mortgage

I modified my preexisting ACH automatic enrollment on XX/XX/20 to increase my principle payment. When modifying, the disclosures stated it would take affect XX/XX/20 as it was within in 3 days of my scheduled payment. 

I received a message in my online account message box that the information was set up and would begin XX/XX/20. 

I received a letter in the mail stating it was set up for XX/XX/20. 

When I click on my payments online, it shows an effective date of XX/XX/20. 

What actually occurred, it didn't set up the XXXX payment, canceled my already scheduled with ABSOLUTELY no notification or disclosure. When signing up for the modification, nothing states it would cancel an already set up payment and that I must not go in and do another payment. 

We did this same process on XX/XX/20 with no issue. When I contacted both the chat and the XXXX #, I was told 15 days for set-up ( different from the 3 days stated on the website ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Stated that my XX/XX/XXXX payment was considered late when it wasnt, I made two payments in XX/XX/XXXXwhich would have brought my account current. Incorrect information is being reported to the credit bureaus! I want a full investigation and proof of late payments and I want the correct balance reported.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA.

This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Account Number : XXXX Date : XX/XX/2013 Amount : {$750.00}
Product: Debt collection

I called to see what debt they was talking about and the creditor was rude and nasty saying I owe XXXX XXXX and I try to tell him I never had a XXXX XXXX card and I wanted to dispute this debt. He was rude and nasty and said well we will keep calling and hung up. The debt collector is direct recovery XXXX. They are calling my family members and I do not know how they got their numbers. They are also threatening me by leaving messages. I called back and another person answers but not addressing my issue because she on the phone with someone else.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 

I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 

Please remove it from my credit report or Im seeking litigation please delete. I demand the following fraudulent Inquiries deleted from my credit report immediately. 

1. Bank Name : XXXX  Date of inquiry : XX/XX/XXXX 2. Bank Name : XXXX Date of inquiry : XX/XX/XXXX XXXX
Product: Credit card or prepaid card

So Ive had two issues with netspend. The first issue I used my card at XXXX XXXX for a incidental deposit on the XXXX and the XXXX of XXXX. They refused to release The money back to me if I did not have proof that the hotel was not going to charge the card any more. Yesterday XX/XX/XXXX I got documentation from the hotel and emailed it to them, today when I called they said that the information can not come for me it had to come from the hotel, so the hotel manager faxed them the information. I called them back and they said that they could not except that becouse it did not have transaction breakdown on it. I explained to them that was because I paid for room through XX/XX/XXXX and didnt charge anything to rooom so there were no charges from hotel. They then told me that they had to hear it from hotel. The manager and I called three-way he explained this they still did not release the money they said they can not do it without a breakdown of the transaction history. 

About three hours later I called to check the balance of my XX/XX/XXXX card. The automated service told me that this was not a working card and connected me to the customer service the customer service agent then told me my card had been blocked. They could not give me information to why my card was blocked, then informed me that the money on the card could not be retrived. They told me that I had to purchase a new car and start another account. 

Nothing about this sounds legal I dont understand how they could block my card without my permission and keep the money that is on the card and not allow me to have it I dont understand how they can Refuse to release the money back into my account after the manager sent them the pro folio from my account at the hotel. 

I Really like some advice on how to go about getting my money back from them and holding them responsible. I want to take legal action against them
Product: Mortgage

I WAS IN AN ACTIVE LOAN MODIFICATION WHEN THE MORTGAGE COMPANY FORECLOSED ON MY HOUSE AND SOLD IT IN A TRUSTEE SALE. THIS IS CALLED DUAL TRACKING AND IT'S ILLEGAL.

I RECEIVED A LETTER DATED XX/XX/2019 REQUESTING ADDITIONAL DOCUMENTATION FOR THE LOAN MODIFICATION. THE LETTER STATED THAT THE INFORMATION WAS TO BE RECEIVED BY XX/XX/2019.

THE HOUSE WAS FORECLOSED IN A TRUSTEE SALE ON XX/XX/XXXX-19. I AM ALSO IN RECEIPT OF A LETTER FROM THE MORTGAGE COMPANY DATED XX/XX/2019 WHERE THEY ADMITTED TO THE ACTIVE LOAN MODIFICATION AND IT STATES THEY WERE IN THE PROCESS OF RESCINDING THE SALE.

