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

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXXXXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I've noticed a lot of inquiries on my credit report the only ones show be XXXX XXXX XXXX XXXX  ones and XXXX nothing else I've dispute with exsperan but denied to remove I've been a victim of data breach with XXXX XXXX and XXXX  can u please help me get this off my credit reports thanks
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, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, Leaving my account vulnerable and unprotected.

Furthermore, their disputes resolution was unfair and deceptive, As they did not comply with error resolution requirements under the electronic Fund Transfer act ( EFTA ) and regulations E These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Debt collection

Merchants and Medical Credit began reporting on a debt they had acquired on XXXX XXXX 2014 and never sent written notice despite it being required under section 806 of the FDCPA. For 3 years they have been holding my financial life hostage and only recently came to my attention. Despite many disputes with the big three credit reporting agencies section 806 has been ignored and they have continued to break and ignore the proper procedures set forth by the FDCPA.
Product: Vehicle loan or lease

- US Bank website has many problems and glitches including but not limited to not being able to save bank account info, in addition, the system does not pass the account info correctly. 
- this resulted in -sometimes- that they said the bank account info is wrong which in fact it isnt, because I check them three times before sending. 
- in turn this resulted in late payments and late fees, and when I call to resolve, they dont waive the fees. 
- in turn when I pay the lease amount, it doesnt fulfill the full amount as the late fees carry over, which I turn accrue another late fee consequently. 
- basically its a scam and a lousy website. 
- finally, they sent me a letter that they reported the late fee to the credit bureau which will affect my credit score. 

So in a nutshell they are damaging my financial well-being.
Product: Credit card or prepaid card

I applied for Best Buy Citi credit card due to a new home purchase, and I wanted to buy appliances with the credit card. I processed the application and was approved for a limit of {$5000.00} on XX/XX/2021. On the same day, XX/XX/2021, I made a purchase for an XXXX XXXX and XXXX for approximately {$4500.00}. 

In between this time, I never received my card to my apartment at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I received a Best Buy representative call sometime around XXXX asking me if I made any charges between XX/XX/XXXX to XX/XX/XXXX, and I told the customer service rep that I never even received my card. The customer service rep filed a fraudulent claim and send over a new card. 

I received my new card I would say around end of XXXX, and I was never able to log in to the account. I made several attempts to call Citi to help me with login issues, and after about the XXXX attempt and a week later, I was able to finally log in to pay for the washer and dryer. 

After I made the payment, I purchased a XXXX refrigerator for around {$3500.00}. And I paid off the credit card payment around middle of XXXX. 

I received a phone from Fraud department from Citi around late XXXX, questioning and claiming if these charges came from my family members, like my wife. And when I told the rep, no. She pushed on saying maybe it did and I didn't know about it. This is when I escalated with her that she had no basis in her assumptions. She ended the call. 

I received a letter 2 days ago from Security Operations from Best Buy stating : " We have completed our investigation regarding your claim of unauthorized use on the above reference account. Based on our review, we have determined that you are responsible for the charges in question '' " The facts and/or information reviewed as part of the investigation does not substantiate the claim of unauthorize use. ''
Product: Debt collection

XXXX XXXX is the Company and CBSA is the collection agency. XXXX XXXX rent houses in the city of XXXX which is just outside of XXXX XXXX Texas, so its considered a military town. Check the history of XXXX XXXX, their known for primarily renting to soldiers who often get XXXX or restationed during their leasing contract. XXXX is known for keeping security deposits and charging people for damages that were already present upon arrival. The XXXX/XXXX  normally take care of the debt without investigating. That's exactly what happened to my Wife and I, but were not military. We left his property in better condition then when moved in, we repaired and upgraded several things in the home before we moved out. We broke our contract because my wife got a promotion with her job which relocated us to XXXX. We discussed the situation with XXXX and explained that my wifes employers were taking care of the contract for breaking the lease and they were paying the fees associated with the contract. In true XXXX fashion they keep our security deposit, charged us for not cleaning and added a list of repairs that wasn't even close to being true. This is the norm for XXXX and what they do to soldiers because they know the XXXX XXXX will take care of it, but were not in the XXXX. One of the problems is Mr. XXXX himself never will meet with you or discuss anything with you, he never answers your calls and his office is never open, it's just a building with no one in it. So we later found out that the matter was sent to CBSA collection. We talked to CBSA on several occasions to try to resolve the matter but to no avail. We even sent some payments to them and tried to work out some sort of settlement but there is no negotiating anything with this company, they want it all so I stopped paying because were being charge for things that just simply didnt happen. I hope this matter and this company is investigated and reported for these actions.
Product: Checking or savings account

