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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on the items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the items are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX  should not be reporting a collection in the amount of {$740.00} on the XXXX XXXX XXXX XXXX account, original account holder XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License for identification purposes. ) This is military housing and our housing is paid for by allotment. When we vacated the premises there was no outstanding balance due and therefore nothing to collect. This account needs to report a {$0.00} balance due. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

I was a customer of TD Bank and in XXXX, XXXX and XXXX, XXXX I reported fraudulent activity on my checking account. 

In XXXX, I spoke with XXXX XXXX, Retail Banker who is located at the XXXX XXXX XXXX, NY XXXX to report the fraudulent activity on my checking account ending in # : XXXX. I reported the following information : XXXX. Checkpeople - charged my account XXXX times of {$6.00} on XX/XX/XXXX and XX/XX/XXXX. Ive never used this merchant. 
XXXX. XXXX XXXX - charged my account {$6.00} on XX/XX/XXXX and while I have a XXXX account, I did not authorize this charge. 
XXXX. Peacock - charged my account {$19.00} on XX/XX/XXXX and while Ive had a Peacock account, I never made a subscription for this amount so I did not authorize this charge. 

I was provided a reference # : XXXX however, I was denied a refund, which totaled {$40.00} because they said I had possession of my debit card. These charges were made online so even though no one else had possession of my debit card, there was no evidence I had to prove that I didnt authorize these charges according to the bank. 

On a second occasion, in XXXX, I spoke with XXXX XXXX XXXX, XXXX XXXX Representative who is also located at XXXX XXXX XXXX, NY XXXX to report additional fraudulent activity on my checking account. He told me to check my XXXX for malware which I did with XXXX who confirmed that no malware existed on my phone. I was given a claim # : XXXX and reported reported the following information : XXXX. XXXX XXXX XXXX- on XXXX different occasions of {$93.00} on XX/XX/XXXX, {$83.00} on XX/XX/XXXX and {$41.00} on XX/XX/XXXX totaling {$210.00}. This merchant is located up the block from this branch and I have never entered the store. In addition, I would never spend {$210.00} at a deli within a 13 day period. 
XXXX. XXXX- on XXXX different occasions of {$1.00} and {$6.00} on XX/XX/XXXX and {$29.00} on XX/XX/XXXX totaling $ {$37.00}. Again, these are all online charges therefore, while my debit card was in my possession, I did not authorize these charges. 
XXXX. Prime Video- I was charged {$1.00} and again, while I have a Prime account I never authorized this charge which was completed online. 

I live on Social Security XXXX and after being denied again, I am out a total of {$290.00}. 

Finally, because of this fraudulent activity on my account, I had to be reissued XXXX debit cards. 

Since I did not get resolution, I am asking for assistance to try and be refunded for {$290.00}.
Product: Mortgage

Please be advised I have submitted a full short sale package to my lender M & T Bank and we continued to submit all the documents and udpates. The lender declined the short sale after appraisal and stated my listing agent to sell for a full price offer. The appraisal was XXXX I have not been behind long enough for FHA to decline per my default status of the loan. We have been requesting the payoff letter from the Attorney on file and the Lender nearly a month and they would not accept my Authorization and asked that I notarize one to give to them? the property is still in my name I should be able to request a payoff to ensure the listing will pay the loan in full. The buyer of my short sale placed a full offer of XXXX to purchase the property and was sent to M & T Bank and they need to review that as per not helping us to get the payoff.
Product: Debt collection

This account is fraudulent activity I did not authorize anybody to sign me up for this account with this company if this doesnt get resolved ASAP I will use legal actions according to the federal law the debt that this company is trying to Collect for me was sold and not being authorized to do so I am obligated to use legal actions I want this account to be removed off my credit report as soon as possible if this doesnt get resolved legal actions will be pursued
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Bank XXXX XXXX dated XX/XX/2012 that my accounts are being closed based on information they obtained from a Consumer Report from XXXX XXXX XXXX XXXX. 

I disputed the matter with XXXX, however after their investigation, my acounts were closed. 

