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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXXXX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$27000.00}, XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX bal. {$71.00}. Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX fncl, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX
Product: Checking or savings account

Citibank had requested some XXXX documents earlier this year. I provided all the information requested. XX/XX/2019 Citibank called and sent email to confirm receiving the information. Despite confirming receipt of information, Citibank froze my account around XX/XX/19 resulting in check payments to be returned to payees. Citibank has since reinstated my account. However, Citibank will not provide a reason in writing why my account was blocked in the first place. On contacting Citibank Customer Care via their email system, I am asked to call a Citibank number XXXX. I did that which takes me to their general menu with no option to speak to a customer service rep. I sent a second email via their internal contact email but still get the same response - call this number.
Product: Debt collection

FMS FINANCIAL SOLUTIONS XXXX XXXX XXXX XXXX XXXX MD XXXX The above company has been fraudulently harassing and intimidating me and claiming to be a government agency. 

This company collected an illegal amount from my XXXX account which was originally reported here to this agency. 

FMS FINANCIAL SOLUTIONS has placed several bogus claim and report on my credit file. 

Every attempt to contact FMS FINANCIAL SOLUTIONS has failed as they operate illegally or refuse to answer my calls. 

FMS FINANCIAL SOLUTIONS is collecting an amount that is illegal or as a result of covid-19 pandemic that caused me not to appear in court. 

CURRENTLY I have no idea of the amount or circumstances leading to the collection attempt
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is para

mount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are d amaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

in XX/XX/year> i have continuously tried to recover over XXXX from citibank and ive been extremely patient yet unsuccessful and told i would receive responses back and never have even 2 years later
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Transunion that I am a victim of identity theft and the responded that they verified a fraudulent account to belong to me. I would like to know how and when transuion was able to verify a account that someone fraudulently put in my name by using my personal information
Product: Credit reporting or other personal consumer reports

Credit stated I have open accounts when they were closed years ago.. and also a couple of school loans I know nothing about
Product: Credit reporting or other personal consumer reports

Due to Identity theft and or Incorrect Reporting there are several addresses published on my credit report that I have not legally resided at.
Product: Mortgage

We are trying to close on this property ( we are the sellers ) and suffered a loss due to theft of copper pipes, appliances, and damage to doors and floors. We jumped through every hoop set forth by Midland including the contractor choice being influenced by them in order to get the check endorsed by them and expedited back to us. We got them the insurance check on this Tuesday morning ( the XXXX ). The person we spoke with on Tuesday or Wednesday indicated Midland had everything they needed to get the check endorsed and sent back to us overnight per our request. The contractor will not start work until they are paid in full because the bulk of the bid is for materials and appliances. 

Now we are being told that they are treating this case per their delinquent mortgage process because they have us listed as and reported as delinquent under the CARES Act COVID forbearance we signed up for. They state this is because we were delinquent as of XX/XX/20 even though we brought the loan current by way of a permanent XXXX after XX/XX/20. We requested the CARES Act COVID forbearance as of XX/XX/20. As a result of their misinterpretation of the CARES Act, they are reporting us as late and will only release the insurance proceeds in stages, which our contractor will not accept and will not perform any work on or purchase materials for the property until they receive all the funds. 

This is putting us at a disadvantage because Midland and its fraudulent practices are keeping us financially beholden to them and preventing us the means to pay this mortgage loan off in full. Our buyer might back out if the closing is pushed out again. The only thing holding up payment of the mortgage loan in full is Midland itself. Failure to pay this loan off is also harming HUD as this is an FHA loan.
Product: Credit card or prepaid card

i had barclays card and there was an auto repair purchase on there that I disputed becuase the repairs weren't done correctly and my car still didnt work Barclays gave me the money back then took it back and gave it back to the shady mechanic
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit reports shows an account ending in XXXX from well fargos. Account is not mine. I called well Fargo and they looked up my account amusing my social security number. The lady, Marge, indicated there is no account under that social with well a Fargo. Which I knew I never opened an account with Wells Fargo. She states a customer advocate from well Fargo would call me. I believe wells Fargo opened this account without my knowdledge and later closed it and its still reporting on my credit reports. Well Fargo has a long history of opening up accounts without peoples knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 items 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 items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX/XXXX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$4000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and XXXX have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX
Product: Checking or savings account

Company : Marcus by Goldman Sachs Re : Auto-renewal of CD for a non existent product without proper notification period and no market rate adjustment CD expired on XXXX XXXX XXXX Markus called once and asked to call back. I forgot to call back. 
I called back on XXXX XXXX since CD status was " undecided '' in the app. I wanted to move the money from CD to my joint account in the same bank. 

