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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Inquiry : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX & XXXX XXXX XXXX XX/XX/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has never responded to why my information was given to another collection company without consent as well as the collection company XXXX has failed to hold my personal information safe. Since XXXX XX/XX/XXXX2024 my information with my name and social security number has been affected. XXXX has never explained to me how this would be legal. Mind you that this has been past timely matter.
Product: Credit card or prepaid card

Subject : 7-10 business days waiting period for credit availability after payment has been debited in the checking account. RIDICULOUS!!!! 
1 ) paid {$1500.00} to barclaycard credit card on XX/XX/2018 ; money was debited on the bank on XX/XX/2018. 
2 ) supervisor of the credit card promised to make credit available on XX/XX/2018 XXXX ( EST ) but did not happen. 
3 ) i have been with this card for the last three years. not even one miss in ANY OF my payments. and i have used this bank account for payment before. 
4 ) called customer representative and keep telling me that i should wait. they are even refusing to give me the names of the representative and supervisors name ; called XX/XX/2018 XXXX XXXX ( EST ) and XX/XX/2018 XXXX XXXX ( PST ) 5 ) in my history of payments in this particular card, i have always paid in bulk or in a large sums of money. and yet they would not even take that into considerations 6 ) PLEASE HELP ME.
Product: Debt collection

Tate and Kirlin Associates , Inc has been contacting me via phone and mail to collect debt for XXXX XXXX ( original creditor ) and XXXX XXXX XXXX ( current creditor ) in the amount of {$72.00}. Ive never purchased anything from the original or current creditor. Ive asked Tate and Kirlin to stop contacting me but the continue to request payment. The debt they are attempting to collect is for XXXX XXXX. While my maiden name is XXXX, I have not used this name in 19 years. 

Letter Reference Number : 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 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 Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redness for these violations.
Product: Credit reporting or other personal consumer reports

According to the response I received from a previous dispute regarding account : XXXX XXXX XXXX XXXX XXXX, it was not clear on the information that was requested from the reinvestigation.15 USC 1681I ( a ) ( 6 ) ( B ) ( iii ) ; ( iii ) a notice that, if requested by theconsumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to theconsumerby the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. This account was found to be inaccurate and unverifiable, therefore violating my consumer rights. It was removed from the other agencies, and I demand that Equifax also do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a complaint ID XXXX and received a response from Equifax that the item is not reporting, which it is. Also they have failed to respond to previous disputes within the 30 days time allowed by law. See attached docs
Product: Mortgage

For the record midland /Midfirst bank states that I paid {$15000.00} They also claimed to be servicing a {$33000.00} XXXX VA loan on XXXX XXXX XXXX. 
All of the 360 payments of principal interest were paid. Taxes were disbursed through XX/XX/XXXX and insurance through XX/XX/XXXX. The loan was paid off XX/XX/XXXX with a final payment of {$3400.00} with {$1600.00} escrow that was not returned to me. I want it known that approximately {$130000.00} was paid to this mortgage. It was never refinanced. I never had a second mortgage on this property. There was no security interest in any other property.
Product: Bank account or service

I recently filled out the required forms to transfer IRA CD 's from Discover Bank to a different bank. The instructions that were sent to Discover Bank instructed them to perform these transactions " at maturity ''. They liquidated the accounts immediately ( XXXX XXXX, 2015 ) and an early termination penalty was charged. Since that time I have called Discover multiple times and the fiasco is still not resolved. This is after working multiple days with a supervisor, XXXX, at XXXX. Discover Bank has VERY POOR customer service and does not properly train and supervise their employees. Thanks for nothing XXXX for your association with Discover Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX  have consistently abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA
Product: Credit reporting

XXXX XXXX XXXX erroneously reported a debt with XXXX XXXX XXXX for {$830.00}. I have never had a loan nor received any money from this company. This has adversely effected my credit. I want this removed from my Trans Union and XXXX credit reports as soon as possible. Furthermore, I 've never received any correspondence that would have given me the opportunity to dispute the debt.
Product: Credit reporting or other personal consumer reports