I disputed the matter with XXXX XXXX XXXX on XXXX XXXX and received their response regarding information they reported on their consumer report dated XX/XX/2012. 

I filed a police report with XXXX Police Department, in XXXX California, XXXX of Identity Theft, report number XXXX and with the Federal Trade XXXX XXXX FTC XXXX XXXX No. XXXX dated XX/XX/2012. 

I was receiving California State Unemployment benefits that were being deposited to my accounts here and with XXXX XXXX XXXX, XXXX. 

I filed a complaint with CFPB against XXXX XXXX XXXX, XXXX  speratley.
Product: Debt collection

ARC Management Group called my cellphone number on XXXX  XXXX of XXXX to collect a XXXX XXXX XXXX debt I wasnt aware of. I spoke with them on friday about the debt and before we could agree on any type of payment arregement, they told me it was already reported to my credit which I was so confused about since I wasnt aware of this debt. 

The debt comes from XXXX  XXXX XXXX XXXX XXXX PA - XX/XX/2020 Balance : {$3200.00}
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023 I made a payment arrangement for {$58.00} for XXXX weeks to pay off the loan of {$230.00}. However on XX/XX/2023 Ace sent an electronic check for {$230.00} to my bank for the full amount after the payment arrangement agreement. I notified Ace on XX/XX/2023 concerning the transaction and was told to send in my bank statement and wait for XXXX to XXXX for a response. I did and they did acknowledge the documents were received. I have contact Ace Express XX/XX/XXXX and XXXXXXXX XXXX still saying waiting until XXXX hours no respond. They have not offer to give me my money back after they have overcharged me. Fraudulently I
Product: Credit reporting or other personal consumer reports

The following accounts I have no knowledge of opening and I have attached a FTC theft report. 
XXXX  XXXX XXXX  account XXXX amount XXXX XXXX XXXX  account XXXX amount XXXX XXXX XXXX  account XXXX amount XXXX XXXX  XXXX XXXX Account XXXX amount XXXX XXXX XXXX XXXX account XXXX amount XXXX XXXX XXXX ACCOUNT XXXX XXXX
Product: Mortgage

I have been trying to resolve this issue since last year XX/XX/2018 .... payments have not been posted to my loan and also Floridas Hardest Hit was also not applied correctly. I have been trying to resolve this problem I have also tried loan modifications and they keep denying it. I have all documents which state the amounts are in correct and because of this I keep getting denied the modification its a domino effect. I just received another letter from them stating I applied for the modification late after they sent me to foreclosure. This is incredible I have been trying to modify and correct this problem. Way before it got this far all the notices I get from them are inconsistent I have all of my documents to prove it I have sent them proof and nothing gets done
Product: Credit card or prepaid card

I am submitting this complaint on behalf of my mother. 

In XXXX of XXXX two separate companies, one based in XXXX XXXX, the other in XXXX, made fraudulent charges totaling in excess of {$8000.00} with my mother 's credit card. 

She is retired and lives in XXXX Texas. She has never been to, nor does she have any associates in either of these countries. 

She disputed the charges, filing a claim of fraud in XXXX of XXXX. However the credit card company disputes this claim and is arguing she ( my mother ) benefited from these charges. We requested proof of the benefits my mother received from these charges, however the credit card company has not provided any documentation toward said benefits. 

We are filing a police report regarding the fraudulent charges. 

The credit card company has stated they intend to turn the matter over to a collections lawyer for review if they do not receive payment ( including interest ) by XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATE!!!!! I AM OPTING OUT! 

XXXX XXXX IS PLAYING A SICK GAME, THEY BETTER STOP PLAYING WITH ME BEFORE I WHISTLEBLOW AND REPORT THEM TO THE S.E.C FOR SELLING SECURITIES ON THE SECONDARY MARKET!!!!!!! 

I HAVE THE RIGHT TO PUT IN THESE COMPLAINTS AND XXXX WILL NOT STOP ME!!!!!!!!! 

