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

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : TransUnion : XXXX XX/XX/20 XXXX : XX/XX/20
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I noticed several inquires on my report and I tried to dispute them and the credit bureaus are refusing to remove them.
Product: Checking or savings account

Notified XXXX XXXX on XX/XX/2020 that a atm had debited my account but failed to dispense cash. Amount of charge was XXXX. Ten business days have passed without any response or credit. I believe this is in violation of federal regulations.
Product: Debt collection

Over 15 years ago I got a phone from my sister it hardly worked I called and told XXXX XXXX XXXX too turn it off. I was told the phone was not in my name and XXXX XXXX XXXX refused to turn it off even though I stopped using the phone they Kept charging.I haven't had contact with no collection agency.So I don't know why this is still on my report after so many years.The only way I know about this is because it's on my XXXX XXXX.No one contacted me about this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6000.00}
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I was previously a customer of Lexington Law and am reaching out regarding the lawsuit settlement. I understand that settlement checks have been issued, but I have not yet received mine. 

Could you please provide an update on the status of my check or let me know if any additional steps are required on my end? 

Thank you for your time and assistance. I look forward to your response. 

XXXX
Product: Debt collection

I received a credit collection letter from  XXXX   XXXX  for {$640.00} with creditor  XXXX   XXXX  account ending in  XXXX . I contacted  XXXX   XXXX  regarding the amount due for the account ending in  XXXX . The representative stated that the account ending in  XXXX  had a balance of {$450.00} and he not sure were the collection agency got the amount of {$640.00}. The account is being disputed as fraud with the original creditor  XXXX   XXXX  for fraudulent activity on account ending in  XXXX  for the amount of {$450.00} reference #  XXXX  DATE :  XXXX / XXXX  /2017    @  XXXX . The credit collection agency has sent a letter for a debt collection from a creditor for an amount that I do not owe. This debt is not valid for collections. The is a fraud account/identity theft. This  credit collections a gency is trying to collect on a made up amount.
Product: Debt collection

I have a private student loan on my credit report under XXXX ( XXXX ) and XXXX XXXX ( XXXX ). This loan is from XXXX XXXX XXXX. I was unaware that the loan in question was in default as I was a cosigner on a student loan intended for another person. It was only until recently I 've looked up my credit and started repairing it. I was told by a mortgage agency that I would have to get this loan resolved. I have called multiple times and sent them an email ( XXXX ) over their website requesting contact in an attempt to reach a settlement and begin repayment. I have not been able to talk to anyone by phone and received no response to my email inquiry. The mortgage agency also attempted to call AES/XXXX on my behalf with no answer. There are no other numbers listed on either credit report. Under comments it simply states written off as bad credit/sent to collections. With no information on how to contact said collections agency.
Product: Mortgage

There was an insurance change from my HOA ( home owner Association ) on XXXX XXXX but the HOA did not provide the insurance company right away and Truist morgage added XXXX XXXX to purchase insurance on there own after they sent notice in XXXX XXXX in XXXX i bought an insurance from XXXX  and the XXXX XXXX was refunded, but still on escrow it show the payment XXXX XXXX for XXXX and told them a willing to pay the XXXX for XXXX but they keep saying pay the XXXX and it will be refunded after i pay the XX/XX/XXXX XXXX XXXX monthly payment. told them i dont have the money XXXXXXXX XXXX  to pay and they told me am going to default. 
Mail payments to : Loan information Loan number XXXX Principal balance XXXX {$230000.00} Escrow balance {$4600.00} Amount due : *Due by XX/XX/XXXX {$3900.00} {$52.00} late fee will be charged after XX/XX/XXXX Total Amount Enclosed XXXX  Loan Number Statement date Payment due date Amount due XXXX XX/XX/XXXX XX/XX/XXXX {$3900.00} Explanation of amount due Principal {$520.00} Interest {$520.00} Escrow ( taxes & insurance ) {$2900.00} Total regular monthly payment {$3900.00} Total amount due {$3900.00} Truist Bank XXXX XXXX XXXX XXXX XXXX MD XXXX Mail payments to : Loan information Loan number XXXX Principal balance XXXX {$240000.00} Escrow balance {$1300.00} Maturity date XX/XX/XXXX Interest rate 2.625 % Partial payments balance ( unapplied ) {$0.00} Amount due : *Due by XX/XX/XXXX {$1300.00} {$52.00} late fee will be charged after XX/XX/XXXX Loan Number Statement date Payment due date Amount due XXXX XXXX XXXXXX/XX/XXXX {$1300.00} Explanation of amount due Principal {$510.00} Interest {$520.00} Escrow ( taxes & insurance ) {$330.00} Total regular monthly payment {$1300.00} Total fees and charges {$0.00} Past due payment ( s ) {$0.00} Total amount due {$1300.00} Truist Bank XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that my auto loan was with XXXX and not XXXXXXXX XXXX when I did my lease end buyout with XXXX. Therefore, I did not receive the mailing from XXXX XXXX regarding my loan and did not make payment. I reached out to XXXX several times between XXXX regarding not receiving a bill for my auto loan and was told that it would be coming shortly from XXXX and not XXXX. The communication was terrible. I also never received official looking documentation from XXXX XXXX or any communication until I contacted XXXX Bank on XX/XX/XXXX after finally finding out from XXXX that my auto loan was serviced by XXXX Bank. It was at this time that I explained the situation and made my entire payment in full and set up autopayment. I contacted Experian and XXXX Bank on XX/XX/XXXX to discuss and dispute this and my issue was not resolved. I pay all of my bills on time and would have done so if I received proper communication from XXXX and XXXX XXXX This took over 2 months for me to find out that my load was with XXXX XXXX at which point my account was past due and I did not know about it.
Product: Vehicle loan or lease

