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

I am submitting a complaint regarding the ongoing inaccurate reporting of several accounts on my credit report, which were a result of identity theft and a data breach. Despite filing an FTC report and providing supporting documentation, including a data breach confirmation and an affidavit verifying my identity, these fraudulent accounts continue to be reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and delete any accounts resulting from identity theft within four business days of receiving notice. Additionally, FCRA Section 604 ( 15 U.S.C. 1681b ) mandates that a valid permissible purpose is required to access or report credit information. The following accounts were fraudulently reported without my consent : XXXX XXXX XXXX XXXX ( Account : XXXX, {$270.00} ), XXXX XXXX  XXXX XXXX ( Account : XXXX, {$590.00} ), XXXX XXXXXXXX ( Account : XXXX, {$770.00} ), XXXX XXXX ( Account : XXXX, {$120.00} ), XXXX XXXX XXXX XXXX ( Account : XXXX, {$110.00} ), XXXX XXXX XXXX  ( Account : XXXX, {$340.00} ), XXXX XXXX XXXX ( Account : XXXX, {$5100.00} ), XXXX XXXX XXXX ( Accounts : XXXX, XXXX, {$2700.00}, {$3200.00} ), and XXXX XXXX XXXX ( Accounts : XXXX, XXXX, {$420.00}, {$750.00} ). These accounts were obtained or reported without my knowledge and violate FCRA guidelines. I request the immediate deletion of these accounts within four business days to comply with federal regulations and to prevent further harm to my creditworthiness. The credit bureaus must ensure compliance with FCRA provisions and take corrective action immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint about 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 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 not Liable for this debt of {XXXX with PORTFOLIO RECOV ASSOC account number XXXX I do not have a contract with PORTFOLIO RECOV ASSOC. They did not provide me with the original contract as I requested with my wet signature and ID verification. 

15 U.S.C 1681
Product: Mortgage

My VA Loan was purchased by XXXX in XX/XX/XXXX. They are in the process of selling the loan to New Rez and the transfer will occur on XX/XX/XXXX. My home is in escrow and will fund on XX/XX/XXXX but New Rez stated that they can not accept the payoff until XX/XX/XXXX which will accrue an extra {$700.00} plus in interest and delay the close of escrow. I've been on the phone with New Rez for over an hour with no resolution. 

The New Rez account # is XXXX The XXXX account # is XXXX My name is XXXX XXXX XXXX Property address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ca XXXX My phone # XXXX My e-mail is XXXX Thank you
Product: Credit card

I received an email alert from chase that my data has been breached. Under the credit report, an account was opened this month with Barclay 's bank. I notified XXXX XXXX XXXXXXXX and XXXX. I also called Barclay 's bank to report the fraud but they were unable to locate an account under my name nor social security number. However, XXXX  report shows that there is an authorized account existing that was opened on XX/XX/year> with a credit limit of XXXX. I called XXXX  and they have placed a fraud alert and I also disputed this account.
Product: Debt collection

A lease was improperly opened in my name in 2017. I was not notified of ownership or liability to this lease until several months after the lease 's beginning date. I did not accept the validity of the debt, but as an extremely XXXX XXXXXXXX XXXX the severe pressure to fulfill the invalid debt motivated me to take steps to " mitigate damages ''. It is Pennsylvania law that, when certain conditions are met, tenants may allow a subletter to take over the lease to mitigate damages. I met those conditions and furnished a subletter ; however, the original account opener refused to share with me the address associated with the lease, and therefore acted unlawfully. After working with a lawyer and threatening to sue via defamation of character, the original account opener immediately offered a settlement, which I refused. My lawyer advised me that I was but one of countless students that fell victim to the original account openers ' coercion schemes. The original account openers were unable to furnish original documents due to a change in employment of the person responsible for their management. As a result, the lawsuit was not taken further and the debt has remained invalidly on my report for several years, hampering my ability to secure housing and credit. The original account opener 's history of fraudulent and coercive tactics, their inability to furnish sufficient orginal documents, their refusal to accept lawful mitigation of damages, and their refusal to share with me the address associated with the lease amply demonstrates that the debt is invalid and should be removed from my reports immediately. Consider reviewing testimonials of former tenants as validation that the original account opener consistently engages in fraudulent, coercive, or explicitly illegal activity : XXXX : XXXX # rXXXX  XXXX XXXX  : XXXX # XXXX XXXX XXXX XXXX  XXXX
Product: Payday loan