According to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 and states : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX : The financial institution and the consumer reporting agencies XXXX and XXXX DO NOT have my consent, and they DO NOT have my written consent. Any and all consent to XXXX, XXXX or XXXX XXXX XXXX whether it is verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX NEVER informed me of my right to exercise my nondisclosure option. ALSO, 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting AGAIN WITHOUT MY permission, which is against the law. 15 USC 1684s-2 ( a ) ( 1 ) ( A ) states : 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. 15 USC 1681 ( e ) states : " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states : " A consumer may exercise the right to opt out at any time. " I AM OPTING OUT OF YOUR REPORTING SERVICES! ''
Product: Checking or savings account

XXXX XXXX opened a fraudulent joint account with my name at the Navy Federal Credit Union and had completed an ACH from XXXX XXXX to that account and withdrew the money and now that fraudulent account has a negative balance that will reflect on me. 

I never authorized or was apart of this account. I don't know this person, they stole my information.
Product: Credit card

I am writing to your agency in hopes that you can assist me to dispute some charges done on my Bank of America card by these fraudulent companies : XXXX and XXXX LLC. 
I got contacted by these companies by unsolicited telemarketing phone calls. I have paid these companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated XXXX XXXX company that I would like you to dispute the charges is XXXX they promised me to build me a website, do XXXX work, coaching. They said they would do all the marketing required to have a successful business. I never had any progress reports on marketing and no sales. Seemed vague as to what they were doing to push the website. The second company that I would like you to investigate the charges is XXXX.They said they would build me a new website, do all the marketing, increase my traffic and sales and google ranking. They promised me I would start making {$4000.00} profit per month after XXXX months. They vanished in XX/XX/XXXX, and when I wrote them an email to request to cancel they sent me a mass email that it seems like a scam email, stating that I owed them money that my monthlies {$99.00} are past due, and that I needed to make those payments. They did not provide the services and before my XXXX months were up they stopped answering my calls. I never made any money, and I never got any results from whatever they were doing. 
I realized I paid thousands of dollars for these companies. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with and get my refund but they ignored my requests.
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 that 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 express my extreme frustration and outrage at the unashamedly mishandling of my identity theft dispute by your bureau. It is unacceptable that despite providing clear evidence and following all necessary procedures, my legitimate concerns have been ignored and dismissed without proper investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The accounts listed on my credit report are a direct result of identity theft, a serious crime that has caused significant damage to my financial well-being and personal security. Yet, your bureau has chosen to overlook this fact and continues to report these fraudulent accounts, further exacerbating the harm done to me. 

I demand immediate action to rectify this egregious error and remove all unauthorized accounts from my credit report. Your failure to do so not only violates your legal obligations but also demonstrates a complete disregard for the rights and well-being of consumers like myself. 

Furthermore, I will not hesitate to take legal action against your bureau if this matter is not resolved swiftly and satisfactorily. I expect a prompt response acknowledging receipt of this complaint and outlining the steps you will take to address the situation.
Product: Debt collection

MDS has reported XXXX of my accounts to the Credit Bureaus even after I have made payments. I have been making weekly payments and have even paid XXXX of the XXXX accounts that I have with them. The rep told me that I have 30 days to pay this debt in full. She went to advise me that making payment arrangements does not prevent reporting. I think this is unfair especially when I am attempting to pay this debt.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE AN ERROR XXXX, XXXX MISSING INFORMATION. THIS ACCOUNT WAS NEVER VERIFIED ERROR FRCA 623 VIOLATION PLEASE DELETE UNRECOGNIZED ACCOUNT.S : XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/JCPENNEY had agreed to remove this entire credit off my credit report as long as I paid them In full which I have. The reason for this was due to the remarks as to why the account was closed which was a total misunderstanding on there part which is why they agreed to remove the entire thing all together. 

The card is saying opened XX/XX/XXXX and closed XX/XX/XXXX SYNCB/OLDNAVYDC I also have the same problem with as I have spoken to this bank about this and they said same thing they would remove entire file from credit report as long as I paid what I owed them as I have done. 

This card is saying opened XX/XX/XXXX and closed XXXX XXXX, XXXX. 