Three different customer representatives failed to find a resolution ( time spent on the phone over 85 minutes ). None of the representatives were able to answer four questions : 1. how much time does a customer have to decide what to do with money after CD matures 2. tell me what would be the penalty if I move my money out of the " new '' CD 3. why my CD was auto renewed in their systems but not reflected in the app so I did not receive any notification 4. why was the CD renewed at a 1.1 % rate without market adjustment. 
Customer Service opened a case... 

Checked the app again on XX/XX/XXXX. Someone had updated the status in my application that I auto-renewed the CD. Which is NOT what I did. 

Called Customer care on XX/XX/XXXX. Asked to speak to someone senior. Asked same questions. Waited on the phone for 35 minutes only to be dropped off. Case still pending resolution.
Product: Checking or savings account

I have 3 accounts with Synchrony Bank, one called " HIGH Yield Savings '' and the bank has locked my account and will not let me withdraw my funds. They haven't sent me statements for over a year. I called to find out why they have this lock. The first agent refused to tell me. She is located in the XXXX. I finally got her to transfer my call to her supervisor, in XXXX. He tells me that when I opened the account through an electronic transfer well over a year ago, I did not have sufficient funds in my account at the XXXX XXXX XXXX XXXX, and they placed a lock on my account. I was never notified of this by either Synchrony Bank nor by the XXXX XXXX XXXX XXXX. I doubt that this happened. In any case, when they did get the funds they did not release the lock. They, at the moment, still have a lock on the account and tell me it will take several weeks to release the lock!
Product: Debt collection

In accordance with the Fair Credit Reporting ag XXXX XXXX Account 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
Product: Debt collection

Nationstar/Mr.Cooper accepted a letter of accord and satisfaction and draft note on XX/XX/year> for account number XXXX. XXXX of draft note was made on XX/XX/year> in the amount of {$1000.00} no return response was made within 60 days of the receipt and deposit of this draft note under NYS UCC 3-311 Nationstar/ Mr.Cooper has accepted for value the letter of accord and satisfaction. IRS forms XXXX XXXX, XXXX, XXXX have been filed to show that my tax credits have been used to fund the note. Filing of XXXX XXXX in XXXX XXXX also shows that I am the drawer of the note with interest in the note.
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 ( CFFPA ). 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 action have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Credit reporting or other personal consumer reports

Complaint to the Consumer Financial Protection Bureau ( CFPB ) Subject : Erroneous Late Payment Reporting and XXXX XXXX XXXX by XXXX XXXX Summary : I am filing this complaint against XXXX XXXX for the erroneous reporting of late payments on my credit report, which has caused significant and unjust damage to my credit score. Despite multiple attempts to resolve the issue directly with XXXX XXXX, they have refused to correct their mistake, leading to ongoing financial harm. 

