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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Capital One Account type - Credit card Date opened - XX/XX/year>XXXX  Above Account created under Capital One without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Transunion all show alternate information and incorrect reporting for matters corrected by creditors. 

I have sent several mailed in requests months and months ago to remove incorrect information like other peoples names from my credit profile. 

they continue to add erroneous information regarding the XXXX resolved case- they added 4 years of charge off CO when it was previously ND XXXX XXXX has provided them reporting that account is closed and paid and never late and though i returned the car to XXXX for being recalled for a safety issue it still appears as voluntarily reposted or surrendered. this is not correct they refuse to correct the name versions on my report and do not report the positive and paid off accounts in good standing. 

all three agencies must be in sync as the XXXX caused major issues if a bank only uses on company. 

please let me know how we can speak to someone to correct these issue it is affecting my credit and this is specifically done to people of XXXX and affects us in making purchases and obtaining credit!
Product: Debt collection

I have contacted XXXX XXXX on numerous occasion to advise 3 collection accounts which they are reporting on my credit are fraud. I have requested original contracts and yet to provide they just validate debt without proof. When I spoke to them on the phone and asked for open dates they claim accounts where opened over 3 yrs ago yet they show on credit bureaus as 18 months ago reaging fraudulent debt. One of the debts was previously removed due to fraud and resisted. Another creditor XXXX XXXX has already acknowledged fraud and acctount not opened on my behalf.
Product: Prepaid card

There was an unauthorized transaction on my prepaid XXXX card from a company somewhere XXXX. I called the day I found out and cancelled the card. The csr told me she would email documentation that I had to fill out and email back. I did n't receive it and what turned into XXXX csr 's and a supervisor later I still have yet to receive this mysterious documentation. It 's not a large amount but I am a single working parent trying to support my child. It wo n't break their bank it broke mine. A company in XXXX was also trying to make a withdrawal but I cancelled the card just in time.
Product: Checking or savings account

In four days it will be a month since I started a claim with Bank of America, due to PUA, EDD, payments that were granted to myself as a means to provide for my family. Highlighted in yellow on bank statements retrieved from my prepaid, Bank of America, online account site. The ACH transformer for {$1600.00} is one of two claims that I filed on XXXX XXXX. The second claim for {$300.00} was credited to my account on XXXX XXXX. Also highlighted in yellow are new claims totaling to the amount of XXXX that I discovered when uploading documents with this current statement. I am including my phone records showing the multiple calls Ive had/made in order to resolve this matter and proof of Bank of Americas one, minor attempt to only speak with me on the matter which was made after filing first complaint with CFPB. Thank You
Product: Bank account or service

Attached please find copies of old CD that TD bank refuses to pay. 
According to the record " required distribution is XX/XX/XXXX '' I moved at the time XX/XX/XXXX and now discovered CD statement are not forwarded but sent back to the bank. I lost track of them until I cleanned out my safty deposit box the bank refuses to pay me when i went to withdraw
Product: Checking or savings account

The hold was placed on my checking acct on X/XX/17. My fiance had his corporation who handles military unused medical and part of his bonus. He made 2 deposits of {$6700.00} and 1 deposit of {$7700.00}.
My paycheck was deposited on Friday which was {$190.00}. And this past Friday it was {$310.00}. There is going to, be 2 more direct deposits ... .my paycheck on Friday and sad on the 3rd.
Its .my understanding that the investigator have 9. Days to complete their investigation. As soon as my fiance comes here, he will be added to the account. Bank of America placed a - {$880000.00} on both checking and savings. But have credited the 2 direct deposits and the 3 transfer but the female investigator who is doing this investigation will not get on the phone The 2 corporations that did the transfers have tried calling BOA to confirm they did indeed do the deposits.
I need to feed my child, get my medications., pay my bills and start my life in Arizona . I can be reached at XXXX or XXXXXXXXXXXX Thank you, 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 ( CFPA ). Specifically, Cash App failed to ta timely and effective measures to prevent address fraud on their platform, leaving m account vulnerable and unprotected.