I HAVE RECEIVED NO FURTHER COMMUNICATION FROM THE MORTGAGE COMPANY.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle 's handling of disputes, particuarly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. they informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. the CFPB 'S findings indicate zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system leaving users vulnerable to scams.the lack of accountabilitu and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

They said they could not remove anything from my report.
Product: Debt collection

This company is a fraudulent third party debt collector attempting to extort money out of me. They claim they are working on behalf of an original client, but the original client had already been sued, lost in court and had to pay out money for fraudulently placing the same debt on my credit report. And that means NATIONAL CREDIT SYSTEM is into buying and selling fraudulent accounts in hopes of financial gain. What do they think is the next step for them?
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account XXXX XXXX - This charge-off account shows a {$380.00} balance. The balance should not be reported after it was a charge-off. Also, the dates last activity is shown differently on the report ; Transunion shows XX/XX/XXXX, XXXX claims it was XX/XX/XXXX, while XXXX shows XX/XX/XXXX. This is clearly inaccurate. As per 15 U.S. Code 1681e, consumer reporting agencies are required to take reasonable measures to ensure the highest level of accuracy possible when preparing consumer reports. This means you must employ proper procedures to minimize errors and ensure that the information pertaining to the individual in the report is as accurate as possible.
Product: Credit card or prepaid card

I HAVE AN ACCT WITH AT & T UNIVERSAL CARD ( CITI ) I HAD 2 BALANCE TRANSFER OFFERS ABOUT TO EXPIRE I TELEPHONED UNIVERSAL CARD CUSTOMER SERVICE XXXX XXXX XXXX PRIOR TO THE EXPIRATION DATE OF THE ONE SOONEST TO EXPIRE ON XX/XX/XXXX {$6200.00} ( 0 % ) EXPIRE ON XX/XX/XXXX {$850.00} ( 1.99 % ) THE REPRESENTATIVE TOLD ME TO PAY {$6000.00} AND THE MINIMUM DUE OF {$210.00} PAID {$6000.00} ON XX/XX/XXXX AT THE AT & T WEB SITE. ( HAVE PRINTED RECEIPT ) PAID {$210.00} ON XX/XX/XXXX I THINK AFTER PAYING {$6000.00} {$210.00} FOR A TOTAL OF XXXX ON THE SAME DAY, AFTER PAYING THE LARGEST BALANCE, I USED A BALANCE TRANSFER CHECK TO REFINANCE THE XXXX. 

ON THE NEXT STATEMENT THE PAYMENT I MADE TO PAY OFF THE EXPIRING TRANSFER OFFER WAS APPLIED TO THE NEW BALANCE TRANSER CHECK I JUST WROTE. 

THEY CHARGED ME FOR A BALANCE TRANSFER AND ARE CHARGING ME INTEREST ON THE EXPIRED ONE. 

I HAVE CALLED SEVERAL TIMES AND SPOKE WITH VARIOUS REPRESENTATIVES TO EXPLAIN THE SITUATION THE FIRST TIME I CALLED. THEY REFUNDED THE INTEREST OF {$100.00} BECAUSE THE REP SAW THE MISTAKE. SHE ASSURED ME IT WOULD BE CORRECTED. THAT WAS IN.XXXX XXXX. 

I CALLED AGAIN AND SPOKE WITH SUPERVISORS. THEY ASSURED ME IT WOULD BE CORRECTED ALSO. I WAS TOLD TO WAIT ABOUT 5 BUSINESS DAYS FOR A REPLY. 

I RECEIVED TWO FORM LETTERS 2 WEEKS APART EXPLAINING HOW PAYMENTS ARE APPLIED. 

I CALLED AGAIN AND THE LAST TWO REPS I CALLED SAID IT WAS BEING WORKED ON. 

HOW LONG DOES IT TAKE? 

THE BOTTOM LINE IS THAT THEY APPLIED MY PAYMENT FOR AN EXPIRING BALANCE TRANSFER TO THE NEW BALANCE TRANSFER. NEGATING THE WHOLE REASON FOR THE PAYOFF TO BEGIN WITH. 

UNIVERSAL CARD SHOULD HAVE ALL MY PHONE CALLS RECORDED. STARTING WITH THE REP WHO TOLD ME HOW TO PAY OFF THE EXPIRING OFFER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and sent in police report that my information was stolen and these items keeps coming up verified, of course it would they had my birth certificate, social security card, and ID. I asked for proof of a signed contract by me plenty of times but never got it! Please validate with a signed contract by me or delete!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. Convergent Account # 1234 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.

