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

XXXX XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. XXXX XXXX
Product: Credit card

My complaint is All my information is on the XXXX XXXX and they keep trying to get credit cards with Bank of America, who I called to put a stop to them getting a credit card with my good credit. 
I have put a freeze and I hope it was enough to stop whoever is trying. 
I feel Bank of America needs to expedite their response to assure me that my call way enough to stop the crook who has my information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX filed a response to my last dispute stating they have removed a bankruptcy from my credit report. Their response also indicates that it was removed due to exceeding the timeframe for verification. They are refusing to admit that the public information was never verified. I have proof of the continual lies. The bankruptcy is still showing on my credit report even after XXXX claimed they removed it. The response from XXXX states that bankruptcy is verified with the XXXX system. MORE LIES AND I HAVE PROOF!!! There is no bankruptcy listed under my name in the XXXX   system. This bankruptcy should be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : COMENITYXXXX XXXX Date Opened XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

JPMORGAN and Chase Bank. 

Repeatedly is unable to solve problem of recently discovered {$1200.00} USD thg that was siphoned from account last year. I just discovered this error while reviewing statement online with a JP Morgan Chase Customer Service representative approximately tw
o weeks ago. I am XXXX. 

They denied the claim, despite being FDIC insured. This is unacceptable. 

Please contact me as soon. As possible via email as I have no way to pay for even a phone bill due to their errors and mistakes. 

With Best Regards, XXXX XXXX XXXX EMAIL : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the removal of two judgments and four bankruptci es ( below )  on my Equifax and other reports due to  Civil Case No .  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ., v. Equifax Information  Service LLC .  I did not know the source of their information on those judgments and bankruptcies and due to this Equifax has violated the FCRA. Please remove these judgments and bankruptcies. They sent letter with  XXXX   XXXX  verifying and I contacted them on  XXXX  and stated it was not.     Judgment  XXXX  AND  XXXX  Bankruptcies  XXXX   XXXX   XXXX  and  XXXX
Product: Debt collection

original account number was charged in a Chapter XXXX bankruptcy in XXXX XXXX # XXXX, then again in XXXX XXXX # XXXX. Because it gets sold and put back on. Since I have had it removed from my XXXX credit report and working on the other XXXX agencies, now the debt collector has decided to contact me, and say I owe the money
Product: Debt collection

I disputed this account and it was removed off of my XXXX  report but XXXX and XXXX are still reporting this also Portfolio Recovery has this account in collections. Please help. This is the account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$13000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00}
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year>
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 protectors act. Specifically Cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Also There lack to comply with the EFTA and Regulation E Has Also Caused me significant inconvenience and financial loss I seek appropriate redress for these Violations
Product: Credit card

Hello, I had my credit card and cellphone ( same pin as credit ) stolen while out late in the city of XXXX. The thieves had full access to my cellphone, and they got my PIN after I typed it in at the bar. I reported this as soon as possible when I got home and got access to my XXXX. 

The thieves ran up several fraudulent charges, which were then reported to Robinhood that very same day, XX/XX/XXXX, I was able to lock my card manually. Robinhood thought the initial charges were fraud and blocked them correctly but approved them on the second attempt.

I submitted a police report and all the information I was asked to send by Robinhood. Then Robinhood violated my rights and federal law by refusing to protect my account from fraud and cover these charges. I asked for detailed reasoning, and they refused to provide it in their tech-support chat. I asked that they do a complete investigation, yet they claim to have done so in less than XXXX weeks. It says the claim was submitted on XX/XX/XXXX, and the investigation was completed on XX/XX/XXXX. 

I spoke with a member of the financial crimes unit of the XXXX Police Department who was shocked at this ; he instructed I continue to be persistent with XXXX, who has yet to explain the specific reasoning for the decision but also has given false reasons, for example, they wrongly claim that there was no additional charge after I locked the card, but this is not true. There was a charge at a XXXX for {$100.00} at XXXX PM on XXXX the XXXX. My card was locked within XXXX hours and I reported it promptly. I did everything in my power correctly. 

