23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XXXX Consumer XXXX : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, XXXX and XXXX XXXX consists of : * XXXX XXXX XXXX XXXX  ; Under the Account Number : XXXX ; Opened On : XXXX * XXXX XXXX XXXX XXXXXXXX ; Under the Account Number : XXXX ; Opened On : XXXX * XXXX XXXX  ; Under the Account Number : XXXX ; Opened On : XXXX * XXXX XXXX XXXX XXXX; Under the Account Number : XXXX ; Opened On : XXXX * XXXX XXXX XXXX  ; Under the Account Number : XXXX ; Opened On : XXXX * XXXX  XXXX; Under the Account Number : XXXX ; Opened On : XXXX * XXXX XXXX XXXX ; Under the Account Number : XXXX ; Opened On : XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX XXXX  XXXX XXXX XXXX REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID ( Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX according 15 US Code 1681- governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Response is all said varified, but know evidence on how they varified the information ; written or verbal!!!
Product: Debt collection

A debt was reported on all of my credit reports from Account Resolution Services in the amount of {$730.00} open on XX/XX/2019. I sent a HIPAA authorization and a validation to this company on XX/XX/2019. They started calling me everyday, different times of the day after receiving letter. I also checked my state 's secretary and this company is not licensed in North Carolina to collect. They also sent me a bill for a hospital in XXXX, NY I have not been to nor does have my name as the patient seen at this hospital.
Product: Credit reporting or other personal consumer reports

I went to buy a car last year and i have been having numerous hard credit pulls show up since at random from other dealerships and creditors. The only thing I should have regarding hard pulls are XXXX, XXXX  XXXX, and XXXX. And there should not be more than XXXX total. 

There are also numerous on there that are outside of the expiration and should have fallen off already.
Product: Checking or savings account

I recently deposited checks from my niece and nephew that didnt go thru because of something on the other banks end they started a thing where the person had to verify the checks first. We didnt know that and thought it was an issue with the balance so they wrote me smaller checks which subsequently bounced as well due to the new process that we werent aware of at the time. The fraud department got the case and decided to do an investigation feeling the checks were fraudulent because they say the signatures were the same. Meanwhile my niece and nephew both went to the bank with statements stating they wrote the checks. The fraud department now is stating the signatures on the letters dont match, but they say they signed them, end of story I have had this account for over 20 years all my money and bills are tied to this account deposits are coming in I cant access, my subscriptions are being canceled because the account is on hold. Now they want a notorized letter stating Im am the executor of my sister estate which is no problem, but why? That had nothing to do with the checks. If they chose they can verify funds if they decide to write another. But why do I have to bring this document when my deceased sisters name is no where on the checks? Who are they to tell a person they didnt sign when they said they did????? They have what they needed from them, they both went with ID and attested to signing the checks. WHAT MORE NEEDS TO SAID. This now starting to feel like discrimination because XXXX XXXX and I guess fraud is what we do but thats not the case here. Me, my niece, nephew are prepared to get legal representation to defend us from the prejudice, and refund of fees and losses that have resulted in my account being blocked this long. Multiple bills didnt get paid I racked up over {$1000.00} in late fees along with cancellation of accounts such as XXXX XXXX credit card late fees, etc. I would like to continue to do business with XXXX but it seems that XXXX XXXX XXXX  people are not welcome. I did nothing wrong. This whole process has felt discriminatory and XXXX.
Product: Debt collection

Collection companies trying to collect a debt that was fraudulently opened in my name. I am a victim of identity theft that started in XXXX. 
The common thread through all these collection companies is the original creditor : XXXX XXXX. It began with XXXX XXXX XXXX, XXXX saying they want to resolve an account with ( XXXX XXXX XXXX XXXX ) XXXX in XX/XX/XXXX, then XXXX XXXX XXXX XXXX in XXXX, then via text XXXX XXXX XXXX XX/XX/XXXX & currently Accelerated Financial Services XXXX XXXX XXXX XXXX. In all cases I have provided them with the police report numbers & informed them that I was a victim of identity theft & to quit contacting me. Today I find out from " AFS '' that the collections pertains to a company called " XXXX XXXX  '' whom I have never done business with.
Product: Credit card or prepaid card

