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

On XX/XX/2024. I got an email that my credit report was accessed. When I logged on to access my credit report, I did not recognize the credit requestor ( Barclays Bank ). I immediately contacted them, after about 30 minutes of back and forth they transferred me to their fraud department. XXXX, the gentlemen I spoke to said to give them about 30 days for them to update that inquiry. In XXXX I access my report and the inquiry was still there. I figured with holiday they were busy and didn't want to spend another 30 minutes of my time on the phone with them. So I decided I would just give them more time. It is now almost 90 days after and the inquiry is still reporting.
Product: Credit reporting

I recently obtained a copy of my credit report. There was an unauthorized inquiry made by XXXX XXXX Bank. On XXXX, I wrote to XXXX XXXX Bank asking for proof of the inquiry. To date, XXXX, I have yet to receive a response from them validating said credit inquiry, which has made my FICO score drop!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not understanding why an account that is aged almost 10 years is still reporting on my Transunion and XXXX  credit report. All collections and chargeoffs stay on credit reports 7 years only, this account clearly states that it was opened on XXXX 2011 with two different incorrect dates. The dates last active is incorrect and not recent to my last dispute request. The account has been paid and still reporting and it shouldn ; ; t be due to age and inaccuracies. Transunion and XXXX  was not honest about their investgation on the account memntioned above : XXXX XXXX XXXX
Product: Debt collection

XXXX of 2023 I found out I was the victim of identity theft. I contacted the four energy companies that were used to open fraudulent accounts in my name, filed all required paperwork, and received receipt that my identity debt was not my responsibility by all four companies. One company still has the collection due on my credit report. I called again to rectify the situation spending almost two hours on the phone and was told I would be called back by an agent assigned to my account. Its a month later and no one has contacted me and the charges still remain on my credit report.XXXX XXXX the was the original company where the identity theft occurred. The collection company is called XXXX XXXX XXXX the amount of {$470.00}. Phone number ( XXXX ) XXXX. Address : XXXX XXXX XXXX XXXX, DE XXXX
Product: Checking or savings account

: I have been receiving my survivor benefits through Citizens Bank since 2013 on the third Wednesday of every month. I received two separate payments on the same day for XXXX. As of XX/XX/XXXX I did not receive them. On that day I reached out to Citizens Bank CUSTOMERService and that is when I was told that Citizens Bank closed my account without letting me know so I couldn't make the proper attires to change over my information with the IRS to direct deposit to another account. When I was on the phone with Citizens Bank I was then told my account had been closed and my money was returned to the US Treasury. So I contacted SS and I then received a letter a week later saying that my money was deposited to my account and never sent back. So again I contact Citizens and had someone tell me that they don't have any record of the deposits. I finally found the recovery department number. Which I finally got somewhere with. That was 3 and 1/2 weeks ago. I just called again. They said that check processing still hasn't sent it. I am now livid. This affected my bills and how I live. It is my only income. Something needs to happen. That Bank has communication issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S Code 1681c-2 a consumer reporting agency shall 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 of receipt.

Under 15 USC 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) ay consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I HAVE NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

YOU ARE IN VIOLATION OF THESE LAWS PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE!
Product: Checking or savings account

On XX/XX/XXXX, someone accessed my daughters Chase Bank accounts ( custodial accounts, I am also on her accounts ) and deposited 2 fake checks. One to her checking account and one to her savings account. Not sure how they did it, no one is given user names or passwords, they then transferred the amount of the check in the savings account to her checking account and then XXXX paid themselves {$500.00} on XX/XX/XXXX and {$500.00} on XX/XX/XXXX. The names on the XXXX pays are XXXX and XXXX. Chase told me on our first call that there was a third attempt in the name of XXXX but they did not pay it as it looked suspicious. The fake checks were returned on XX/XX/XXXX and the account was charged a return fee. The fraudulent checks and XXXX pays were discovered by my daughter on XXXX. Chase reversed the XXXX pays for the duration of the investigation on XXXX. On XX/XX/XXXX Chase reversed the XXXX pays again stating there was no fraud detected, leaving my daughters account missing {$1000.00}. I was informed by Chase that I would need to request an appeal in writing, which I did on XX/XX/XXXX. They continually told me they didn't receive the appeal request. On XX/XX/XXXX I wrote them again sending proof that I mailed the letter via Express mail and had their signature for receiving the piece on XX/XX/XXXX. They again denied our claim stating no fraud detected. Their letter stated that I could request the information they used in their investigation, which I did by phone on XX/XX/XXXX. The letters finally came on XX/XX/XXXX letting me know the information they used for the investigation was an account review. They did nothing to find out who did this and they are letting them get away with our {$1000.00}. We would like to have our stolen {$1000.00} returned. I'm questioning why they aren't charging us with check fraud if they think we were compliant in cashing fake checks. Except they know we weren't compliant, they just won't return our money. I'm hoping you can help, I've been seeing stories like this one all over social media. Someone needs to help us with the large conglomerate banks taking our money or letting it be stolen from our accounts. Thank you.
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/2014, five unauthorized transactions were made from my western union account each of $ XXXXI have lodged complained with western union and they told me contact police.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was due to an unexpected technical issue with the automatic payment system that was set up for this account. Although the funds were available in my account, the automatic payment did not process as scheduled, resulting in a slight delay. Once I became aware of the issue, I immediately made the payment, which was only a few days late. This situation was beyond my control, and I believe it should not have been reported as a late payment. 