I signed up for a smartly checking account and was approved on XX/XX/XXXX. When I signed up there was a sign up bonus that was similar to the following : U.S. Bank is offering a {$600.00} checking. Must use promo code XXXX. 
To earn up to {$600.00}, open a XXXX XXXXXXXX XXXX account online, in a branch or over the phone with an opening deposit of {$25.00}. Then complete the following activities within 90 days : Enroll in the U.S. Bank Mobile App or online banking.

Complete two or more direct deposits.

Your bonus is determined by the total amount of your direct deposits : Earn {$200.00} when your direct deposits total {$3000.00} to {$5900.00}. 
Earn {$400.00} when your direct deposits total {$6000.00} to {$9900.00}. 
Earn {$600.00} when your direct deposits total {$10000.00} or more. 


I believe that I completed these direct deposits on XX/XX/XXXX. I believe that the fine print said that bonuses would be added 90 days after the date of the last direct deposit. 

I attempted to contact US Bank on XX/XX/XXXX twice via phone. On the first attempt I was transferred multiple times then left on hold, and when attempting to call back later on the given phone number for bank account bonus support the automated system hung up on me multiple times when I attempted to use it.
Product: Mortgage

o Wells Fargo- Staff/Managers/and Underwriter : - if anyone at all ... 
I XXXX XXXX XXXX have FULL AUTHORITY to act on behalf of XXXX XXXX per POA attached, as well as income trust. I also have a vested interest in this property as owner per quit claim deed dated XXXXI do itemize my tax returns as I handle/manage the property for XXXX XXXX and am a fully vested owner, I have the right to claim on my takes and a legal right/duty to collect/pay rent/make repairs etc on behalf of XXXX XXXX for XXXX XXXX . I as owner per my attorney have the right to handle her affairs concerning her HOMESTEADED PROPERTY. We are asking for the 3 month mod due to the back to back hurricane HERMINE XXXX and IRMA XXXX. We deserve this assistance just like everyone else because this was caused by Natural disaster Hurricane IRMA. I  had saved the 5 payments as I was informed not to pay during the review period. ( never believe anything you are told -usually not accurate- think common sense-save the $ ) .Thank XXXX I did save the $ I received as rent as I was forced to make payment today XX/XX/XXXX of those funds for 5 months @ {$3600.00} confirmation # XXXX with XXXX ID # XXXX, after speaking to XXXX XXXX supv . I have waited since XX/XX/XXXX for this mess to come to an end. Still unfair resolve with no end for us. As you are aware the servicing transfer of this loan takes place XX/XX/XXXX and we will be dumped on someone else to sort out the MESS ( bet you cant wait- but this is NOT the end of this I promise you ) as time is of the essence for me to resolve this on behalf of XXXX XXXX and the NUMEROUS months we have been strung along. I have enclosed every piece of documentation available to better assistance you with clarity of the entire picture of what happened. Bottom line I as POA and legal vested owner of the property with XXXX XXXX am requesting assistance for the 3 months we HAD TO use the mortgage payments to repair this property due to hurricane. Your reps told us to repair the property and workout options would be available to bring the loan up to date once it ended. For my loan XXXX not problem streamline mod no doc. For some reason ( more equity I believe ) you refuse to work with us on this loan. Please review all the documentation concerning this loan as well as my loan, which Wells Fargo error on XXXX affected this loan as well. Please contact me @ XXXX. Best Regards XXXX XXXX XXXX POA for XXXX XXXX XX/XX/XXXX. 
** see additional items attached
Product: Debt collection

Re : case # XXXX XXXX First Portfolio Ventures in XXXX XXXX XXXX Plaintiff told court that they had 'perfected service on me ' regarding this case. 

From middle XX/XX/2020 to late XX/XX/2020, I was hospitalized with a life-threatening medical emergency and required XXXX XXXX XXXX XXXX XXXX. During this time, I was completely unaware that any proceeding was being levied against me by First Portfolio Ventures I LLC through their legal counsel of XXXX XXXX. 

Because of this life-threatening medical emergency, I was physically incapacitated and could not have made any kind of response even if I had known that this was going on. Proof of Medical Records of this can be provided upon request. While I was in the hospital and in rehab, there was no one authorized to sign any signature cards for certified mail on my behalf. 