There was a delay in reporting, but this couldnt be the case when customers have 90 days to report. XXXX was reported to the firm asap within XXXX days, and the first couple of days, I was changing the passwords to all of my accounts because since they had access to my phone login PIN, they had access to my iPhones saved passwords and notes app list. I was also getting a new cellphone from XXXX and went through XXXX process of reporting the phone stolen so that they could lock the device and block it from being activated in the future. 

They talk about transaction history, but only XXXX of those stores had any transaction history, and that was a big box retailer, XXXX. But the thieves hit multiple targets, including ones I didn't have purchase history with. The other charges take place all over the city, but mainly on the south side, which again is a place I have no long history visiting or any purchase history from. 


They say there was not enough information given. Yet, I provided an entire police report, screenshots from my email of the finding my XXXX and it being removed, and the fact that I had to order a replacement phone and report the other phone stolen on the same date I locked my cards.
Product: Mortgage

Around XX/XX/year>, we noticed that we were being charged extra for our mortgage insurance, resulting in an escrow shortage.

We contacted Shellpoint Mortgage Servicing ( Shellpoint ) on XX/XX/year>, and spoke with XXXX XXXX. She informed us that our insurance company, XXXX XXXX XXXX XXXX XXXX ( XXXX ), had captured those extra funds and that we would need to contact them for a refund. 

A call to XXXX XXXX, XXXX XXXX XXXX for XXXX, confirmed that they did receive overpayments from Shellpoint and that a refund was due to us. XXXX advised that they could not refund directly to Shellpoint ; instead, once we received the funds, we would need to send them directly to Shellpoint to replenish the escrow account. 

On XX/XX/year>, we received a refund check from XXXX in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We then forwarded those funds to Shellpoint to replenish our escrow shortage.

To date, Shellpoint has not adjusted our payment correctly, causing our company financial harm by overcharging us about XXXX XXXX dollars per month. There is still an overcharge of {$2100.00} for the insurance premium billed. We have made additional escrow payments totaling {$12000.00} and returned {$10000.00} from XXXX to Shellpoint. In total, {$22000.00} has been paid to escrow over the last XXXX months. Despite this, we continue to be overcharged.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. 
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 
Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Additionally, this letter serves as a formal cease and desist against any further collection activity related to this account. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Checking or savings account

I received a settlement check for {$7000.00} and couldn't cash it because I didn't have a picture id at the time so my friend deposited in to his account with Chase and the bank put a restriction on his account because they needed to get in contact with me but their system will not allow them to call if the number doesn't come back registered in my name. After ten days the check cleared and they closed his account but we did t get any information on what happened to the check. I'm having some housing issues and need these funds to put a roof over my head and so I was counting on this check. My name is XXXX XXXX, the check number is XXXX, the control number is XXXX, the amount is {$7000.00}. I also have a copy of the cleared check emailed to me from the settlement advisors that the bank Chase sent to them. Please help me with this issue thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute with EXPERIAN on around XX/XX/XXXX in regards to some late payments on my student loans back in XXXX. On XX/XX/XXXX, I received an email from EXPERIAN stating my dispute was complete. When i try reviewing my dispute final desicion on their website it gives no information on what was the update on the dispute. On XX/XX/XXXX, I call EXPERIAN directely to get an answer and all they said was for me to contact XXXX. If experian would have done their job and contacted XXXX like they were supposed to do, they would of found out that I was never late on XX/XX/XXXX ; I was on a FORBEARANCE at the time in question. Also, EXPERIAN is reporting incorrect information on my EXPERIAN report. They are stating that on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX my account was ON-TIME and than on XX/XX/XXXX my account was 90 days LATE. Which makes absolutely no sence as how can i be 90 days late in XX/XX/XXXX and be on time on XXXX, XXXX & XX/XX/XXXX. Enclosed, please find my account statement from XXXX were it very clearly states I WAS ON A FORBEARANCE meaning I couldn't be late in XXXX, nor XXXX nor XX/XX/XXXX like EXPERIAN report is stating. I will like my report to be updated immediately reflecting correct account information.
Product: Checking or savings account