My XXXX loan balance has been XXXX since XX/XX/2023 ; and reported as XXXX since XX/XX/2023. The other credit reporting agencies have updated and has reported correctly for months. Trans Union, however has refused to update the balance and status of this account accordingly. Despite, being notified of status from the original creditor/ company months ago. This caused me to get denied for my home loan at the end of XXXX, because the lender used information from all the XXXX major bureaus ; and Trans Union was reporting the information incorrectly. This was purposefully not updated, and TranUnion continues to report misleading and incorrect information on my report ; even though the creditor is not reported or supplied Trans Union with any updates or information on my account since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the evening of XX/XX/XXXX, after working late, I opened a Credit Disclosure Statement from Informative Research stating that I had applied for a mortgage. The address used was the address I had previously lived at in XXXX of XXXX. I was unable to contact the lender, XXXX XXXX, XXXX as it was the weekend and Monday was a holiday. I believed that somebody stole my identity, so I immediately put a freeze with Fraud Alerts at all three credit reporting agencies and called and locked down all of my credit cards. On Monday, I called and left a message with XXXX XXXX ( Mortgage ) to call me back and then called my bank and told them as well. I have also obtained a police report and have a special password should I be pulled over. 
About three days ago, I went through an old credit report and noticed that XXXX XXXX was on there as well and it reminded me that one of my colleagues XXXX XXXX XXXX was trying to help me find a place to live as I was going through a divorce and losing my house. That was over a year ago! I finally was able to contact her last night and she gave me the information to her old boss, XXXX XXXX XXXX, from XXXX XXXX XXXX XXXX XXXX I called him this morning and he checked the database and told me the last four of my SSN and my old address. Then he said he needed to get some emails off to corporate and got off the phone real quick. 
Just a bit ago, an real estate agent from his office called me ( caller ID says XXXX XXXX - XXXX ) she pulled my credit " by accident. '' She apologized but was laughing and said my credit looks great. I am very upset and have been under a lot of stress and worry this last 21 days as I believed somebody had my information and was using it nefariously. Shouldn't they have archived or destroyed my information 90 days after permission was given to use it?
Product: Checking or savings account

My CapitalOne account suddenly closed and they didnt tell me the reason. Customer service said they would send my money to my account address as a check, but nothing has arrived for XXXX months. 

I called customer service again and asked when the check would arrive, they told me there was no time limit. 

When I asked them how there was no time limit, that is, could it be that the check did not arrive even after XXXX years, they said yes.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. UNKNOWN - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts/ inaccurate information reflecting on my credit file. These accounts do not belong to me and was not authorized neither do I have any knowledge of. I am a victom of identity theft and am requesting that these accounts be removed immediately. XXXX XXXX  XXXX  ACCOUNT XXXX, XXXX, XXXX, XXXX, XXXX. Thank you
Product: Money transfer, virtual currency, or money service

The Hermes Bitcoin machine at the XXXX XXXX XXXX at XXXX and XXXX XXXX is unable to assist me the process as to tracking where and why the Bitcoin wallet did not receive the XXXX, transaction made the day prior to XXXX 2022. 
I have the receipt for the transaction nothing went to the wallet as it was supposed to
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my XXXX  credit report that I did not authorize. Starting from XX/XX/2021 till now, which is XXXX XXXX. I have called numerous time and I have sent letters out regarding this issue, and it still hasnt been resolved. This is affecting my life really badly because I am unable to buy a home or do what I need to do. I went to the credit union yesterday to see about a personal loan and they analyzed my credit report. They claimed that I requested for a car loan in the amount {$17000.00}, which I did not do, They also claimed that I requested it three times in one week. I also noticed that there were two collections on my credit report, in which they were paid. XXXX claimed they removed it from my credit report, but it is still showing on my report. I have attached proof of the letters that I sent out. If you need any other proof, please request it. I have disputed these things multiple times and no one has taken it off. Please help me resolve this issue.
Product: Credit reporting or other personal consumer reports

I filed complaints about false information appearing on my credit report with XXXX, Equifax, and XXXX. I informed them of the infractions they were committing on my consumer report and provided a list of the accounts. They haven't responded in more than 60 days. Copies of every letter sent are attached below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting or other personal consumer reports