Details : Initial Late Payment Error ( XX/XX/XXXX ) : On XX/XX/XXXX, I made my monthly loan payment to XXXX XXXX, well before the due date of XX/XX/XXXX. However, the payment sat pending in XXXX XXXX payment portal until XX/XX/XXXX. On XX/XX/XXXX, despite the payment being made on time, XXXX XXXX incorrectly reported a late payment. 
I immediately contacted XXXX XXXX, providing evidence that my payment was submitted on time. Nevertheless, they refused to reverse the late payment, resulting in a significant and unwarranted impact on my credit score. 
Request for Extension and Additional Late Payment ( XX/XX/XXXX ) : On XX/XX/XXXX, due to economic hardships and unexpected vehicle issues, I requested an extension on my payment from XXXX XXXX. They agreed to the extension, provided that I paid {$150.00} in interest, which I promptly paid before the new due date. 
Despite my compliance and efforts to avoid another late payment, I was notified on XX/XX/XXXX, that XXXX XXXX had again reported a late payment on my credit report. This reporting is entirely unjustified, as the extension was granted to prevent exactly this outcome. 
Impact : The erroneous late payments have caused a catastrophic XXXX drop in my credit score. 
This has not only affected my financial standing but also caused significant emotional distress, as I have consistently paid my loan on time for many months. 
Legal Grounds : XXXX XXXX  actions violate the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681, which requires that furnishers of information ensure the accuracy and integrity of the data they report to credit agencies. 
Additionally, their refusal to correct this clear error is a violation of the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692, which protects consumers from unfair and inaccurate credit reporting practices. 
Request for Resolution : I respectfully request that the CFPB intervene to ensure XXXX XXXX corrects these erroneous late payments on my credit report. 
I also seek compensation for the damage to my credit score and assurance that XXXX XXXX will adhere to accurate and fair reporting practices in the future. 
Attachments : ( Include any relevant documentation such as payment receipts, communications with XXXX XXXX, and credit reports showing the impact on your score. ) Conclusion : XXXX XXXX refusal to correct their mistake has caused significant and ongoing harm. I seek the CFPBs assistance in resolving this matter fairly and restoring my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 45 days and I have not received any investigation reports. This creditor has reported a late payment my report which is incorrect, and I am asking this be deleted immediately. XXXX XXXX late payment.
Product: Credit card or prepaid card

I was overcharged twice by XXXX XXXX XXXX XXXXXXXX during my stay from XX/XX/2022 through XX/XX/2022. I was prepaying one week in advance. The hotel double-charged me on : XX/XX/2022 for {$590.00} and on XX/XX/2022 for {$550.00}. I was laid off my job on XX/XX/2022, so I left the hotel on XXXX XXXX. They should have refunded me for the {$550.00} as I didn't stay for that week ( prepaid ) and there was a second debit from my credit card on XX/XX/2022. 
I sent a detailed schedule to Citibank that demonstrated the dates I was at the hotel and corresponding payment from my credit card and one payment from my debit card. The schedule clearly shows the two overcharges. Citibank temporarily reversed the charges in XXXX, but last week they returned the charges. I was clearly overcharged when you match payments to dates of stay. The entire ordeal has been extremely stressful. Now, I am out of pocket {$1100.00}. Each time I call the Citibank, I am on hold for extended periods. The Citibank representatives I have spoken with have been unwilling to assist me. They claim it is my fault for not responding - but I have responded. When I called XXXX XXXX to voice my concerns, they hung up on me!
Product: Money transfer, virtual currency, or money service

Early on XXXX XXXX I received a text from Coinbase that my password had been changed, so I changed it agan to enter my account.

I tried contacting customer service and of course its automated and I couldnt make any headway with Coinbase. I was given a sort of reference number for my complaint and was told I would be contacted. I went to my bank account and I come to find out whoever hacked into my Coinbase account was trying to empty my personal bank account. I immediately called my bank and froze the accounts.

I was able to stop the theft at my personal account, but as far as my Coinbase account Ive had no progress. I had invested amount of {$10000.00} and had a value of about {$18000.00} at the time of the theft. Ive been reading about other Coinbase customers with the exact same problem. Many of those victims recommended I come here and also the FBI to file a complaint. Im in the process of hiring a lawyer. I would like some advice.
Product: Mortgage

I have submitted a bona-fide, duly recorded Deed/Title to your division contained in my complaint packet, but your agents continue to perjure themselves by saying they have not received it. I can prove the mail arrived at your XXXX, Iowa location, with the correct address ; but, you refuse to acknowledge the mailing, and therefore have committed mail fraud. Tampering with the mail is a federal offense, punishable by fine and imprisonment. The US Postal Service has confirmed that my letter of complaint reached your mail room. You are shielding criminals, and therefore acting as their messenger ( s ). Your Director, XXXX XXXX, will answer to his Senate Critics for this. Your Bureau is shallow, shady, and needs not only to clean up its act, but to be disassembled and reassembled. I will not rest until the world knows that your Director is in bed with XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX and partner in crime XXXX XXXX, XXXX XXXX of XXXX Bank and XXXX XXXX of Ocwen Loans. All of your are guilty of suborning perjury, obstruction of justice, and violation of the Dodd-Frank Wall Street Act. This will all blow wide open, and I hope all of you end up in prison!