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

I XXXX XXXX born on the XX/XX/XXXX & XXXX XXXX born on the XX/XX/XXXX residence of XXXX XXXX XXXX XXXX XXXX XXXX have been victims of firstly professional hackers that have hacked into our phones, bank accounts, XXXX, email. We have had over {$22000.00} hacked out of our accounts and our personal identity stolen. These hackers have made personal loans in our names because they had access to all our personal information from our emails and bank accounts. 
We had to freeze all our accounts our credit cards had been hacked and cash advance payments made. 
My wife was in a car accident she applied to her super to fix her XXXX  and when she got the funds the money was hacked out of our account the next day. 
We have made a fraud pack to the police and we ca provide a police report. 
We are frustrated because we have reported this to the credit score bodies we are have the XXXX XXXX XXXX  whom we have been paying since XX/XX/XXXX to clear this issue and have yet to resolve the issues. The hackers started during XXXX with XXXXXXXX hacking into our account money then went big and we had trading companies hacking into our accounts No have we just lost at least {$25000.00} out of our accounts they made coin spot transactions and wise transfer transactions in our name. They open these accounts in our name without our authority but the banks and other companies claim no responsibility. Now we have the XXXX of a horrible credit score that once was perfect. We cant even apply for loans. 
We explained that we have missed payments because our accounts were locked due to banks investigating the fraud. 
All our enquires are falling on deaf ears. My wife  is now opened a successful business but cant take out a loan because of our credit score. 
We have noticed that a XXXX XXXX default is on our name which we never applied for this loan. 
We have allowed months to go by without complaint but now we have had enough. 
We need our credit score fixed ASAP because we want to move on with our lives our business is on hold.
Product: Credit card or prepaid card

I applied online for the Jetblue XXXX XXXX in XXXX of XXXX ; it was approved instantly. Once I received the card, I tried to make a purchase and it was declined. I contact Barclay and was told several conflicting information regarding verification. Firstly, I was led to believe it was my phone # ( I changed my cell phone in XXXX of XXXX ). I believe they were trying to verify me using the old #. Secondly, I purchased my home in XXXX of XXXX, so I think that also was an issue. The problem with that is I update my account with the company. I have another credit card with this incompetent company. Thirdly, I was asked to submit my 1040 tax return, current utility bill and copy of my drivers license ; I did but with resistance. Finally, they received the documents but told me my 1040 form was not acceptable but I was not given a reason why. I finally told them I am done, I will not submit another document. On XX/XX/XXXX, I received an email informing me that I have a bill due in XXXX for {$99.00} from this said company. I knew it was the annual fee but why would I get charged the fee on a card that is not yet able for use? I call the company on XX/XX/XXXX to inquire about the charges, to check the status of the card, and to vent about the frustration of this poor inadequate system. I was told my social security number is the problem. Not sure how my SS is the problem, not sure if I used the wrong SS to apply for the card that was initially approved. I know it is not the SS # on Form 1040. I asked to have the {$99.00} removed and to close the account. In the conversation, the representative read a statement regarding the card I asked to close and I heard something that lead me to ask a question. Apparently, the {$99.00} was charged back in XXXX and I was not notified. The rep indicated that I selected a paperless statement ; I asked her when did I do that, especially since I was locked out of my online account in XXXX. I could not access my other account until XX/XX/XXXX after I closed the Jetblue XXXX XXXX. I was told that my password was locked. Not completely true, another rep told me I could not access my other account because of the current issue. The same steps I took on XX/XX/XXXX to access my account are the steps I took hours before calling customer service. This experience was so frustrating. This is by far the worst company and process I have ever dealt with. Why approve a credit card and then have the customer prove their identity AFTER approval? I think the {$99.00} fee charged in XXXX without a statement or without my knowledge impacted my over 800 credit score. XXXX off with that. I have dealt with this issue since XXXX. Calls got disconnected from their end and no one call back. I had to hold for over 30 minutes at times. This is simply a horrible company to do business with.
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Collections law firm Gurstel Law Firm ( XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX  XXXX and XXXX XXXX XXXX  XXXX XXXX / XXXX XXXX  XXXX ) obtained a writ of execution on XX/XX/22. On XX/XX/22, they executed the first of XXXX garnishments. On XX/XX/22 I notified them ( through an attorney ) that I was in XXXX when the lawsuit was filed and served at my old address ( bad service ). On XX/XX/22 I settled the judgment for XXXX XXXX ( {$3400.00}, through an attorney ) and paid that amount on XX/XX/22. Gurstel continued to receive my garnished wages ( XX/XX/22 and XX/XX/22, {$1000.00} per check from XXXX XXXX XXXX XXXX sent to Gurstel ) ) and refused to return the garnished wages despite my making a demand for return of the over-garnishment on XX/XX/22 and XX/XX/22 ( through an attorney ). 