I have been corresponding back and forth with Bank of America since XX/XX/2021 on an auto loan that was fraudulently obtained in my name. I have disputed this account numerous times with all 3 credit bureaus and each time Bank of America responds '' account verfied ''. I requested Bank Of America send me a method of verification and a validation of debt which they have refused to send. I have certfied mail with return receipts of correspondence with Bank Of America and the fraudulent account to which was never resolved.Under FCRA, By law, Bank of America is to follow procedures concerning fraudulent accounts to include providing consumer proof of debt ( validation of debt ) and the methods used to verify the debt.Bank of America was supposed to cease reporting this debt when i reported that it was fraudulent, instead Bank Of America kept reporting this debt as charged off on my credit report.On XX/XX/2021, Bank of America removed {$14000.00} from my account for this fraudulent debt that was never resolved.I 'm demanding Bank Of America put the {$14000.00} back into my account and remove the negative reporting from my credit report as Bank of America has not proven this is a valid debt and they had 30-45 days to do that.Under FCRA, if they have not proven a debt is valid, they can not report or collect on said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have followed up with two Affidavit of Truth to try and bring this litigation to an end before going to court for defamation of character. My consumer rights are being violated.
Product: Checking or savings account

Hello dear CFPB! 
I am submitting this complaint regarding the sudden and unexplained closure of my accounts by Chase Bank. Despite maintaining a strong banking history, adhering to all terms, and making timely payments, Chase has closed my personal checking, business checking, and credit card accounts without providing any reason. 

I have reached out to Chase multiple times requesting an explanation, but their response has been that they can not provide information regarding the decision to close my accounts. This has been extremely frustrating and concerning, as I have not violated any policies, nor have I had any late payments or suspicious activity on my accounts. I have built a positive credit history with Chase and had plans to expand my business with them. 

The sudden closure of my credit account is particularly troubling as it may negatively impact my credit score and financial standing. I believe that as a consumer, I have the right to understand why this action was taken, especially since I have conducted all financial activities in good faith. 

I started my business banking with Chase, and all my financial operationsincluding transactions, payments, and vendor accountswere set up with them. This sudden and unexplained closure has created significant disruptions, which feels unfair given my history of responsible banking. Additionally, Chase has stated that their decision is final without offering any justification, leaving me without a proper resolution. 

I would appreciate your assistance in investigating this matter and ensuring that Chase provides a clear explanation for their decision. Thank you for your time and help in resolving this issue. 


Best Regards XXXX XXXX
Product: Checking or savings account

on XX/XX/2019 I noticed a charge on our checking account in the amount of {$220.00} that was made on XX/XX/XXXX-XX/XX/XXXX [ not sure due to processing ] that was titled " XXXX XXXX XXXX XXXX GA ''. I instantly knew I needed to look further into this charge. Since I obviously am not physically in Georgia, nor have I ever bin there. I contacted the Fraud Department at Bank of America and was advised they will send a new card and to destroy the current one my husband has. We listened to the representative and waited for a response from the Claim Resolution Team regarding the fraud transaction. The bank never contacted us until XX/XX/2019 via US mail letter stated that the transaction in question was authorized and posted correctly to our account and in result we will be charged the funds on XX/XX/2019. 