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

PLEASE REMOVE THE FRAUDULENT ACCOUNTS LISTED ON MY CREDIT FILE THESE ACCOUNTS ARE NOT MINE AND I HAVE NEVER DONE BUSINESS WITH THESE CREDITORS PLEASE HAVE THE ACCOUNTS DELETED IMMEDIATELY.
Product: Credit card

I have been a customer for over XXXX years and this bank closed my account after I reported fraudulent charges they were charging me over the years. They never credited those charges. After they closed my account I have a money due bac however it's been months and they still haven't sent me a check for the amount they owe me. I have reached out to Office of Comptroller and they told me if this isn't resolved to reach back out to them. 

What they have been doing is illegal and I reach out to FTC and Office of Comptroller if this isn't resolved. I don't know how this bank that is regulated can get away with such fraudulent and illegal activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. I need these accounts removed from my credit report immediately.
Product: Credit card

This is in regards to a business account with Sams Club. I made 2 payments on my Business Credit Card with Sams on XX/XX/2024 and XX/XX/2024 for the amount of {$50.00} each. The monthly payment for the month of XXXX was {$50.00}. Sams applied both payments to the XXXX payment when the 2nd payment should have been applied to the XXXX payment. This results in several chain of events happening : 1. An incorrect late payment was assessed to my account for the month of XXXX. 
2. Due to the incorrect late payment being assessed, Syncrony pulled the commercial credit report and made the decision reduce my credit limit from {$2500.00} down to {$1000.00}. 

I have tried to correct this matter with Sams on XX/XX/2024 and have the payments applied correctly. They stated there was nothing they could do.

As a consumer, I have a right to have my payments applied how I need them applied. The credit card company does not have the right to post extra funds how they choose.

Sams received their XXXX payment in a timely manner. Any extra funds should be applied per my instructions.

I requested the amount be applied correctly, the late fee be removed and amount account be restored to its original status but Sams informed be there was nothing they could do to correct this matter. 

I am requesting the CFPB to look into the billing practices of Sams Club Business and also the business practices of Syncrony with payment errors are made.

I appreciate any assistance in the matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App 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 errors 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 have these fraudulent inquiries affecting my score to which I never had any associated nor was ever aware of. I have disputed these fraudulent inquires before but was ignored.
Product: Debt collection

I sent this company a certified letter for proof of verification and I didn't get a response
Product: Debt collection

I had a settlement agreement with LVNV Funding, LLC, with payments of {$49.00} being automatically debited every 2 weeks through XXXX XXXX XXXX XXXX. My ending balance on XX/XX/2020 was {$490.00} of a {$1200.00} agreed upon settlement. Payments abruptly stopped being withdrawn in XXXX I believe, I called XXXX XXXX and was told to call Resurgent. Resurgent told me there was no record of my account. I continued trying to find out what happened, while LVNV was added to my credit report in the full amount of {$1500.00}. I was finally able to get a hold of someone at Resurgent who told me they will not honor my original settlement agreement since it was through a different company. I was never notified of the change in processing companies. Resurgent wants to settle for {$1000.00}, virtually eliminating the {$710.00} I have already paid toward this debt. I have disputed through XXXX  without success. I am not diputing the ownership, only the amount owed. I have a document from XXXX XXXX showing the ending balance owed on the settlement. What, if anything can be done? Thank you.
Product: Credit card

I was offered a promotional balance for a certain amount of time. After paying one day late and receiving a charge of more than {$400.00} balance promotion stopped and I was not advised properly. This unfair marketing practices made me incur again in another unexpected {$200.00} charge.
Product: Student loan

MOHELA placed my account in a forced administrative forbearance from XX/XX/XXXX through XX/XX/XXXX. I am working towards XXXX and did not want to lose any eligible months towards repayment. I have called MOHELA multiple times since XX/XX/XXXX and have been told my account will be update to show these three months as " eligible '' for XXXX. The timing is important as I should have XXXX eligible payments in XX/XX/XXXX if these three months are counted. 

As of XX/XX/XXXX MOHELA has not updated by account an when I speak with a MOHELA representative by phone I am told the payments will be updated to eligible. However, this is not shared in writing and MOHELA will not indicate when they will be updated to " eligible. '' I would like to formally request for my forced administrative forbearance to be reviewed and for these XXXX months to be updated to eligible for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.