I am unsure as to why this bank closes people 's accounts when they have good credit scores. I just want them to honor what they said. We had spoken about this a few times myself and there customer service and supervisors.
Product: Credit reporting or other personal consumer reports

New York State child support put the account on my credit reports. The account was closed and terminated in XXXX  and is no longer accessible in their records. I gave Experian city documents showing the date the account was closed, as well as a recent letter from three child support office showing the account has been terminated. Experian has received these documents but still has the account as open and current on my report. They also refuse to remove the account even though I have a letter of termination and the cold support office said it should be removed from the report since they can't access it any longer either. I have been trying to get this removed for 3 years, since the account was closed and terminated. The information is incorrect, should not be on the report, and is hurting my ability to borrow or create a better financial situation for myself and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX PayPal hard inquiry. I didn't apply for it XX/XX/XXXX XXXX XXXX XXXX  hard inquiry not my account XX/XX/XXXX XXXX  hard inquiry not my account XX/XX/XXXX PayPal hard inquiry not my account
Product: Credit reporting or other personal consumer reports

I have had perfect payment history since XX/XX/XXXX, originally with XXXX and later with XXXX XXXX after my account was transferred in XX/XX/XXXX. During the transfer, there were several issues that took months to resolve. Now, XXXX has made an error regarding my XX/XX/XXXX payment, which has resulted in an incorrect late payment being reported to Experian. 
XXXX misapplied my XX/XX/XXXX payment. 
My XX/XX/XXXX payment covered both XXXX and XXXX, meaning I was never delinquent. 
I received no notification that the XXXX payment was not applied correctly. 
Experian denied my dispute in less than a day without conducting a proper investigation, violating FCRA 1681i. I was not allowed to resubmit the dispute or appeal the decision. 
This incorrect late payment is also affecting my co-signers credit, and my co-signer can not be removed from the loan until this issue is fixed. 
- XXXX is in violation of FCRA 1681s-2 ( a ) for furnishing inaccurate credit information. 
- Experian is in violation of FCRA 1681i by failing to conduct a reasonable investigation despite clear evidence that my payments were made on time. 
This false late payment is negatively impacting my credit score at a critical time. My family is in the process of moving, and this error is directly affecting our ability to secure housing. This mistake must be corrected immediately to prevent further harm. I am in the process of remedying other errors on my credit report as well that have been disputed in the past and negligently not removed in violation of FCRA 605 ( a ) ( 5 ), CARES Act, FCRA 1681s-2 ( a ), FCRA 1681s-2 ( a ) ( 1 ) ( B ), and FCRA 605 ( a ) ( 4 ). I expect all of these disputes to be properly investigated and the negative accounts removed from my report.
Product: Vehicle loan or lease

Purchased XXXX new snowmobiles in XXXX from Polaris ( same as cash ). XXXX is Capitol One. These snowmobiles have been paid off since XXXX, but they will not release the liens. They have admitted in their letters that I have satisfied the balance on your Capitol One account. I have submitted all the information I have about the original transaction over 6 times now. They will only accept via snail mail. No phone, email etc. My liens have not been released as requested. I sold the units and Buyer is going to file complaint against me because he can not get them titled in Michigan due to liens. Can you please ask someone from Capitol One to contact me to resolve this dilemma? This is so wrong in every way! Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB CARD Bank cards XXXX XXXX XXXX XXXX De XXXX XXXX filed an inquiry on my report that I did not authorize on XX/XX/2021 when I canceled my card. I did not give permission to have my credit pulled. I therefore closed the account and was told I had a XXXX balance. I later found out the marked me with a late payment through XXXX, XXXX, and XXXX. this informations is false. Please help.
Product: Prepaid card

I finally received the new card that was order over 6 days from XX/XX/XXXX to XX/XX/XXXX but then once I activated the card I was unable to see my balances on the card to track my spending Ive had online access the entire time now Ive been blocked it almost seems as if I was blocked due to me complaining to the CFPB this company continues to create more issue rather than solve them which is very frustrating.