Evidence provided : Bank statement showing sufficient funds on the due date. 
Confirmation from XXXX acknowledging the issue with the automatic payment and the prompt payment that was made immediately afterward. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
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 USC 1681.

All ACCOUNTS BE REMOVED All INQUIRES BE REMOVED, this 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 States A Consumer Reporting Agency CAN NOT FURNISH AN ACCOUNT WITHOUT 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, other than adverse item of information, other than records of convictions and crimes which antedates the report by 7 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. 

A person shall not FURNISH information relating to a consumer to any consumer Reporting agency
Product: Mortgage

we have to issues one they claim our balance is XXXX its XXXX they told all three credit reports we owe more yet look at our acct is confirms XXXX also we dont have a fixed rate it always goes up but never down i questioned if rates are at an alltime low why are we still at XXXX? i was hung up on why doesnt it ever go down???
Product: Debt collection

My father-in-law passed in XXXX XXXXhe had an outstanding balance of {$270.00} and collection company claims charges made after his death? The card was cancelled when he passed. I called Weltman, Weinberg & Reis after I received a letter from them since all my father-in-laws mail was forwarded to me after his death. I received a threatening letter on XX/XX/XXXX and called them on XX/XX/XXXX. I advised them there was no estate and that I only handled his mail. I told them to stop sending letters to the estate since there was no estate. Since my phone call on XX/XX/XXXX, I have been receiving daily phone calls every day at XXXX since last year. I have called numerous times and said stop calling my home number everyday. I am the son-in-law, no estate and there is nothing to collect from! I called again on XX/XX/XXXX and told them I am on the Do Not call Registry and this is harassment. I am not a representative of XXXX XXXX and I am being called on my home phone daily with a recorded message since last year! I told them there is no estate to collect from and I am the son-in-law. This needs to stop ...
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS USED IN A DATA BREACH CAUSE I HAVE NEVER USED THESE ACCOUNTS OR FILE BANKRUPTCY
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing to express my grievance against PayPal regarding their handling of a fraudulent transaction on my account, which has led to significant financial loss and distress. This complaint highlights PayPal 's failure to conduct a thorough investigation into the fraudulent activities involving my account. 

Incident Overview : On XX/XX/XXXX, I inadvertently contacted a fraudulent tech support line, assuming it was PayPal 's official customer service. During a desktop sharing session, under deceptive pretenses, I was tricked into sharing my debit card information. This led to unauthorized transactions : {$980.00} transferred into my PayPal account, with {$890.00} subsequently sent to XXXX XXXX XXXX. Additionally, {$1800.00} was illicitly withdrawn from my bank account into PayPal. I detected the fraud, immediately ceased the session, and reported the incident to PayPal. I was informed by PayPal that they were able to freeze the transaction and will not release it to XXXX XXXX XXXX until a thorough investigation is concluded. 

Inadequate Investigation by PayPal : Despite my immediate action and a dispute case ( Case ID : XXXX ), PayPal concluded on XX/XX/XXXX that the transactions were consistent with my payment history. This finding is grossly erroneous. I have never engaged in any transactions with XXXX XXXX XXXX. Had PayPal conducted a proper investigation, they would have likely discovered that XXXX XXXX XXXX 's account was potentially created on the day of the fraudulent activity. Furthermore, the account likely received numerous incoming transactions, some of which may have been disputed. Such patterns are clear indicators of fraudulent activity, which PayPal seemingly overlooked. 

Impact and Request for Resolution : This situation has resulted in a financial loss of {$890.00}, including the {$890.00} sent to XXXX XXXX XXXX and a {$4.00} transaction fee. The lack of a comprehensive investigation by PayPal has caused me significant emotional distress and eroded my trust in their services. I am seeking a full refund of the said amount and demand a detailed explanation from PayPal regarding the lax nature of their investigation. 

I also request the Consumer Financial Protection Bureau to scrutinize PayPal 's practices in handling such fraud cases. It is essential to ensure that PayPal and similar institutions have robust mechanisms to protect consumers from similar frauds in the future. 

The handling of my case by PayPal has highlighted serious deficiencies in their fraud detection and customer protection protocols. This incident underscores the need for more stringent regulatory oversight in the digital finance sector to safeguard consumer interests. 

Thank you for considering my complaint. I am prepared to provide any additional information or documentation necessary to assist in this matter. I look forward to a prompt and effective resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. I am being harassed by multiple calls before XXXX and after XXXX .Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and are a result of fraud that I did not authorize : IVNV FUNDING LLC ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In 2019, I took my car to XXXX XXXX XXXX XXXX XXXX, Kansas. Due to mental illness, I can not remember the actual month and day. I took my car to this XXXX XXXX to have a tune-up performed. I was called a week later that my car was fixed. I paid the amount for repairs and began to drive the car off of the lot. Unfortunately, the car stalled in the middle of XXXX XXXX. I went back into the dealership and told them that my car stalled and would not move. two technicians pushed the car back into the lot. I was very upset and told them that since they messed my car up, then they can keep it. The worker asked me if I was surrendering the car, and I said I was. That was the last I had heard from them. About a month later, I receive a letter from the XXXX  XXXX, Missouri Police Department that my car had been impounded. I thought the letter was a prank letter, because I know I left that car with XXXX XXXX XXXX in XXXX, XXXX. No one contacted me from that dealership to let me know that they were taking the car to XXXX  XXXX. XXXX XXXX XXXX had my correct address in XXXX, so I do not know why they sent the car to Missouri.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one has been reporting late payments inaccurately on my consumer report. I have reached out to capital one on multiple occasions for a remedy.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! 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 ) I am Attaching identity and proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I recently challenged the validity of XXXX XXXX XXXX   account thats being reported on my most recent credit report. Upon challenging this XXXX  & XXXX  deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I had discovered my personal information is involved with the equifax data breach that occurred in 2017. I had. Filed a claim with equifax data breach and submitted evidence of how my life has been impacted and can not restore any of the theft and fraudulent claims to all my the accounts on my credit report, and I am still suffering and discovering more unusual fraudulent activity with my personal information till this day. I have been keeping up with updates about the case logging into account to see if any updates or case settled or any status since the past 6 years. Now that the case has finally recieved a settlement and issues its victims reimbursements who have been part of the breach I get a email telling me my claim has been denied for not submitting the documents as requested which is not true I did submit everything. Also XXXX cant reach anyone or contact anyone for this reason of why is my claim denied or why wasnt I notified in advance. I was not able to even get the equifax protection plan that they offered to claimants involved, no identity restoration or anything.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan, a XXXX loan, was first serviced by XXXX XXXX XXXX, which no longer has the loan, as the contract with the US Dept of Education was cancelled. I have never been late nor missed a payment. 

My credit files show that the loan was 120 day late in XX/XX/XXXX of 2012 as  reported incorrectly by US Dept of Ed - XXXX, which was the loan servicer that no longer exists. 

This makes no sense because it is showing as current the month before and after.
Product: Credit reporting, credit repair services, or other personal consumer reports

I left these out on the other complaint. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Cc : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX REF : Confirmation Number XXXX I am writing to dispute the following data in my credit file. I have listed all inquiries below. It is a letter meant to bring unnoticed mistakes to Equifax 's attention. I am begging that these fraudulent items be detached from my credit file and correct my credit report 's data. I have severe problems with XXXX XXXXXXXX XXXX! These kinds of companies are probably responsible for different breaches at Equifax. 
My credit file was a breach was years ago without any compensation. I completed all the appropriate I am still trying to get my V. A. Loan that I have rightly earned. I sent certified letters to you all over sixty days ago. Please delete these as soon as possible. I will keep pushing these removals until I am entirely content with this simple process. Why can I not get my V.A. Loan by no fault of my own? 
Why should my family continue to stay in a XXXX since I can not obtain a loan? Why has this been going on for nearly two years? Why will Equifax not take their knee off the necks of XXXXXXXX XXXX, particularly my neck? I am begging to have these inquires, and you all will not let me breathe? Could you all show XXXX 's kindness to Veteran who risked his life in fighting for a country I love dearly? Equifax could make this right in a matter of minutes. 
Inquires 1- XXXX XXXX Show Details XXXX 2-XXXX XXXX XXXX Show Details XX/XX/XXXX 3-XXXX XXXX XXXX XXXXXXXX Show Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX is essentially owned by XXXX XXXX XXXX XXXX XXXX