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

I am a victim of identity theft. I have been writing to Equifax for several months now trying to get this information removed from my credit report. I have sent them over 5 letters not and they fail to respond to the problem. I have requested the information be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXX Account # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXXhas violated my rights. 

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
Product: Mortgage

I have been unable to make my mortgage payments for over 40 days due to a deterioration in my financial situation. I have not been able to make any payments since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer report and noticed that I had a collection on my account from a company that I've never done business with. They also have different open account dates further proving even more inaccuracy. Consumer reporting agencies have provide a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never had this account as well as the opening date are different : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) : XXXX Please investigate and provide proof with statements showing that this account is mines. If proof can't be provided I demand this account be remove from my report Thanks, XXXX XXXX
Product: Credit card or prepaid card

I applied for unemployment and was denied so I appealed and won. I was getting back pay for a lot of unemployment. I received my unemployment benefits on XX/XX/2020 I still had not received my card. I ordered a new card to be expedited never received that card either. I waited a while cuz they kept telling me 7 to 10 business days ... Well someone received my card activated it set up an online account with it and began spending my money. I called reliacard and filed my claim. They denied my claim because who ever stole my card uses the same stores as me which isn't hard to believe we live in a very small town.. il
Product: Credit card

I made a purchase of furniture in XXXX XXXX at a local dealer and he was supposed to ship me the items. He told me the order was delayed and after giving him ample time, I have understood he is not gon na ship the items. I reached out to my Barclays Premium credit card for help. I disputed the transaction in XXXX XXXX, for the amount. I got a credit into my account, but after 4 months in XXXX XXXX, Barclays took away the credit saying the XXXX wants the money back. So Barclays gave me exact 5 days to prove my case. I called their remote Dispute dept to request more time, since the letter came out of no where. But after multiple snail mails to re-open the case, they kept closing the case, saying I did n't provide enough proof of delivery. I spoke to seller and made him talk to Barclays, and he clearly agreed he did n't ship the items. But now the XXXX says the money is taken back from him. THe money is in Limbo state, and as per XXXX he doesnt have it. And my Credit card is mean and not helping me with anything after many repeated requests. But they charge me that amount and ask me to pay for it. I need help here. I have no way to reach XXXX, and the XXXX himself is not keen on pursuing this, because its my money and he does n't care much about it. My Credit card company, closed the case without enough enquiry or proof. They are blatant and unethical. I need help here, losing money and no furniture and went thru lots of turmoil last few months. Please help. There are so many parties involved here Credit card company, XXXX, XXXX XXXX processor.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to TRANSUNION for allowing unauthorized inquiries on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, unauthorized inquires are reporting on my credit report and they are not reporting accurately. I have filed an FTC report which I included here with report numbers XXXX, XXXX and XXXX for your reference and as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reports incorrect info has been deleted by XXXX XXXX and XXXX but not exquifax
Product: Checking or savings account

On XX/XX/XXXX, someone stole my wallet in my car. He or she used my credit card and used my debit card to withdraw all money, {$1600.00}, from four different bank ATMs. 

On the day of XX/XX/XXXX, I confirmed this theft and crime through a fraud alert on the Citibank app, and as soon as I found it, I immediately reported it to Citibank and reported it to the police as well. 

I know, if I notify my bank or credit union within two business days of discovering the loss or theft of the card, the bank or credit union cant hold you responsible for more than the amount of any unauthorized transactions or {$50.00}, whichever is less. If I notify my bank or credit union after two business days, I could be responsible for up to {$500.00} in unauthorized transactions. 

However, Citibank did not refund the {$1600.00} stolen for the following reasons, even though I reported it on the day of XX/XX/XXXX and requested reimbursement four times by investigations. 

" Based on the information you provided and the results of our research, our records indicate that these withdrawals were made from your account with your Citibank Banking Card. Please note that your Citibank Banking Card and Personal Identification Number were required to perform these withdrawals and the activity appears to be consistent with your normal banking activities. '' I have never told anyone my pin number, and I have no clue of pin number in my wallet, which is obviously a major theft and password theft by a professional robber. 

I shared police report number with Citi Bank, requested to see the video on 4 different ATMs, and request reimbursement this fraud transaction more than 4 times. However, Citi Bank denied my request again and again. 

I didn't withdraw my money by my self and this is obviously a major theft and password theft by a professional robber. The Citi Bank also refunded the fraud transaction of credit cards, but I can't understand why they don't refund fraud withdrawals of my debit card. I reported this fraud transaction within two business days to Citi Bank as well as Police. 