Three charges were made on XX/XX/XXXX to my Direct Express Card. I did not make these charges. The charges were made with in XXXX minutes of each other. I filed an immediate dispute on that day, filled out all paperwork that they sent me and also sent them a letter describing the incident. I received a letter on XXXX stating that the merchant had provided their Department with proof that they were valid charges. I contacted Direct Express fraud investigations team that day, requesting proof of the documentation that was provided to them. One of the charges was reversed within 3 days of it occurring. The other two have still not been resolved. On XXXX I contacted fraud services again, due to the fact I had not received any proof or communication. I was provided with an escalation service number and told that I would receive a credit on my card within XXXX to XXXX hours for the two charges that I was disputing. I called back on XX/XX/XXXX to ask why I had not heard anything, and was told it was because of XXXX XXXX. Called again on XX/XX/XXXX still no credit on the card or communication from the company. Again Ask for proof of charges, and was told I had never asked for them but they would send them out. Was denied being able to speak to the investigator on the case, was told they did not take calls. Asked for them to send a message to said investigator to contact me and was told they didn't do that either. Ask for supervisor and when the supervisor came on the phone he spoke for one sentence and then hung up on me. Called back again gave them my name and social security number and they hung up on me again immediately.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$170000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX and XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect you to handle this dispute with the upmost seriousness and compliance with legal standards. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes
Product: Credit reporting

BYL collection services XXXX XXXX PA, XXXX XXXX Account # XXXX no contract or no signature
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to demand the immediate removal of unauthorized hard and soft inquiries from my credit report. In accordance with the Fair Credit Reporting Act ( **FCRA** ), specifically **15 U.S.C. 1681**, and under the authority of the **Consumer Financial Protection Bureau ( CFPB ) **, I have the right to accurate reporting of my credit history. After reviewing my credit report, I have identified multiple inquiries that were made without my authorization or permissible purpose. These inquiries are as follows : Please note that I **authorized inquiries** from **XXXX  XXXX**, **XXXX XXXX**, and **XXXX XXXX**. All other inquiries on my credit report are unauthorized and must be removed immediately. 

Legal Basis for Removal : 1. **15 U.S.C. 1681b ( f ) ** : Credit reports may only be accessed by parties with a permissible purpose. If an inquiry was made without my explicit consent or a transaction initiated by me, the inquiry is unlawful and should be removed. 

2. **15 U.S.C. 1681c ( a ) ( 2 ) ** : Credit bureaus must ensure the accuracy and completeness of consumer reports. Any unauthorized or erroneous inquiries must be removed to maintain the integrity of the report. 

3. **15 U.S.C. 1681i ( a ) ( 1 ) ** : I have the legal right to dispute any inaccurate or incomplete information on my credit report. Upon receipt of this dispute, the credit bureau is required to investigate the matter within 30 days and correct or remove any inaccuracies. 

4. **15 U.S.C. 1681s-2** : Furnishers of information, such as creditors or companies making the inquiries, are legally required to provide accurate information. Any inquiry made without my explicit consent violates this statute and must be corrected or removed. 

Action Requested : - **Immediate removal** of all unauthorized inquiries from my credit report. 
- Written confirmation that these inquiries have been deleted. 
- Assurance that no further inquiries will be added to my credit report without my explicit consent. 

Failure to remove these inquiries in a timely manner could result in the need for further action, including filing a formal complaint with the **Consumer Financial Protection Bureau ( CFPB ) ** and pursuing legal remedies for willful non-compliance under the **Fair Credit Reporting Act**. 