I believe that XXXX XXXX has submitted falsified documentation to the court that they perfected service on me. I requested that the documentation they submitted to the court be provided to me for verification of signature. None has been forthcoming. 

I consulted an attorney on this and was told " Mail carriers have been signing for certified mail deliveries themselves during the pandemic. This may have happened in your case. You might be able to get the default judgment thrown out if that is what happened. ''
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear Sir/Madam, I am writing to formally dispute a debt that has been wrongly attributed to me by Discover Bank . This debt is the result of identity theft, and I request your assistance in investigating and removing this fraudulent debt from my credit report. 

Details of the Disputed Debt : Creditor : Discover Bank Account Number : ending # XXXX Amount of Debt : {$12000.00} Date of Fraudulent Account Opening : XX/XX/year> I was recently made aware of this debt on my credit report, and after reviewing the information, I can confirm that I did not open this account or authorize any transactions associated with it. This is a clear case of identity theft, and I have taken steps to protect my identity, including filing a FTC report and placing fraud alerts on my credit reports with the major credit bureaus. 

Enclosed are copies of the following documents to support my dispute : A copy of the FTC report related to the identity theft. 
A copy of my government-issued passport to verify my identity. 

I request that the CFPB conduct an investigation into this matter and that Discover Bank be notified to cease all collection activities for this account. Additionally, I ask that this account be removed from my credit report as soon as possible. 

Please confirm receipt of this dispute letter and notify me of the steps taken to resolve this issue. I appreciate your prompt attention to this matter and look forward to your assistance in resolving this fraudulent debt. 

Thank you for your time and cooperation.
Product: Credit reporting or other personal consumer reports

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! ( XXXXXXXX XXXX XXXX account XXXX XXXX also XXXX and XXXX shows a different account # which is # XXXX ) I am Attaching identity and proof of address.
Product: Debt collection

This company continues to report an account on my credit report which can not prove this debt is mines. I told them i am a fraud victim. They continue to assist that i owe this debt from CAVALRY PORTFOLIO SERVIC. I reported an extended fraud alert on my credit on XX/XX/2014.
Product: Credit reporting or other personal consumer reports

Transunion I want this message deleted from my credit report asap MESSAGE EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT
Product: Mortgage

My loan was recently moved from XXXX to Citizens. I am behind on my mortgage. XXXX was trying to help me, offered a payment plan ( doubling my monthly payment ) but at least it was something. Citizens will not help me and is forcing me into foreclosure. I called them and offered to send $ XXXX today, total with fees due is $ XXXX. They will not take less than $ XXXX and as of XX/XX/XXXX they will not take less than $ XXXX. They offered me to apply for a loan modification program, but I was denied by XXXX. I don't need it modified, I just fell behind due to a loss of employment/income/covid and now they will not help me. How is this legal? I am going to reach out to my senator and congressman also. This should be an illegal practice. I am offering to pay 58 % of what is outstanding and they will not take it? Also when I call I am speaking to people in call centers outside of the US. Also I am getting letters from XXXX XXXX XXXX XXXX ( certified and regular mail ) stating my file is with them and I should call them. I called them on XXXX and didn't hear back. I called Citizens and they acknowledge this is a firm they use, but my file is not with them and I should not pay them. Is this a SCAM? XXXX is demanding payment and foreclosure via email, which Citizens says my file is not in foreclosure. I reached out to the XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and this past Thursday and no response. email I am using is XXXX. 

At this time, I would like the bank to accept my payment of $ XXXX and work with me on the balance due. I can afford to stay here, I am not sure why the bank will not help me. They are forcing me to start a modification process which they will not approve in the end.
Product: Prepaid card

Trying to use AMEX Gift Card. Will not work anywhere. XXXX is active. Balance of {$2000.00}
Product: Checking or savings account