This would be the perfect case for the CFPB to initiate a lawsuit like CFPB XXXX XXXX XXXX XXXX XXXX XXXX, P.C XXXX As reflected by the numerous negative yelp comments, the Gurstel Law Firm is abusing the judicial system by collecting monies from debtors who have no knowledge of their legal rights and can not afford to defend themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXXXXXX Date Opened XXXX. XXXX, XXXX  XXXX : {$0.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX SSN LAST FOUR - XXXX Wakefield & Associates is using an intimidation tactic by placing the medical debts on my credit reports ( XXXX, XXXX  & XXXX ) They have claimed to verify validated the medical debts with just a statement of what they claimed I owe. The Federal Trade Commission says that's NOT enough, I have NO signed contracts with this firm or their client. Therefore I am requesting they remove all 2 tradelines from all 3 credit bureaus with my name and social security number
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccurate information on my TransUnion credit report, as per the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I initially contacted TransUnion regarding the discrepancies, and to date, there has been no response from them. The following details the inaccuracies and the necessary corrections : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$770.00} Please remove this account from my credit report as it does not belong to me. 

XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX High Credit : {$500.00} Please remove this account from my credit report as it does not belong to me. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} The reported balance is inaccurate. I dispute the amount and intend to contact the creditor directly to address the issue. Please mark this account as disputed until a resolution is reached. 

XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX High Credit : {$260.00} Original Creditor : XXXX XXXX XXXX XXXX Please remove this account from my credit report as it does not belong to me. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$75.00} Original Creditor : XXXX XXXX XXXX XXXX Please remove this account from my credit report as it does not belong to me. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Please mark this account as disputed. I am unsure about the reported balance and dispute the past due status as the account is closed and XXXX. Additionally, I request verification of the Date Opened, Date of Status, and First Reported. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Please mark this account as disputed. The reported balance appears higher than my records, and the past due amount is not applicable as the account is closed. I intend to address this directly with the creditor.
Product: Mortgage

The mortgage lender submitted the 1Q 2020 tax payment with an incorrect reference number and my city was unable to credit my property tax account. I've spent approximately 40 hours on the phone with the mortgage lender over the past year trying to remedy the situation. Each subsequent quarter, the mortgage lender submitted an incorrect amount resulting in our account being continuously overdue throughout the entire year. We've received delinquency notices monthly all year and finally the week before XXXX we received a notice of tax sale on our home. The lender finally acted, though once again did not pay the correct amount. Rather than waste my time and energy, I went down to city hall and paid the difference myself. To clarify, my mortgage lender did not pay 1Q 2020 property taxes that were due on XX/XX/XXXX2020 until XX/XX/XXXX. 