I requested a {$400.00} check be sent via Wells Fargo 's bill pay service to my Doctor 's office to pay down my account on XX/XX/2023. The check was sent on XX/XX/2023. XX/XX/2023, I contacted my Dr 's office as they were supposed to have received the check on XX/XX/XXXX and I wanted to make sure it had been received and I found out it had the wrong address listed. At that point I contacted Wells Fargo and requested the check be canceled and a new one issued to the correct address. Later that day I received notification that they wouldn't cancel the check because it had ben cashed that day. I requested and received the proof of payment with the copy of the canceled check. The endorsee on the check is clearly identified as a company other than the doctor 's office the check was made out to supporting that the check was fraudulently cashed. The same day I submitted a claim that the check had been sent to the wrong address and that it had been fraudulently cashed. They denied the claim on XX/XX/2023 because they hadn't made an error when they sent out the check, disregarding the fact that I wasn't saying an error had been made on their part but that the check had been fraudulently cashed. 

I tried XXXXwo more times, on XX/XX/XXXX and XX/XX/XXXX, trying to clarify the information each time but I always got the same response. They didn't make a mistake in sending it out so they won't do anything. Even though the check was fraudulently cashed by XXXX XXXX XXXX. I did try to reach out to them to try and get my money back that way, but they kept asking where I was a patient at and couldn't process the fact that I wasn't a patient with them and they fraudulently cashed a check not made out to them.
Product: Credit card or prepaid card

On XX/XX/2021 Bluebird American Express allowed to fraudulent charges to process on my account in the amount of {$1300.00} and {$880.00} and they refuse to refund my money. I received an email that charges were attempting on my account and that I added someone to my account and to contact them if that was an error. I contacted the company but they still allowed the charges to proceed. It seems like an internal theft, because typically this card puts a hold on your account until you call in and confirm the charge but for these charges they allowed them to process. I have requested the documents they used to make the determination not to refund my {$2300.00} but this is theft. I am behind on bills and this has hurt me and my kids. Please help.
Product: Debt collection

This Collections Should be disputes for my credit report. 
This 3r party takes advantages about the situation, There are all Medical Bills Affect my credit score. 
Those bills already take care with my insurance Company. 
Please i need this disputed this Collection bill as soon as possible Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is an account listed as XXXX on my credit report that does not belong to me. It is violating my consumer right to accurate reporting. Equifax is the only bureau reporting this unknown account. In addition the information listed on the account does not match my address or personal identifying information. Ive asked Equifax to validate the account by providing documentation for which that have not. Ive filed a FTC claim in XX/XX/XXXX that the company ignored. In addition, I filed a police report in XXXX ( attached ) regarding fraud and accounts that do not belong to me being on my report. In a currently open claim regarding a vehicle company ( carmax ) that was also included in the FTC report and police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

We all know the this pandemic got more then half of the country on unemployment and there is a XXXX going on. Even though the crisis going on I was trying to still keep up with my payments the account was closed
Product: Debt collection

Pioneer Recovery Services- my student loan went on to default status. Within 2 days of default, Pioneer Recovery services made calls to multiple people that I may know ... my spouse, multiple in-laws, my parents, my friends, my office landlord, ... .. many, many, many people, multiple times per person. They already had my address and phone number- because they verified with these people, yet they repeatedly called my friends and family members. They are not supposed to let them know that they are a debt collection agency, however, they told everyone that they were " recovery services '' I know that they were offering me " student debt rehabilitation '' however, they will not send me any information about it- they demanded that I give them my financial information over the phone- will not give me any time to read the terms- had me on the phone for 40 minutes-
Product: Checking or savings account