Retired military do not keep dental coverage so I had to resort to a ChecknGo Payday loan to finish my upper dental work and purchase my upper dental plate. The dental cost was {$2500.00}. When I went to pay off the {$2500.00} I borrowed, ChecknGo charged me and additional {$2500.00} in interest even though I had made more than {$1400.00} in payments. When I asked why my payments were n't applied the clerk told me that I had to pay interest first and none of that was applied to the principal. I am a XXXX XXXX living paycheck to paycheck and only used ChecknGo as a last resort because I had no upper teeth. ChecknGo are Paydayloan robbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX by capital one reporting system is deceptive. The scoring system they use reports my credit scores as excellent and is from XXXX scoring system. I thought was was in a great shape to apply for capital one credit card based on the excellent score and great banking relationship I have kept with capital one throughout the years. To my detriment I discovered on XX/XX/2023 after getting denied credit from capital one, they do not use the XXXX scoring for cards issued by their bank which is this misleading XXXX score. I also found out recently none of the major credit card issuers I have applied for use this useless XXXX scoring system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is closed and paid so it needs to be removed from my report please. Confirmation of closed is # XXXX XXXX XXXX took payment to close this
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX  CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$34.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Yes I pod my house in full via wire transfer from XXXX XXXX. XX/XX/XXXX I kindly requested a letter showing I paid off my mortgage. Instead they are sending me to collections and not taking my online account and zero it out. I did get a fax with the payoff ran to the bank made sure wire transfer was done. Keep getting XXXX call center then transfer after average of 1 hour. I need letter for my realtor and my insurance company and they need to update as promised all my credit bureaus
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report TRANSUNION Dear Sir/Madam , TRANSUNION completes its investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX XXXX XXXX XXXX XXXXXXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had ONE late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payment to be paid on time immediately. 

Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Debt collection

After reviewing my credit report I noticed multiple accounts that I was not aware of. Then after further research I learned that my information was exposed during the XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

During Covid times, I was given a forbearance from XXXX until XXXX of 2020. I was then modified and told that during the forbearance /modification " NOLATES will be reported '' This was reported and all of my credit is ruined.
Product: Checking or savings account

On XX/XX/year> XXXXXXXX XXXX XXXXXXXX at US bank campus commons in XXXX XXXX, California I deposited {$1000.00} in my checking account into an ATM. The ATM did not credit the amount and printed out a receipt that explained a machine error has occurred and we are unable to credit your account or return some of your items you attempted to deposit. Contact your financial institution at the number on the back of your card. 10 minutes later I had called customer service at XXXX and talk to the representative whos only solution was to file this dispute after explaining that I have rent due today and this will affect my housing and asked what more could be done. Her only solution was to file a dispute. 
The next day on XX/XX/year> at XXXX XXXX. I arrived at XXXX  XXXX XXXX. XXXX, XXXX US Bank. And explain to XXXX XXXX whose only solution was to wait out the 10 day waiting period before I can receive my funds back. She also offered solutions to apply for credit cards/loans. She asked if I knew any family which was an extremely sensitive subject since I am a XXXX XXXX XXXX with no family. I explained that my housing is at risk and I also just custody of my little sister and I am also at risk of loosing her due to this problem. Yet her only solution was to wait 10 business days. I even went to a church that day to find help and left US bank discouraged and broken. On XX/XX/year> I called again at XXXX and talked to the same person and explained the same situation that has happened and she gave me the same response, and left will with no help. I have been with this bank and my job checks come from US, its very disheartening that the bank I bank with will not help find a resolution to this matter in good faith of being a trusted US banker, otherwise I can not see any benefit to banking with them.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound concern and disappointment regarding the handling of this attempt to remove fraudulent items. Despite previous efforts to rectify this issue, I am troubled by the persistent presence of fraudulent items. These recurring problems not only undermine the credibility of the process but also raise serious concerns about the effectiveness of the measures in place to prevent such occurrences. 

In conclusion, I trust that you will give due consideration to this matter and take decisive action to rectify the shortcomings observed during this attempt to remove fraudulent items. Failure to address these issues promptly compromises the integrity of the process and undermines the trust. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was scammed by someone I met online. They asked me to cash a check with I later found out was a bad check followed by them asking me to transfer Bitcoin to them in the amount of {$950.00}. I later called Cashapp who I made the transfer with and they said there was nothing they could do.
Product: Checking or savings account

Called the bank 's customer service on XX/XX/2017 and confirm eligibility for the {$200.00} new account promotion. I opened this account that same day with the {$25.00} requirement and met the other requirement of having {$300.00} direct deposit on XX/XX/XXXX. The promotion stated the following " The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above ''. It has been over 60 days. 

I have called multiple times and messaged the bank on my online account. Never received a reply on the online messenger and kept getting transferred when calling because none of the representatives could give me a clear answer or solution about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information is incorrect on free credit report
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. No response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The following violation are happening after several request have been made to correct the inaccurate information. These accounts are reporting inaccurately because they are reporting against my wishes in general. 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 US code 1681 ( b ) Permissible purposes of consumer reports. The third violation is 15 US code 6802 b ( 1 ) b Obligations with respect to disclosures of personal information.

