23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Between XX/XX/XXXX and XX/XX/2024, fraudsters contacted me via Citibanks 's legitimate alerts thread telling me fraudulent activity had been detected on my debit card and that I should be expecting a call. I should press 1 for yes 2 for NO, just like the bank has legitimately asked me to do in the past with no issues. I spoke to a woman named XXXX and she told me that three illegal payments of XXXX dollars were scheduled out of my account via XXXX -- the XXXX XXXX XXXX  endorsed and used by the bank on its site and mobile app. She talked me through how to stop the payments from going out but it turned out that I was being groomed to in fact remove the money from my account via XXXX She pretended I was refunding myself. on XX/XX/XXXX I was alerted again that another amount of XXXX dollars was attempted to be debited from my account but this time it was real and when I asked how much money I had in my checking and savings it was XXXX dollars. My account was cleaned out. Citibank says it is investigating and i have filed an official police report under XXXX. However, though the bank has recouped about XXXX dollars of fraudulent debits, they have yet to refund the XXXX that was taken via these fraudulent XXXX transfers and refuse to assure me they will. My account is frozen.
Product: Checking or savings account

On XX/XX/2023, Schwab sent me an email regarding my checking account saying " Please confirm your address within 60 days. '' The email contained no other details. I immediately confirmed my address on their website and confirmed with their online chat that my account was in good standing. 

Despite this, on XX/XX/2023, I again received an email from Schwab saying to confirm my address or it would be closed by XX/XX/2023. The email claimed " We recently noticed international activity in your Schwab Bank account ( s ) shown below, which may indicate you reside outside the U.S. '' I again confirmed my US address on their website and was told by Schwab online chat that my account was fine now. Since it was clear Schwab had no idea what it was doing, I twice sent a written letter to Schwab via their website asking them to confirm in writing that my account is in good standing. Schwab never replied to these letters. 

On XX/XX/2023, I received a third email, again asking me to confirm my account address because of " international activity ''. I again confirmed my address with Schwab 's online chat and they told me everything was fine now. I also submitted a travel notice.

I have zero confidence Schwab won't close my account in XXXX despite their assurances. I want written confirmation that the account is in good standing and compensation for wasting my time. I've had this account for over 15 years with no issues until now.
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 Experian and 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 : LIST OF HARD INQUIRIES TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These several fraudulent hard inquiries and 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 hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX I received a notification on my XXXX XXXX account that Exter Finance is reporting on my credit the account as a repossession when they do not have possession of the vehicle, that is illegal to be reporting inaccurate information to the bureaus. In that matter I am not responsible for any debt for this company. I need them to show proof of my signatures stating that the vehicle has been repossessed. They are now committing identity fraud and violating my rights by knowingly furnishing information on my credit report that they weren't prvivied to. I do not owe Exter Finance anything. They have also put a block on my license which is also illegal.
Product: Credit card or prepaid card

Let me begin by stating that I, as the natural person is the original creditor, and credit is my RIGHT granted pursuant to 15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term person means a natural person or an organization ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.

( g ) The term creditor refers only to a person I would like to inform the Consumer Financial Protection Bureau of the violations of this company under the Truth In Lending Act ( TILA ) & the Equal Credit Opportunity Act. 
I applied for an extension of credit on XX/XX/2021 and engaged in a consumer credit transaction pursuant to 15 USC 1602 ( i ) and was denied extension of my credit by this company. This company has violated 15 USC 1681a ( k ) ( iv ( II ) & 15 USC 1691 ( d ) ( 6 ) - Adverse Action, because the action that this company took was adverse to the interest of myself, the consumer. I have included the law here for reference.

15 U.S. Code 1681a ( k ) Adverse Action.

( iv ) an action taken or determination that is ( II ) adverse to the interests of the consumer.

Let me remind this company that pursuant to 15 USC 1602 ( j ) I have an open end consumer credit plan in which I am able to contemplate repeated transactions. There is no limit to the amount of credit I am able to extend myself as the original creditor. 
I contacted this company on XX/XX/2021 at XXXX EST and spoke with a representative to inform this company of their violations and to reconsider their determination of my application to prevent further concerns. I was met with harassment and further violations and this company refused to extend credit to me. I would like to further remind this company that they are in violation of 15 USC 1691 ( a ) ( 3 ) as this company has discriminated against me for my attempts to exercise my rights under 15 USC 1691- Equal Credit Opportunity and extend credit back to myself. It is discrimination for a creditor to invoke adverse action for a credit consumer transaction if that transaction was in part due to a consumer report. I have included this law here for reference 15 U.S. Code 1691 ( a ) Activities constituting discrimination ( 3 ) because the applicant has in good faith exercised any right under this chapter.

As you can see Consumer Financial Protection Bureau, This company has violated my rights as the natural person and a consumer. This company is held liable under 15 USC 1691c ( 1 ) ( A ) ( B ) and they are held liable for their discrimination and violations under the Federal Deposit Insurance Act, in addition to 15 USC 1691c ( c ) they are held liable under the Federal Trade Commission Act.

Before I continue to file for monetary damages because I, the consumer, have been mistreated by this company and they are held civilly liable under 15 USC 1691e ; I would like to hear their response in hopes that they reconsider their position. 