I opened an Upgrade Performance Savings and Rewards Checking Plus account in XX/XX/XXXX. I deposited money into the XXXX XXXX account. In XX/XX/XXXX, I tried to withdraw my money via wire to an external bank account. I called the company to check and they said the first wire is free. The did the wire online. The following day, an Upgrade representative called me to verify the wire. I provided my details and they said they successfully approved me and the wire. The day after that, I woke up to all my Upgrade accounts " suspended '' and I was unable to access my funds at all. On the account, it says " Your deposit account ( s ) are suspended. Please call us at ( XXXX ) XXXX for more information. ''. I called the number twice in the following week, and both times the rep on the phone said they had no visibility into the situation and no details as to why my account was suspended, and I just had to wait for an email. It is now XX/XX/XXXX and no email has arrived and the reps on the phone have no further information. I am at an absolute loss and have no way of accessing this money or getting an explanation.
Product: Credit reporting or other personal consumer reports

I have disputed an accuracy that violate 15 USC 1681.Eb among others band I've sent in detailed reports and credit reports that show the inaccuracies and experion Still refuses to correct The?

Se even though the other bureau has It completely off of my reporthere is Name discrepancies, and this has hindered me on getting business financing along with re.Establishing myself as a business owner request that the CFPB require experion to :
Product: Credit reporting, credit repair services, or other personal consumer reports

Fifth Third Bank is in violation of the following sections of 15 U.S.C. 1681 : 1 ) 1681a 2 ) 1681b 3 ) 1681c 4 ) 1681e 5 ) 1681i On XX/XX/2018, Fifth Third Bank made an unauthorized hard inquiry on my credit for the purpose of auto financing. During this time, I was deployed overseas and did not authorize anyone to make inquiries on my credit. I was unable to find the information needed to formally send a letter to Fifth Third Bank to dispute these inquiries. However, the inquiry made by Fifth Third Bank, along with others by other corporations during this time, significantly and negatively impacted my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a recent data breach and am requesting that the following accounts be blocked and deleted from my credit report as required by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : 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
Product: Credit card or prepaid card

I signed up for an XXXX XXXX card, serviced by Synchrony Bank. I elected to receive electronic statements, and did not see my XXXX statement -- I did not make any XXXX purchases so I had no reason to suspect I had a balance ( I paid off my XXXX balance in full ). The XXXX balance was because of the annual XXXX XXXX fee, certainly a valid charge. 

My complaint is about the electronic statement they sent for XXXX ( which did include new purchases ) and receive XX/XX/XXXX. ( see attached ). No where does it mention ( 1 ) that the account is past due, as of XX/XX/XXXX, and ( 2 ) ~ {$30.00} of the balance is because of late fees/interest charges. I only became aware the account was past due via email message on XX/XX/XXXX and by text message on XX/XX/XXXX. 

I find this incredibly deceptive. I do note however that customer service agreed to reverse the late fee and interest charges on XX/XX/XXXX after I complained their practices were deceptive.
Product: Debt collection

I revived a letter from : Southwest Credit Systems XXXX XXXX XXXX XXXX XXXX, TX XXXX stating that I had a balance due to XXXX. This was news to me since I have n't had a XXXX XXXX account in 4 years. 

I wrote a letter asking them to validate the debt with no response. 

I then discovered they have reported me to XXXX credit reporting agencies and my scores have dropped XXXX-XXXX points. 

I do n't know these people and I have since sent a second letter with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated that my account was properly investigated but how is that possible if many things are inaccurate on the accounts such as the date last verified inaccurate, date of last activity inaccurate, date last reported inaccurate, date opened inaccurate, closed date inaccurate, last payment inaccurate, term length inaccurate, payment history inaccurate for accounts XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX. This ground for removal. They also violated my rights under XXXX XXXX 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 Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX