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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXXXXXX Balance : {$0.00} 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
Product: Debt collection

North American Recovery is attempting to collect on a debt I don't owe. I've already paid this debt off and it should not be reflecting on my credit file. I am requesting that this debt be removed off of my credit file as it is not accurate.
Product: Debt collection

Leafy Financial LLC has reported a collection on my credit report. Leafy Financial LLC is not licensed in the state of Delaware where I reside, therefore can not collect on this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$470.00} XXXX XXXXXXXX Balance : {$470.00} XXXXXXXX XXXXXXXX Balance : {$470.00}
Product: Bank account or service

On XXXX XXXX, 2017, I went to the Bank of America branch at XXXX XXXX XXXX, XXXX to deposit {$20.00} into XXXX of my sons bank account as a gift for XXXX Day from his mother and father. 

He lives in XXXX and there is a problem with mail theft in his building, so we do not mail him anything of value. 

Bank of America would not let me deposit the {$20.00} into his account unless I allowed them to copy PII ( my driver 's license ). I did show them my license. 

I have no association with the Bank of America and have no reason to allow them to copy personably identifiable information that may be used for non-security purposes or lost. 

Is there a federal law or regulation that allows a bank to mine information when XXXX is making a deposit of funds that is under the {$10000.00} amount?
Product: Credit reporting or other personal consumer reports

I have provided EQUIFAX with all the info and documentation of identity theft per the EQUIFAX data breach in which my info was leaked, I have multiple unauthorized inquiries that were disputed and in response, EQUIFAX willingly refuses to remove these inquiries which is in violation of 15 usc 1681c-2. The FTC as well as the Cfpb are aware of these documents and have notified EQUIFAX. It is not fair or right for my info to be leaked and these unauthorized and unverified inquiries to remain on my report without my consent. I demand these inquiries be removed immediately before further action is taken. According to 15 usc 1681c-2 : 1. **Blocking of Information** : - A consumer reporting agency must block the reporting of any information in a consumer 's file that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after receiving appropriate proof of the identity theft.

2. **Requirements for Blocking** : - The consumer must provide the consumer reporting agency with : - Appropriate proof of the identity of the consumer.

- A copy of an identity theft report.

- The identification of the information that is not related to any transaction by the consumer.

- A statement by the consumer that the information is not related to any transaction by the consumer.

3. **Notification to Furnishers** : - The consumer reporting agency must promptly notify the furnisher of the information that the information may be a result of identity theft and that it has been blocked. 

This heavily damages my ability to obtain credit and if not resolved I intend to take action. Consumer Reporting Agencies are required to act quickly to block the disputed information and must communicate with both the consumer and the furnisher of the information. They must also ensure that they have a process in place to handle these requests and to verify the legitimacy, this was not done within the 4 days that it is required which again is a VIOLATION. The date of my dispute is documented with the Cfpb as is the response from EQUIFAX. Now remove these inquiries IMMEDIATELY : 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Thank you
Product: Credit card or prepaid card

Amazon Store Credit Card offered & Services through Synchrony Bank, miss calculated the Statement balance especially when there are transactions involving 0 % APR of equal Pay spread over multiple months. Consumers who want to be punctual in their payments opt for Autopay [ Statement Balance ] are miss-lead in this very shady practice. I have called Synchrony bank customer support and complained about the promotional offer I choose was miscalculated. Transaction in questions was made on XX/XX/2019 for an amount to {$2200.00}, but this amount was included in the Statement balance [ # XXXX ] which was paid in full [ AutoPay ] on XX/XX/2019. Ideally, when there are promotional offer transactions in a given statement period, the statement balance should correctly represent, in my case [ ( XXXX - XXXX ) + ( XXXX ) = {$470.00}. 

Customer Service Manager I spoke with : Name - XXXX Employee ID - XXXX Bank - Synchrony Credit Card
Product: Checking or savings account

During XXXX out break I had a checking account with Wells Fargo and during that time they still were charging despite many attempts on my end to explain hardship with my employer closing because I work in childcare also being pregnant at that time.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX, XXXX  XXXX RE : INQUIRY REMOVAL While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( EXPERIAN ) permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

Do you know or have any idea how XXXX it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Product: Checking or savings account

I have an issue with a company that I suspect has sold fake shoes. I was also overcharged and I can prove the company has inflated the price and falsely advertised the shoes as rare. I have attempted to work it out with the merchant, they wont take back the shoes. The merchandise smells like plastic and has an itchy powder in them. My bank has some preconceived notions about me and they are not filing this correctly. So their response was to fight it out with the merchant. I am not happy with this as they are not responding. I have filed a complaint with the Attorney General and XXXX and I feel the bank has a responsibility to protect customers instead of using false judgements against their customers for a legit problem. I didnt authorize the charge via signature either and it is higher than marked.
Product: Debt collection