- I have also included the letter that they sent me after my application was denied for reference for this company Sincerely XXXX XXXX
Product: Debt collection

CREDIT SERVICE INTERNATIONAL XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Acct # XXXX Please provide a breakdown of fees including any collection costs and medical charges this company showed you to prove it was me. 
Provide a copy of my signature with the provider of service to release my medical information Please send this information to my address listed above and accept this letter, as my formal reinvestigation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an XXXX XXXX Account for {$260.00} showing on my credit report which is not mine.
Product: Mortgage

I have contacted Union Home Mortgage multiple times since they purchased my mortgage from XXXXXXXX XXXX UHM is holding the payments which I have made in suspension. The payments are not being applied to my mortgage. I have had my mortgage for 8 years with no issues. I have asked to them to correct the issue and the claim will but I have not. They claim the issue is caused my having filed bankruptcy in 2020. This is a lie, XXXX never had this issue. I told them what I know to be fact and that it is the mortgage software they are using " XXXX XXXX '' causing the payments to be placed in suspension. The software must be reprogramed. I worked on this same issue in the financial institution I used to work for.
Product: Debt collection

in XX/XX/XXXX i was garnisheed wages for a XXXX dollar credit card, as of XX/XX/XXXX XXXX/and XXXX out of XXXX have taken XXXX dollars out of my pay, this has brought a great hardship upon me, i work as a XXXX making only XXXX an hr. so as you can see, and so can they, there is no way i can afford an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
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 on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience an financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

The company opened two collections on my account about the same thing. they are trying to hit my score two times. I have contacted them and they say it is was in their power to open two different accounts for the same thing. The same account that is from the original debt is reported twice. Please check the place you will see it is the same account the company is mis representing the amount and causing double jeopardy on my report. This is blanket to hit my credit score. Please report them. Also they will not send out the full information to me. If you look at the report it is from XXXX XXXX XXXX.  BOTH the same date and almost the exact amount. The company has been reported for this before. I have attached also where they have clearly been shown disputed and removed by one reporting agency. Please advice would love to take to court. Thanks for your time.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it is fraudulent & was opened without my consent or knowledge XXXX XXXX XXXX Opened Date XX/XX/2014 Balance {$0.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit card or prepaid card

I purchased a subscription to XXXX XXXX and was immediately asked to respond to verify the purchase. I did and was told via text ( you're all set, and nothing more you need to do to use your card again. If your card was declined, go ahead and try again. It should work this time. ) Needless to say I was not happy. And expressed that to Capital One Employee. 
I then received another text message saying ( Don't worry ... we're blocking new purchases on your card to protect your card. Any unauthorized charges will remain on you account until you report them and order a new card. Sign into your account. ) Transaction amount {$130.00} Transaction time XXXX XX/XX/XXXX XX/XX/2018 I have text to support my claims
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, 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 USC 1681. 
XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX DIFFERENT SOCIAL SECURITY # SSN : XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1618c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any 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.
Product: Credit card or prepaid card

For twelve ( 12 ) years Ive been called a privileged member of the American Express Card, but it seems they change their minds, as they recently canceled my account without any notice. When I try to find out the reason for said cancellation, they alleged that they do it for three ( 3 ) reasons : I have a decrease in my credit score punctuation Two ( 2 ) late payments, One unpaid payment for insufficient funds First of all, my credit score punctuation has been the same for more than one year ; it doesnt decrease in any way, as they said. The two ( 2 ) late payments alleged, were made on the past year, not on this year, and it was the only time that this happens in the past 12 years of using the credit card. The called unpaid payment was a payment made in advance, as the account was on-date. If the reasons alleged were reasonable, then why they dont cancel my account during the past year, and decide to do it now. I will understand so, and will not feel angry for that, if there was a real understandable reason for the cancellation. I think that maybe their action now responds to a claim made a few days before ( the first-one I made in 12 years ), when I finally was oriented that during the 12 years I have accumulated a total of XXXX points, which is equivalent to {$10000.00}, and that I could use the points to pay the total amount due on my account up to that date, which was around {$6000.00}, and still have enough points to continue and keep on using the credit card. When I called to make that move and ask them to redeem the points acquired, they canceled the credit account and the points accumulated for said years without any notice or advise. Clearly it looks that this is a strategy for not redeem the points, in order to keep on receiving money from their members, instead of applying the points acquired to the account. In the past 12 years, every time I need to talk to someone by phone, there was a XXXX speaking person on the other side eager to help me. Since this situation happened, I ask for a reconsideration, and every time I try to call and ask for a XXXX speaking person to explain the situation, theres no one able to speak to me in XXXX, and I have to talk to an interpreter, which results humiliate for me, as it is difficult for me to understand all the terms in english. This is why after seeing your online page, I decide to write you, and ask you to assist me in this matter. I will be grateful for your assistance.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, have contacted the companies to confirm the information on the credit report and confirmed that the information is correct. by doing a deep look through my credit report I noticed that some of the information was not accurate. Also, I'm on social security and I'm on state insurance. 

medical payment XXXX  Account number # XXXX Address : XXXX  XXXX XXXX XXXX, XXXX, MD amount of {$500.00} In accordance with the Fair credit reporting act acct # XXXX has violated my rights. 

15 U.S.C 1681 section 604 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it's also stating a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, 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. 

XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX 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. Any 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 ) person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.