( b ) 1 ( b ) Opt out the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Please address the following : Who is the furnisher used to verify these accounts? 
Provide written consent giving permission to report these accounts. 
Provide written signed agreements saying that I was offered the option to OPT out of the account reporting prior to reporting. 
Are you denying me the above rights that were put in place as a way of fair regulation by the government? 
I am requesting that you remove these accounts : XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$710.00} XXXX XX/XX/XXXX & XXXX {$20000.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I revoke written consent . Any reporting of the following accounts is against my wishes, and I would like to receive {$1000.00} per each violation. I would like to exercise my rights to OPT out at this time. Especially since I was not given that right prior to the first day of reporting. I have also attached statements from the data furnishers saying that they have not disclose any information on my behalf.
Product: Vehicle loan or lease

I have a lease contract for {$170.00} per week, i 've been paying this for almost 12 months. Apparently Uber initially had me sign the wrong lease Contract, which was for another car their payments were {$170.00} per week, mine should 've been {$170.00} per week. Since uber lease made a mistake in having me sign wrong contract and quoted me the {$170.00} per week they told me they would have me signed a new contract and honor the same terms ... this was back in  XXXX . Last month they started taking out {$170.00} per week, I 've called them several times over the past several weeks and I keep hearing the same thing it 's been escalated, they 're working on it but they need me to produce a contract showing the {$170.00} per week which I did with the old contract could n't find the new  one  I initialed. Still looking for new contract but they do n't have anything in writing with me signing anything stating I would pay {$170.00} per week. This is a breach of contract,  Uber  leasing company has failed to correct this and is continually taking out the wrong amount. This all started initially with them taking out a Extra amount of {$150.00} out of my direct apposite for no apparent reason, all payments have been taken out of my account by direct apposite for the past 12 months every week for {$170.00}
Product: Checking or savings account

Hello my account had two fraudulent payments made from my account to an account with XXXX XXXX. They were for the amount of XXXX XXXX on XX/XX/year>, and XXXX $ on XX/XX/year>. I was XXXX at the time and did not authorize or perform these transactions. Someone has hacked into my account despite me changing my password. I filed a dispute for both of these transactions. Additionally I submitted a letter of incarceration to show I was incarcerated when these happened. However they were both denied. I was told to try and deal with XXXX XXXX. I did try and call them but because the account is not in my name they are not helping me. These are fraudulent transactions which should be reimbursed by Capitol ones fraud department.
Product: Credit reporting, credit repair services, or other personal consumer reports

i Had Credit freeze on my reports. Violation of a credit freeze by transunion. illegally changing of date from on time to XXXX and XXXX late late on my XXXX XXXXXXXX account XX/XX/XXXX thru XX/XX/XXXX XXXX Months And also Us Bank theres XXXX  months in XXXX all 90 days late are incorrect too. these accounts are not open. i had just received my reports today XX/XX/XXXX.
Product: Checking or savings account

Im XXXX deposited a cashiers check for {$980.00}. The mobile deposit did not work. The bank XXXX had to manually re-deposit the check gave it back to me and I got a car accident with a passenger who ran and took my purse along with my wallet with the check in it XXXX XXXX, which I found out with the help of a lady at the bank was the one who the check ATM they took the money out of my account ATM XXXX deposit XXXX XXXX deposit well the bank XXXX deposited mine RE deposited it XXXX thing and it was deposited before the ATM so it shouldve stayed in my account and then it caused all kinds of problems. Every time I took out an ATM withdraw XXXX more signature transactions came out {$300.00} withdraw and then with a pin for a signature transaction that I have never done XXXX more would come out with it. Every time I went to target to withdraw came out at target XXXX presented all this information to these people, and nobody could figure out what department was gon na do it so they just blew it off and close my account when they overdrafted for all my withdrawals that were supposed to come out before they took the {$980.00} back, overdraft fees, and close my account and labeled bank fraud Whereas I can not get a checking account anywhere to pay my bills and I am on XXXX where I would like my check to go through bank account instead of the XXXX card who has a ton of fraud and they never get it back. Police report understood that the DAs office arrested the person and charged them with his crime, but nothing was ever reported to me what was done with it, this is Bank Of America for XXXX XXXX XXXX XXXX last XXXX digit to my Social Security number XXXX. I would appreciate {$980.00} back in my cashiers check it was deposited. I believe it was XXXX or XX/XX/XXXX or XXXX. Its been so long And they just blew it off and kept my money in addition to that there are {$4000.00} in withdrawals and fees that they assessed my account for those withdrawals those signature transactions and duplicate withdrawals in addition to overdraft fees {$980.00} whereas I made transactions because I knew there was money there I just completely got the runaround about XXXX disputes dropped off paperwork at the XXXX XXXX location dropped off paperwork and spoke with the bank XXXX at the XXXX location several times and was escorted out when I was crying and upset because they would do nothing about it Open account XXXX Wire transaction that they could not get it together and complete properly and had to wait on a check and then wait for the check to deposit