XXXXXXXX XXXX  account was fraudulent. I've never owned a XXXX cell phone. XXXX confirmed this is not my account. I have requested removal but the account continues as a collection. I sent police fraud report copies of my current address and XXXX bills showing I live in Arizona. This account was created on the XXXX XXXX of the XXXX.
Product: Credit reporting or other personal consumer reports

I have an inquiry on my credit report that is not mine. XXXX XXXX XX/XX/2024 XXXX
Product: Debt collection

You have XXXX derogatory marks on my credit report for the amounts of {$290.00}, {$390.00}, {$500.00} {$550.00} .I am writing to formally request validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. The account in question appears on my credit report and is being reported as delinquent. However, I do not recall any outstanding balances owed to you and would like verification of its accuracy and legitimacy. As required by the FDCPA, please provide the following : XXXX. Documentation verifying that the alleged debt is valid and that I am responsible for it. XXXX. The original contract or agreement bearing my signature that indicates I agreed to the terms of the debt. XXXX. A detailed breakdown of the amount claimed, including any fees, interest, or other charges. XXXX. Proof that your company is authorized to collect this debt on behalf of the original creditor. XXXX. Documentation showing that the debt complies with state and federal laws, including the statute of limitations. Until I receive the requested verification, I respectfully request that no negative information related to this account be reported to the credit bureaus. If this debt has already been reported, please contact the credit reporting agencies to have the account marked as in dispute. If you are unable to provide sufficient evidence to validate the alleged debt, I ask that it be removed from my credit report entirely in compliance with the Fair Credit Reporting Act ( FCRA ). Please note that this letter serves as my good faith effort to resolve the matter. I am prepared to take further action if my rights under the FDCPA and FCRA are not respected. Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation within XXXX days. Please respond in writing to the address provided above.
Product: Credit reporting, credit repair services, or other personal consumer reports

above plus : continued failure to investigate within 30 days- insists that credits give them " updates '' and takes sweet time instead of bureau removing the debt.
DEBT NEVER OWED, DENIED IN FULL under FCRA. IMPROPERLY REPORTING-yet shows CRETIFIED ACCURATE.
NO PROOF SENT TO ME of contact made to these companies 4 mos now.I demanded proof. I dont need to keep send in my blood type and starship name.YOU HAVE IT ON FILE. I HAVE NOT MOVED RECENTLY. STOP REPORTING THAT I HAVE to block access. 

refuses to remove these accounts. keeps " updating them '' instead. If the company XXXX me for over 12 mos now and STILL HAS THE ACCOUNT for some XXXX up reason ... I DONT OWE IT. YOU CANT EXTORT ME.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against Cash App ( Block.Inc. ) due to inadequate customer service and unfair practices, which violates 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 and financial loss, and I seek appropriate redress for those violations.
Product: Checking or savings account

In early XXXX someone reached out to me and said that they wanted to help me join an organization that is dedicated to helping one improve themselves and help others. There was an initial start-up cost and after conversing and gaining the trust of this individual. I believed that he wanted to help me with this cost. He sent me a check book and with my youthful ignorance I did not realize the checks were in my name. I agreed to cash a check for {$4200.00} and I sent it over to a XXXX XXXX wallet. After the transfer, my account showed that the check was redacted. My account still stands at a negative balance and I have no means to pay this off. All I want is for my account to be at a XXXX balance so I can close the account because this alleged organization has the account and routing number. I have no idea what to do and this XXXX XXXX is already hard enough. I informed the bank the what happened, but they are willing to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect names please delete : XXXX XXXX XXXX, XXXX, XXXX, I'll never live in the following addresses it is incorrect please XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX. I'll never work with the following Employer Please delete : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX  Delete all the unauthorized hard inquiries : 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 Please delete the following collection I'm a VICTIM of Identity theft I file the report : XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, 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 date of the receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports- ( a ) IN GENERAL Subject to subsection ( c ) any 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 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 following account ( s ) listed IMMEDIATELY! 