Furthermore, their dispute resolution proc 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 an financial loss, and I seek appropriate redrDirection monies.
Product: Consumer Loan

I WAS OUT OF WORK DUE TO XXXX. SO I GOT BEHIND ON MY PAYMENTS. I HAD EXPLAINED TO THEM ABOUT THE SITUATION. I JUST STARTED BACK WORK, HAD TO GET A CAR, SO MY FRIEND GOT THE CAR FOR ME. ONE DAY SOMEONE FROM CREDIT CENTRAL CAME BY THE HOUSE AND SAW THE CAR PEOPLE TAG ON THE CAR. THEY CALLED THE PLACE WHERE I GOT THE CAR AND TOLD THEM EVERYTHING ABOUT MY ACCOUNT WITH THEM
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Charge Off 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
Product: Checking or savings account

On XX/XX/2024, I advised CashApp of fraudulent charges on my sponsors ( my minor son ) card from XXXX. The charges depleted my sponsors cash balance and no representative could provide me any information about the transaction besides the name of the merchant ( XXXX ). I submitted a dispute for the unauthorized charges. I subsequently received an email to verify my identity. When I clicked the link, it gave an message We couldn't verify your identity after potentially fraudulent activity occurred. ( Please see attached ). I then received a notice that my claims for the fraudulent transactions were denied because I did not verify my identity and I violated CashApps terms of service but my identity has already been verified through cash app and the link that was provided did not allow for any information to be entered. CashApp has allowed my funds that are supposed to be protected by the FDIC to be stolen, did not investigate the issue that allowed this to occur nor has refunded the money that was stolen from the account. When I called to ask for the method of investigation for the fraudulent charges, no one has provided any information. I was told that my account violated their terms of service. When asked what term was violated, not XXXX representative could advise me. I am who was violated as the consumer that was stolen from when my funds were supposed to have been protected by their system.
Product: Checking or savings account

in Fall, XXXX, I was mailed an offer by Chase. It said I would receive a {$300.00} bonus for opening up a checking account with them, and meeting other criteria, by XX/XX/XXXX. The offer also included an additional {$300.00} bonus, for {$600.00} total, if I also opened a savings account and met other criteria. 

I created both the checking and savings accounts with Chase on XX/XX/XXXX, immediately funding both of them with a total of {$15000.00} in deposits, per the required criteria. I also set up direct deposit from my employer to the checking account, and direct deposits were made to the checking account on XX/XX/XXXX and XX/XX/XXXX. 

Per the offer ( see attachment ), the first {$300.00} bonus should have been deposited into my account within 10 business days of XX/XX/XXXX, but wasn't. I called Chase 's customer service line about the omission, as well as returning to the branch where I set the accounts up to follow-up, but Chase is refusing to pay me the bonus. 

Per the offer, the bonuses are not available to checking & savings customers who have closed those accounts within the last 90 days, but Chase is explaining that they are refusing to pay me the first bonus because I closed checking & savings accounts with them within THE LAST TWO YEARS. They have also indicated that they will not deposit the second {$300.00} bonus when it is due this week ( XX/XX/XXXX ) for the same reason. I have no idea why they are trying to renege on their offer, but I certainly would not have set the accounts if this alleged two-year-rule were included in the offer, rather than the 90-day-rule which was included.
Product: Debt collection

On XXXX/XXXX/XXXX I contacted PRA to discuss the status of XXXX accounts that are in currently in dispute, accounts ending in XXXX and XXXX. Initially my phone call was received after automatically stating that the phone call " was an attempt to collect a debt '' even though these alleged debts are actively in dispute, and are not to be collected on while being in dispute. 

Next, my phone call was transferred to and answered by the " Litigation Department, '' in yet another attempt to collect these debts, a technique they have already been cited for and fined for by the CFPB for back in XXXX through the CFPB-PRA Consent Order of XXXX.
Product: Money transfer, virtual currency, or money service

on XXXX/XXXX/XXXX we were asked by the father of a ( supposed ) exchange student to send a money order in the amount of {$1400.00} to his Bank of America Account : account number XXXX in the name of XXXX XXXX. He had given us a bad check for {$3800.00} and had asked us to use his money to buy his daughter a car. Our XXXX bank had said that the check had cleared but it had not. It was a scam to get us to send him our money. We filed a police report # XXXX. Bank of America froze XXXX 's checking account due to fraud and have not returned our money. XXXX also requested that we send a XXXX XXXX XXXX to XXXX in the amount of {$500.00}. I did that. So now Bank of America can reimburse us for the amount of {$1900.00} because his account is frozen due to fraud. Bank of America refuses to talk to us because it involves XXXX 's account and not ours.
Product: Student loan

I am seeking loan forgiveness within the PSLF program.I filed over 100 days ago now and counting. I have well over 15 years of eligible payments and Mohela, who now owns my consolidated loans, is non responsive and slow to evaluate my request. It has taken 3 months just to verify my employment was eligible, something that literally takes 5 minutes online. They are now taking months to evaluate eligible payments, something that again I as the customer can do online within 15-20 min. Mohela has given no timelines for resolution, only that it takes up to 90 days which they have exceeded. It is impossible to get someone on the phone, with call wait times now over 2 hours with the new federal forgiveness program being implemented soon. Mohela clearly cant keep up with the volume of calls, and now I am concerned that my request will just get pushed aside with all the new requests coming in for forgiveness this month. I just want this to be completed in a timely manner.
Product: Debt collection