Subject : Verification of Debt, Dispute of Inaccurate Debt -Do Not Owe, and Reporting Against FCRA Guidelines After Validated as Accurate I am writing to formally dispute the debt listed on my account with Merchants XXXX XXXX account # XXXX, as I do not owe this amount and consider the information provided to be inaccurate. Under the Fair Medical Billing Act all billing is to be sent to the insurance within 6 months from the date of discharge. Also under the Fair Medical Billing Act it states the XXXX patients are not to be billed for any remainder of a bill. This bill was never sent to XXXX nor billed to myself within the proper time. My medical insurance was on file which is what the actual hospital billed. I didn't even know of this bill until I noticed it on my credit report as the collections account ( over 6 months ). FCRA 605 and FCRA 607. Under the Fair Medical Billing Act if the billing guidelines are not followed the patient is not the responsible party. It is the duty of the medical creditor to write off the bill. The patient is in no reason to be held liable for the bill. Also, XXXX patients are not to be billed for a remainder of any bill. This bill has already been sent to XXXX by XXXX XXXX XXXX and was refused by XXXX due to failed to follow billing procedures. 
This bill is also being inaccurately reported. It is being reported as a collections account that is open, past due, and the status update is being updated every month as a collection making these collections as recent collections within the last 30 days. This is severely hurting my XXXX XXXX. XXXX XXXX CODE XXXX. 
Please provide me with written verification of this debt ( itemized bill ), the date this was first billed to XXXX, the reason with date XXXX refused to pay, and detailed documentation supporting the claim that I owe this money, as required by the Fair Debt Collection Practices Act ( FDCPA ) and where under the FCRA the status being reported is correct. FCRA XXXX and FCRA XXXX. 
Also, XXXX has already deleted this account for being inaccurate this should have been relayed to the other credit bureaus a Violation of FCRA XXXX. 
Please contact me at XXXX or XXXX if you need any further information regarding this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL, XXXX DOB XX/XX/year>
Product: Checking or savings account

On XXXX, I found that there was fraudulent activity on my account. I immediately reported it. 

Bank of America claims to have investigated and returned a decision that they were not going to fulfill their obligations of protection that they had agreed to. I reopen the case and once again they made a unilateral decision to not refund my money. 

I have received multiple instances of letters being sent to me by various companies that my card information has been leaked. I have much proof that my information has been compromised to include my addresses for the last 10 years due to department of defense hacking. 

I am a XXXX veteran living off of my XXXX and a single mom. This has caused me great financial hardship and Bank of America has told me that they refuse to look at this again. 

I have asked to escalate to a manager and was told that they would not allow me to continue asking for support and that their decision was final, even though I was never presented an opportunity to give any sort of evidence. I have asked multiple times what they need from me in order to support the resolution of this claim and they have refused to give me a way to prove that this was fraudulent. I have asked to escalate to a manager and was told that they would not allow me to continue asking for support and that their decision was final, even though I was never presented an opportunity to give any sort of evidence. I have asked multiple times what they need from me in order to support the resolution of this claim and they have refused to give me a way to prove that this was fraudulent. My last conversation on XXXX ended with the representative telling me that there was nothing I could do and that I should just seek legal counsel. This is not an option for me, I do not have the monetary means to pursue this. This is what Bank of America is counting on. 

I am asking that those with limited money also be honored just as much as those with thousands in their account.
Product: Debt collection

I recently applied for a home loan and I was denied because there were several medical collection debts on my credit reports. Based on the information on the credit reports provided to me I sent Merchants Credit Guide Company a validation letter on XX/XX/2021. The company failed to validate my debt instead they sent me a list of my medical records which I know is a direct violation of my HIPAA rights and regulations. I have never signed a HIPPA form authorizing Merchants Credit Guide to have access to my medical records. In addition, I was never offered the opportunity nor did I receive any letters, emails or telephone calls to dispute the debt before it was reported to the credit bureau. Please delete this information from my credit reports and cease all collection activities immediately. I truly appreciate any assistance you can offer me to stop this agency from continuing to violate my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently financed a new vehicle and was aware of the companies that would pull my credit report. However there are multiple companies that have hard inquiries on my credit report without my authorization and refused to remove the inquires please see list below : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX   XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX   XXXX XXXX XXXX XXXX

Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX CHASE AUTO Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX There are multiple companies that have hard inquiries on my credit report without my authorization and refused to remove the inquires please see list below : XXXX XXXX   XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX   XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX
Product: Mortgage

Wells Fargo illegally foreclosed on our house. Did not follow proper procedures. Did not fix. Cost us reinstatement funds. Caused credit issues and could not refinance. Then they sold our Mortcage to another company costing us even more money.
Product: Checking or savings account

I hope this letter finds you well. I am writing to express my dissatisfaction and concern regarding unauthorized charges made to my account by XXXX. My name is [ Your Name ], and my account is associated with the following details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently discovered that a total of {$760.00} has been deducted from my account without my authorization. I have never used Clover 's services, and I explicitly agreed to an arrangement that stated no charges would be incurred if I did not utilize the service. Despite this agreement, I was charged {$22.00} monthly for a period of 18 months, along with an additional unauthorized annual fee of {$99.00}, totaling {$760.00}. 
I am extremely disappointed and frustrated with this situation, as I had trusted Clover to honor our agreement. To make matters worse, my attempts to contact customer service were in vain. I spent nearly an hour waiting on hold, but no one answered my call. Frustrated and left with no other option, I had to take the drastic step of blocking my account to prevent further unauthorized charges.