Sat XX/XX/XXXX I used ATM machine a local bank of america XXXX in XXXX, Florida. I deposited a check in ATM machine for {$2200.00}. XXXX kept my check and did not post funds to my account. This was at XXXX. I went into the branch where no one would help. I get a telephone number to call. I go home I call bank of america. I file a claim. I get no information on when I will get my funds. I call the next day XX/XX/23 and I'm told the claims dept isn't open on the weekends and I should call back on Monday XX/XX/23. I call back a 3rd time to be told that they are back logged and will not give me a temporary credit until someone is able to research and watch the camera to make sure I deposited the check like I said I had. Then I'm told that I will not receive any credit until 2 weeks from now. Also it could take up to 30 days to complete my claim. This is XXXX  week. It was a bank of america check, written to a bank of america customer deposited into a bank of america machine. I have been a loyal customer for 18 yrs. I have a credit and savings account with them. For me to be treated this way over a broken ATM machine, especially during a holiday week is unacceptable. I shouldn't have to chose between paying my bills or feeding my family XXXX dinner because of their ATM machine error. I'm beyond upset. The last person in the phone wants to tell me my feelings are validated and that's all they can do. Excuse me? It's XXXX and I need to pay bills and feed my family and your keeping my money and I'm supposed to feel better because my feelings are validated.? I will get this resolved one way or another and never do business with bank of america again.
Product: Debt collection

I opened up my first credit card this year with XXXX  XXXX XXXX then I downloaded XXXX XXXX to make an account to make an account using my social security card and it said it was already being used. I tried many ways to get access the account and I logged in and saw a collection from 2020 that I did not do
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Experian Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX  XXXX Late Payment Account XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Inquiry I believe that these items are inaccurate and do not reflect my true credit history. As per the Fair Credit Reporting Act, all information reported on my credit report must be accurate and verifiable. However, the items listed above are either outdated, incorrect or do not belong to me. 



Regarding the late payment accounts, I would like to inform you that I have been a responsible borrower and have always paid my bills on time. Any late payments made were due to unforeseen circumstances and were not a result of my negligence or inability to pay. 



As for the charged off accounts, I dispute their validity as I have no record of any outstanding debt with these institutions. I request that you provide me with detailed information on these accounts, including the name of the creditor, the account number, and the amount owed. 



Furthermore, I request that you investigate the inquiries made by XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I do not have any business dealings with these institutions and I am concerned that my personal information may have been compromised. 



I kindly request that you remove these items from my credit report or provide me with evidence that proves their validity. I look forward to hearing back from you soon. 



Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I requested distribution ( roll over ) of an Roth IRA account from TCF Bank to XXXX on the amount of {$6100.00}. My TCF account number XXXX. 
On XX/XX/XXXX I noticed that my money from this account wasn't transferred. I called TCF representative, she apologized for not transferring money as requested and she told me she will send the check to XXXX the same day, and the XXXX should received them within XXXX business days. 
On XX/XX/XXXX I called XXXX representative and the check didn't arrived. We had a conversation with TCF and XXXX at the same time and TCF representative told us the check will be send today on XX/XX/XXXX and I have to wait 2 weeks. 
On XX/XX/XXXX I had another conversation with XXXX and TCF and we have been told that TCF didn't send any check on XX/XX/XXXX. The said it was just one check send on XX/XX/XXXX. The XXXX representative ask about the address the check was send and TCF was unable to provide this information. We were informed we have to wait 90 days to start to investigate. 
On XX/XX/XXXX I spoke with XXXX - TCF manager and asked why the transfer didn't go through and why I have been dis informed that check was send on XX/XX/XXXX. She couldn't answer those questions and unfortunately I lost connection with her during my conversation. 
As of today it has been 39 days of waiting and I am very positive that the check won't arrived to XXXX withing those 90 days period. 
I hope someone will be able to help me to solve the problem. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 approximately XXXX received notification from ID monitoring service XXXX XXXX placed a hard inquiry. Notified XXXX of fraud ( XXXX ), Equifax ( XXXX ). Filed police report ( XXXX ) FTC ( XXXX ), OIG ( XXXX ), Utilities exchange ( XXXX XXXX, XXXX fraud forms sent XXXX ( XXXX ), Insurance claim filed ( XXXX ). Fraud report received from XXXX XXXX stated the perpetrator used my maiden name, my social security number and my old mailing address to attempt to obtain cellular service twice. The hard inquiry from XXXX XXXX still remains on my Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax on XXXX, XXXX, and XXXX. Each letter that was sent back to me from Equifax did not include any evidence of these inquiries being mine with my wet signature nor with XXXX 's account number XXXX. Which is currently reporting as late, and the account was supposedly closed years ago. I also sent in my FTC report, and they still refuse to correct and update my report. According to 15 USC 1681 b permissible purpose. It's illegal for companies and credit bureaus to report on my report if I didn't provide written consent to the bureaus to report anything to continue reporting this is identity theft.