According to the law, I strongly request that the bank return the money I have not withdrawn immediately and I sincerely hope that you will help me.
Product: Credit card or prepaid card

I am an existing customer of OLLO Card Bank and have been for over six years now. My account is and has always been in good standing, no late payments, normal card usage EX : gas, restaurants, retail shopping, grocery, etc. I received a letter over a month ago stating that they wanted me to upload a picture of my social security card AND my unexpired government ID ( drivers license/passport ). I originally felt this must be a scam as what financial institution would ask you to send them a COPY of these documents. First, I had to provide them with my social security number when I opened the account, so they already have this information, and I again have been a six plus year customer of OLLO Card. I immediately called the company thinking this must be a scam, although the letter did have their actual phone and address on the letter. The customer service rep could not explain why I would get this letter but she would have someone follow up with me. They never did, and I then got an email from them stating that time was running out and my account would be closed by XXXX if I did not send that info in. I called back only to have another rep tell me it is a law, and only a small percentage of customers are asked for the data. However, he could not tell me " what law '' it was. I have never ever from any other financial company that I have other credit accounts with have been asked to provide actual copies of my information. This seems VERY SHADY to me. I have asked other people I know if they have ever heard of this, and so far I have found no one who has ever been asked by there bank to send this in. If I had been asked as a new customer to send in copies I could have declined to do business with them, but as a six plus year customer to now ask me to send in this is very concerning. I told the guy I was fine with my account being closed as I certainly do not feel comfortable in doing business with them, but I want to report this bank and their requests. Everyone knows how much identity theft there is today and that you should protect your information as well as possible. Why would I or anyone stand to be asked to provide these documents. I was not sure who to report this to, but if you could publish so other consumers avoid OLLO Card Bank I would appreciate, as this is not a law that I can find, and I know for certain that it is NOT normal practice of any other creditor I have ever had. 
Regards, Concerned Consumer
Product: Checking or savings account

I opened a business account on XX/XX/year> with this bank. When I met with one of the branch workers to help me open my account .the feeling was already off. Her name is XXXX XXXX. She began to ask me a number of uncomfortable questions as if I came in to request a loan or a credit card. She was asking why KeyBank. How do I plan to manage my receivables etc questions that you will ask if you asking for money. I felt very targeted because none of this was stated on the website or stated in the qualification section to open a checking account. I brought in all the documentation required. My EIN LETTER, MY BUSINESS certificate, my foreign entity, and so forth, she made me feel very uncomfortable as if I did not belong there, however she did open my account I was able to log in and deposit about {$1000.00} in my account however 2 days later when I tired to log in again on my phone it said my account is restricted. When I called the bank they said my account is restricted because I did not turn in my documents are you serious? I had a appointment with the branch worker XXXX XXXX and she took my documents scanned them in and gave them back to me. They also said my account is being reviewed for fraud how? I provided everything that was asked for plus I made a deposit in the account. I am XXXX XXXX XXXX trying to get my business running and we all have to start somewhere. And its funny how these credit unions are suppose to be for the people, But I did not feel that way at all. I am slowly learning the business world and I thought KeyBank would be a great fit because of all the reviews. But this bank seems is showing that when it comes to XXXX XXXX people they judge. I am very disappointed with KeyBank and how they treat people of XXXX trying to make it in life I honestly would like my deposit and and no longer wish to bank with KeyBank and I will make sure I inform people of this bank and how they treat minorities. I am happy that I was able to record some of the conversation I had with this branch rep. 

My business name is XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2800.00} XXXXXXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  Balance : {$2800.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$28000.00}
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 use 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX5 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 an 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have my name and address that I want to correct on your report. My name is XXXX XXXX XXXX or XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX Florida XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to show up on my Trans Union credit report. i don't know what this company is. i need it to be deleted from my credit report now please. This is my second attempt to get this removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
XXXX : XXXX XXXX : XX/XX/year> Equifax XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  RE : Correction to my personal information Dear Equifax , I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have never been late on this account and it is showing two late payments for XXXX and XXXX of 2020. This is affecting my ability to get a mortgage for my family. I have spoken to EdFinancial and was assured that this matter would have been resolved. To date it has not been. Therefore, I have engaged the assistance of the CFPB to assist me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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 An 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. 

GOVERN YOURSELF ACCORDINGLY.
Product: Credit reporting or other personal consumer reports

We were first contacted by XXXX XXXX XXXX via email on XX/XX/XXXX, stating that they have supporting documents from XXXX XXXX XXXX XXXX XXXX XXXX with no monetary amount and we must make payments on their online portal. We sent a cease and desist letter via email and regular mail. XXXX XXXX XXXX contacted us again via mail with statement date XX/XX/XXXX. We received the letter on XX/XX/XXXX. We sent another cease and desist letter via email on XX/XX/XXXX, to dispute validity of said alleged debt as follows : In accordance with the Federal Fair Debt Collection Practices Act, 15 U.S.C. 1692, you are hereby notified to CEASE AND DESIST any and all other attempts to collect this alleged debt. Please note that we are declining any attempts by your collection agency, XXXX XXXX XXXX, or any other collection agency with regards to this matter. In addition, you are hereby requested to inform and/or remove from any reporting agencies this alleged debt that is currently in dispute. I will require documentation that you have complied with this request. You are also requested to CEASE AND DESIST contacting me with regards to this matter, unless it is to notify me via U.S. mail that you will be terminating all attempts to collect this alleged debt. 
According to the CSLB, the application of XXXX XXXX XXXX XXXX XXXX XXXX has only been posted as of XX/XX/XXXX. They began work in early XX/XX/XXXX, which they clearly started without the appropriate license. In other words, they are an unlicensed contractor. They are currently being investigated by CSLB with case number # XXXX. 