A Debt Company LVNV place wronge debt on my credit. XXXX also changed dates of accounts closed XXXX amounts owed. I'm very sure this is against the laws XXXX the consumer fair act amount other lawys. Of the United States of America. Also these where charge off accounts XXXX never received any XXXX XXXX Also I never recall in giving any authority or have I sign anything to the financial institution oXXXX XXXX XXXX the original creators Authority to sell or give any consent to a XXXX XXXX party to sell or collect or use my personal info account XXXX or any other information about me. To this company in no regards what's so ever. I want to file a report due to this matter. Will bring legal action if needed. P.s I will also file a complaint with the FTC. I will say say this should not be happening to good Americans XXXX citizens of this great nation. Attention plz advise I was also involved in several data breaches which I'm very concerned XXXX now that all my personal info is on the dark web. And other data breaches as well. Thank you so much in assisting me in this matter XXXX incident/ legal issues. Sincerely XXXX XXXX.
Product: Checking or savings account

On XXXX XXXX, 2024, USAA, withdrew {$40.00}, dollars, from my checking account, from XXXX XXXX XXXX, l. I did not ask USAA, to make such a withdrawal. XXXX XXXX XXXX, provided this Reference Number for reference # XXXX. USAA, informed me they did not make this request, I believe this is a continuation of a ongoing problem with someone manipulating my banking account with USAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX never gave any Consumer written consent to report or furnish my Bankruptcy public records. No consent is identity theft. A Consumer has a right to privacy. 

In accordance with the fair credit reporting Public record XXXX XXXXXXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Account Info Reference Number XXXX has Violated my rights. 


15 U.S.C 168 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my consent. 

The Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up related to CFPB complaint  XXXX . On  XX/XX/XXXX , I filed a dispute with TransUnion to remove an illegal tradeline on my credit report. I provided written evidence from the credit or ( information furnisher )  stating that the account can not be validated. The creditor is unable to verify the information and therefore continued reporting of it is a violation of FCRA statut e 623. Ho wever, they are refusing to remove the information claiming tribal sovereign immunity in an attempt to hold my credit re port hostage and ext ort money from me. I included a copy of this letter from the creditor in my dispute with TransUnion. Less than 48 hours later, TransUnion closed my dispute stating that they verified the account and therefore refused to remove it. This is absolutely not possible as evidenced by the attached letter from the creditor stating they themselves can not verify the account. In response, I opened  XXXX  with the CFPB.     TransUnion responded to the CFPB complaint again stating " We have reviewed your complaint along with the information you previously provided regarding this issue. On  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX , we initiated an investigation into the accuracy of  XXXX   XXXX   XXXX . In response to the investigations, the disputed information was verified or updated accordingly ''. This statement was followed by a parroting of the incorrect and unverifiable information from my TransUnion report. Please review the attached letter from   XXXX   XXXX   XXXX    . It clearly states that they are unable to verify the account in question. How is it possible that TransUnion claims they verified it? Also, by their own admission in this statement, they allege verifying this account on  XXXX  in response to the complaint, however the complaint was n't even opened until nearly a week later. They clearly did not perform any investigation from the CFPB complaint.     TransUnion is in violation of the FCRA in that they are purporting to perform investigations and verifications that they are clearly not doing. Further, they are knowingly and willingly continuing to report negative information that has been proven unverifiable.     According to the Fair Credit Reporting Act, information that can not be verified must be removed from credit reporting. TransUnion is in willful non-compliance with this law. I am again asking for CFPBs help in enforcing the FCRA and having TransUnion remove this illegal and unverifiable tradeline from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account # : XXXX 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: Debt collection

Keep receiving communication from LVNV funding for debt collection. The debt owed is for XXXXXXXX XXXX XXXX  in the amount of {$750.00}. I have no knowledge of this account and this is negatively affecting my credit score
Product: Mortgage

Their insurance department is forcing " hazard insurance '' w/o any reasoning or cause. My home insurance renewed and my insurance company has provided the proper documentation as it is stated on my documentation. I have uploaded my policy when it was due, but a week later I'm still receiving mail about not having home insurance. 

They note on their notice that the insurance they purchased is significantly more expensive and can cover less that the one I have. No other material on dates purchased or what's covered was included. 

Also, why is my load getting sold and bought multiple times a year? Switching companies creates unnecessary burden on the mortgage holder. This insurance information should be transferred seamlessly.