Account name : XXXX Date opened : XX/XX/XXXX Account number : XXXX Account name : XXXX XXXX Date opened : XX/XX/XXXX Account number : XXXX Account name : XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Account number : XXXX Account name : XXXX XXXX XXXX ( original creditor : XXXX XXXX  ) Date opened : XX/XX/XXXX Account number : XXXX Account name : XXXX XXXX Date opened : XX/XX/XXXX Account number : XXXX Account name : XXXX Date opened : XX/XX/XXXX Account number XXXX XXXX Account name : XXXX XXXX Date opened : XX/XX/XXXX Account number : XXXX
Product: Checking or savings account

On XX/XX/XXXX I lost my debit card I contacted Bank of America within several hours. My card was used at the ATM for {$1000.00} and than used twice at XXXX for {$400.00} cash and some groceries. Than this couple went to XXXX and again got {$200.00} and groceries and than spent {$27.00} at XXXX. I went to XXXX to view the couple on photos and the XXXX police were contacted and wrote a report. Bank of America claims that I was involved or allowed this person to use my card. I returned to XXXX XXXX to request viewing their photos of me that day. I would be contacted when the photos were located. The police officer was also there requesting the photos claiming the photos might show this same couple right behind me observing my PIN number being entered. Something BofA didnt do in their investigation. I believe I lost my card at the market
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my credit report from TransUnion that are not authorized and are fraudulent and would like to report and also have them removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried reconcile with the credit bureaus but no one wants to help me out. I have hard inquiries on my account that I do not recognize at all. I am currently still not looking to apply for anything so I dont understand why are they there. Ive gave them evidence stating I did not give these companies to check my credit at all. 
Inquires are : 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
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was contacted by a loan officer from Westlake Direct who informed me that Westlake had recently bought out XXXX, the company I pay a subscription fee of XXXX XXXX  monthly for my vehicle. I was informed that I had the option now of buying out my car and to put my XXXX XXXX monthly payments towards a loan through Westlake that would result in me owning my car at the end of the loan agreement. 
I asked the loan officer directly and clearly what was needed on my part. She said that I already prequalified and that she already started drawing up the loan terms. I expressed that I would only want to do this if the loan terms were less than what I was already paying for the subscription through XXXX. She told me that I needed to open up my credit file on XXXX because I had it locked so that she could do a soft pull on my credit which would not reflect on credit report. I agreed to a soft pull. A few days later I received a call where the same loan officer stated that although I have proven that I have been paying {$600.00} dollars a month without a single missed payment she was unable to get me a loan through Westlake. A day or two later I received a notification from XXXX saying that a new inquriy was listed on my report and it was from NOWCOM/Westlake. When I called the representative back from Westlake she stated that it was a softpull initially but her supervisor had to do a hard pull after we got off the phone. When i expressed my anger with not only getting a loan but also now having a inquiry on my credit file which will prevent me from building my credit and in the future qualifying for a loan or credit card, she apologized but stated there was nothing she can do. 
After looking deeper into the inquires section on my report I noticed that when I was car shopping in XX/XX/XXXX I applied for a loan through XXXX, where I was able to see that during that time XXXX allowed several auto loan companies to run my credit. I was told that XXXX was running my credit not the 15 other auto lenders. I felt completely bamboozled so reached out to XXXX to have these removed. They informed me that I had to go through CFPB to have them removed from my report by filing this report.
Product: Checking or savings account

My troubles started when I had to change phone carriers. In the process I was given a new phone number. I had no trouble establishing my identity with XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX. E*trade insisted on sending me a 6 digit code to several different old phone numbers they had on file. They never gave me the option of responding via email with their codes. 
I contacted an agent who sent me my new new Morgan Stanley Debit card and said he'd try to erase all my old nmbers on file. I waited a week and again tried to log onto my checking acct and was again given a code, and again, to another old phone number. I tried anyway. By this time my account was flagged for what they term, " Unusual Activity ''. 
I called them again and was told to submit a Customer Verification Form with a copy of my signature on any State ID 's. I waited several weeks and tried one more time to access my checking account to no avail. I sent another verification form to them with my new driver 's license and my notarized signature by my local XXXX XXXXXXXX XXXX XXXXXXXX. 
I don't know what else to do other then seek out help from you. These funds are all I have as a retired veteran. I've already been charged {$100.00} for two small checks I wrote to pay my water bill returned for insufficient funds. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem was fixed on XX/XX/2020 on XX/XX/2020 they reverted the problem back now its showing late again. The creditor reported it was never late
Product: Student loan

Hello, I called my student loan servicer, EdFinancial, on XX/XX/22 requesting a refund of {$10000.00} that I had paid during the COVID-19 pandemic. The customer service representative processed the refund request, but said that she could not provide me with any sort of receipt to prove I called and requested the refund. She also was unable to give me any sort of timeline of when to expect the funds to appear in my bank account, or when to expect the {$10000.00} to reappear on my loan balance.