Below is an excerpt from the Department of Consumer Affairs Contractors State License Board or CSLB regarding unlicensed contractors.

2022 California Code Business and Professions Code - BPC DIVISION 3 - PROFESSIONS AND VOCATIONS GENERALLY CHAPTER 9 - Contractors ARTICLE 3 - Exemptions Section 7048. 

This chapter does not apply to any work or operation on one undertaking or project by one or more contracts, the aggregate contract price which for labor, materials, and all other items, is less than XXXX XXXX dollars ( {$500.00} ), that work or operations being considered of casual, minor, or inconsequential nature. 

This exemption does not apply in any case wherein the work of construction is only a part of a larger or major operation, whether undertaken by the same or a different contractor, or in which a division of the operation is made in contracts of amounts less than five hundred dollars ( {$500.00} ) for the purpose of evasion of this chapter or otherwise. 

This exemption does not apply to a person who advertises or puts out any sign or card or other device which might indicate to the public that he or she is a contractor or that he or she is qualified to engage in the business of a contractor. 
Universal Citation : CA Bus & Prof Code 7048 ( 2022 ) I also reserve the right to file suit against you for any future violations of this law. 

Please give this very important matter the utmost attention. 

On XX/XX/XXXX, I got notified about a negative impact on my credit score through Experian.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all account are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct this account immediately : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have two data breaches with XXXX  and have had a heck of a time trying to get them to understand that if they continue to use the XXXX. XXXX or XXXX or any other email attached to my social security number is not helping at all. They are to use the only one that I use now, XXXX not XXXX, as those are a part of numerous fraud alerts with ftc, fcc, XXXX XXXX, XXXX. My new email again is XXXX. I can not let you know how important this is as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car on my credit from XX/XX/XXXX that went into late than a charge off in XXXX, which was paid in full and closed, so next I tried to have the charge off removed since it was paid and US Auto Sales refused to remove the account from my credit report.
Product: Debt collection

I keep getting calls from XXXX. They tell me their name is Amsher, a debt collection company. I owe nobody any debt of any kind that would trigger a debt collection company to call me. I told them to place my name on their do not call list.
Product: Credit reporting or other personal consumer reports

For false information appearing on my credit report, I filed disputes with Experian, XXXX, and XXXX. I informed them of their violations to my consumer report and provided a list of the accounts. They have not responded in excess of XXXX  days. All of the letters that were sent are attached below. 

By failing to mark this disputed account as disputed, this company has violated FCRA 623 ( a ) b ).

Since this account 's last activity date is reporting, 605 ( c ) is operating if the period has also been broken. The last date on which a payment was made should be reflected.

The Federal Trade Commission believes that this company has consistently neglected to verify this collection account, thereby breaching FDCPA 809b.
Product: Money transfer, virtual currency, or money service

Venmo is refusing access to my Venmo account in which I have a total of {$300.00} stored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these account that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft TDAF Account Number : XXXX This is not mine. 

2. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 This is not mine.
Product: Money transfer, virtual currency, or money service

I am filling 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 on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I have had a block on my NetSpend card since XX/XX/XXXX. I have been continuously trying to reach NetSpend. I would be on hold to speak to someone and when I finally get to talk to someone ( after being on hold for over an hour ) they hang up on me!!! I was told this past Tuesday when I spoke to someone that the block would be lifted ... .but it has not. I'm still trying to speak to someone at NetSpend customer service to this very day ... no success at all!!!! Furthermore this is not the first time I have been unfairly treated by NetSpend they allowed someone to transfer funds from my card to another NetSpend customers card in the amount of XXXX please help.
Product: Vehicle loan or lease

In XX/XX/XXXX, an 84-month loan was opened in my name through XXXX XXXX XXXX. I have disputed this item several times by sending certified disputes as per the FCRA and FDCPA guidelines for disputes. The first letter sent XX/XX/XXXX XXXX and again on XX/XX/XXXX XXXX both through XXXX signature required. Both time they failed to meet the response requirements set by both the FCRA and the FDCPA.
Product: Debt collection

Contacted the company and the information they have on file does not match my information, the date of birth is the wrong and they have the wrong Social Security number.