Please consider this a formal dispute of the unauthorized inquiries. I expect a response and resolution to this matter within the legally mandated 30-day period, as required by **15 U.S.C. 1681i**. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}, {$11000.00}, {$340.00}, {$0.00}, {$5600.00}, {$0.00}, {$8600.00}, {$12000.00}, {$0.00}, {$0.00}, {$0.00}, {$600.00}, {$0.00}, {$3000.00}, {$13000.00}, {$6400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

11. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$600.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

16. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased a vacation rental through XXXX and paid through Paypal for the full amount of {$1500.00} for a vacation scheduled on XXXX. On XX/XX/XXXX I was informed the property was sold and my vacation rental was no longer available. I was told to request a refund through Paypal. On XX/XX/XXXX I opened a claim through the Resolution Center. It was immediately closed stating since I didn't file within 180 days my case was closed. I was never informed until XX/XX/XXXX the property was sold and that was only after I initiated the conversation as I never received details regarding my upcoming vacation. I simply would like my money back for a vacation that I did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i contacted XXXX finance car loan company and XXXX XXXX XXXX to ask about a account that was open in my name XXXX account number XXXX and XXXX XXXX XXXX account number XXXX i asked them why this was reporting under my name when i did not authorize these accounts to be open in my name. i never gave them authorization to do so with my personal information. there contacted number is XXXX XXXX and XXXX XXXX XXXX XXXX i also contacted XXXX, XXXX and Transunion regarding this matter with no resolution.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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: Checking or savings account

On XX/XX/XXXX I went to review my account as I do periodically. I noticed 4x over draft fees posted on my account on XX/XX/XXXX On XX/XX/XXXX my account ended with a balance of XXXX. On the 3rd I deposited an additional XXXX. A total of XXXX in positive funds. 

A total of XXXX in debits posted on XXXX. So even with the XXXX in over draft fees applied I was net XXXX in the positive. 

When I contacted my bank about the mistake they had made I was told I was mistaken even after going line by line over the account statement.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was refunded on cashapp for {$150.00}. They refused to release my funds to me and closed the cashapp. I emailed and called, even with proper verification, they said they could not give me my funds due to " security reasons. '' I gave them the correct address on file. Correct phone number on file, correct email on file and also sent in a picture of my drivers license. They still refused to release my funds to me
Product: Credit card or prepaid card

On XX/XX/2023, I applied online for a line of credit. Bank of America immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B by denying me and further discouraging me from applying for an extension of my credit.
Product: Credit reporting or other personal consumer reports

The information on my report is inaccurate. I completed a police report back in 2022 declaring the issue. I have not seen any adjustments to my report. I was told that my report/compliant could not be processed because it was coming from a reporting agency-even though I provided detailed information regarding the dispute along with the formal police report proving identity theft.
Product: Checking or savings account

XX/XX/23 XXXX was taken out of my account ending in XXXX i didnt receive in call or mail saying that my account was going to charged for this amount i talk to a representative to see if I can get the funds back and they said couldnt get back the money I want to pay both of the charge off accounts on XX/XX/XXXX I didnt want any money taken out of my account without any call or email/mail saying money was going to be taken out
Product: Checking or savings account

On XX/XX/XXXX, I submitted {$60000.00} dollars to XXXX XXXX from my XXXX  XXXX XXXX checking account. Like many others, my account was frozen without warning for 60 days when I tried to withdraw money back to the same XXXX   XXXX XXXX account on XX/XX/XXXX. I called and was told that I needed to show proof of ownership of the checkings account and this was done for security purposes. 

This makes little sense, since I already transferred money in from the same account, so I researched complaints on this bank and was astounded to find the link below, covering many custoemrs complaints of funds being frozen 60+ days, after speaking to countless supervisors and promised certain dates, only to still not be able to withdraw funds. 

I've emailed and called XXXX XXXX, and have heard nothing but that a supervisor would call me back. My money is frozen in this account XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( XXXX ), 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 ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Mortgage

I participated in the XXXX  relief program were the payment was stopped for a duration and we were given a loan modification to get back on track, we received a letter that it was not approved. We are trying to pay and we have the financials to pay but having difficulties establishing that process.