Today XX/XX/2019 I contacted the number in the letter to ask what append and if they got more information on the suspects. First representative I spoke to just gave me the same information in the letter and just kept repeating himself. So I asked to speak to a manager since he can't do anything further for us. I spoke to a manager rep in the claims department and was advised no investigation was done since the way the transaction was charged [ via chip using my PIN ] it seamed like it would be impossible it was us and that is their decision. I was advised to contact the police department and there is nothing they can do. I tried to get information of the store that processed the transaction but was advised by the rep they don't have that information nor did they try reaching out to the merchant to obtain that information. 

I feel as if this bank is not making correct discussions regarding fraud claims. They didn't even try to investigate so they can protect my hard earned money. I feel like my money is unsafe and I think I may close out my account after having it for over 20 years with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my secondary request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with them today. They said the only way to get the bill removed is to file a dispute. I have tried that they are still reporting. I have paid their collection company XXXX. I am attaching the receipt.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/XXXX {$330.00} XXXX XXXX XXXX XX/XX/XXXX {$330.00} TXXXX XXXX XXXXXXXX XX/XX/XXXX {$830.00} XXXX XXXX XXXX XX/XX/XXXX {$830.00} XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE AUTHOR OF THIS COMPLAINT AS WELL AS THE ATTACHMENTS INVOLVED IN THIS COMPLAINT I checked my credit report and I noticed a inaccurate account on my report from XXXX XXXX  involving Chexsystems this inaccurate account is causing me stress and XXXX  and it also affecting my mental and financial health
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple dates regarding the weeks of XXXX, XXXX, and XXXX, Transunion LLC was notified and made aware in accordance to 15 USC 1681s-2, sections ( a ) ( B ) and ( a ) ( A ), that there are and still are unauthorized and unverified credit inquiries with no accounts attached to them are still reporting and negatively affecting my credit score. Taking into account 15 USC 1681s-2 section ( b ) ( E ) and 15 USC 1602 sections ( e ), ( i ), and ( g ), state and make clear that I am the original creditor and I have said and told this to the employees at Transunion LLC and they refused to remove the following credit inquiries : XXXX [ Inquiry date : XX/XX/2020 ], XXXX [ Inquiry date : XX/XX/2020 ], and XXXX XXXX XXXX [ Inquiry Date : XX/XX/2020 ]. I have made Tranunion LLC aware multiple times of these inaccurate and unverified items due to the FCRA and Transunion LLC has refused to remove them so I reach out to you Consumer Financial Bureau for your assistance with this matter. Thank you.
Product: Money transfer, virtual currency, or money service

Wanted two birth certificates from vital Chek.In XXXX of 2020 paid {$67.00} and never received the documents.Since the documents were urgently needed I ordered them again in XX/XX/2020 this time I paid $ XXXX no documents and no refund from payment in XXXX and XXXX vital Chek via phone or email is a waste of time ( No Answer ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts has violated my rights. 

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  # 15 U.S.C1681section 602A. States I have a right to privacy.

15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish A account without my written instructions
Product: Debt collection

Today ( XX/XX/XXXX ) and last Friday ( XX/XX/XXXX ) Advance America has called my employer in an attempt to collect a pay day loan. To my understanding, it is illegal for them to contact my employer in this manner.
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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : INQUIRIES : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX XXXX XX/XX/year> 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

Good Day I filed a XXXX XXXXXXXX bankruptcy in XXXX which included delinquent mortgage payments. The bankruptcy was discharged and I never reaffirmed this debt. My mortgage company has been aquired by several companies before Shellpoint Mortgage and theyre the only company who has reported it on my report. I reached out to them several times explaining the situation and they refuse to remove it and they continue to report since XXXX of XXXX. I dont know what else to do. Please advise if this can be removed from all credit bureaus. 

Sincerely Ms 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 take timely and effective measures to prevent and address fraud in there 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 contacted XXXX on XX/XX/XXXXXXXX  to exercise my right to opt out of the disclosure of my nonpublic personal information to all third parties including consumer reporting agencies, XXXX, Experian, XXXX XXXX XXXX, XXXX XXXX  and XXXX. Per 15 U.S.C. 6802 and CFR 313. 

Reporting my personal information is also a violation of my rights under the Privacy Protection Act of 1974. 

This opt out is to be effective immediately and indefinitely. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ;
Product: Credit reporting or other personal consumer reports

TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Has reported a collection on my XXXX report No recollection or knowledge or contractual agreement ever conducted with this company