Now that this tax issue is sorted out, we've received an escrow disclosure statement where it is evident that the mortgage lender is attempting to charge late penalties to me. I was assured repeatedly throughout the year that the lender would be solely responsible for paying any penalties. It is my understanding that the reason I pay monthly escrow payments is so that the lender can make accurate and timely property taxes. Instead, the lender has wasted my time, caused XXXX  and XXXX, repeatedly made property tax payments incorrectly, late, or not all and is now attempting to charge me for their error. To add insult to injury, they are asking me to pay an escrow deficit of {$4400.00} by XX/XX/XXXX. 

I am at my wit 's end with this lender and I do not know where to turn. I have filed complaints with the XXXX  twice that have not resulted in anything outside of a letter from the lender indicating that they are reviewing my account and will get back to me on regarding my inquiry soon. I can't go through this for another year let alone another XXXX years of my life.
Product: Debt collection

Company calling on behalf of a law firm XXXX ... or something like that.. but they wont give out their company 's name ... they are stating they are not a collection agency. They have called 3rd party family members multiple times telling them they will put a lien on our house.They say they are n't violating fair debt act because they are not a collection agency. They are harrassing us and our family though.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$750.00} XXXX  XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a account with CitiBank around XXXX weeks ago, I got my debit card and I started receiving payments to my account, I received three in total, a {$2000.00} XXXX payment, {$4700.00} XXXX payment and a {$4500.00} XXXX payment. My first time having a problem with Citi is when I went to withdraw my second time at the branch and was denied by the ATM, I received notifications questioning the activity and replied Y to a text prompt verifying it was authorized by me so I tried again and It denied me still, I called citi and they put my account under review for no reason. XX/XX/15 I go to the bank to make a withdrawal of {$4000.00} dollars they denied me and told me I would have to get on the phone with the fraud department to verify a few questions which I do and answer all correctly and the representative I was on the phone with told me she would remove any blocks and holds on my account and shortly I'm put on hold and transferred to another representative that was rude and didnt make sense and told me I had to wait on a reference letter. That same day I attempted to XXXX XXXX dollars out my account since the branch denied me and I still had my online access but it didnt let me, I received a fraud alert and verified it was authorized by me shortly after that my online access was revoked so I call the bank again and I get on the phone with a rep that tells me I just have to go to the branch to unblock my account then everything will be fine, today I wake up to my account being closed within 60 days with no reason at all, Ive called them multiple times to verify the account activity and questions which correct and legitimate and authorized by me. I need help to either reopen my account or receive my total account balance immediately My Name is XXXX XXXX My Account Number Is XXXX
Product: Bank account or service

I was recently a victim of fraudulent check scam that involved a girl ( Name : XXXX ; Email : XXXX ) who contacted me online through a website called XXXX for sublease. She asked me to deposit checks to my Wells Fargo account and was later asked to transfer the money back to another Wells Fargo account provided by her. Once I deposited the check, the funds were made available immediately by the bank without clearing the check with the other bank ; in this case the XXXX Bank, Texas. ONLY due to this immediate fund availability, I was able to transfer funds to the account provided by the person of interest in this case of fraud. Wells Fargo did not make me awake of the " Overdraft facility '' associated with my account which in the end enabled me to transfer the money to the account. Currently, Wells Fargo is charging me for the check returns as they were made. As a consumer unaware of the overdraft facility, it is a huge burden to be charged for the entire amount which was returned.
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 practice, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely 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 and deceptive, as they did not comply with error resolution requirements under Electronic Funds Transfer Act ( EFTA ) and regulations E. These actions had caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

on XX/XX/24 I sent a request for proof of a debt assignment.a copy of the original contract that I sign from the original creditor and a payment history from the original creditor this was from fair debt collection practices act 15 usc 1692g the information that they are posting to my report is totally inaccurate because i never sign any paper with and totally unaware of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed the following issues with accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. XXXX XXXX XXXX, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX    XXXX   reported the account closed and unused to ChexSytems since    XXXX    2014    yet ChexSystems continues to report an overdrafted balance and an unclosed account from  XXXX  of  2014  and is stopping my ability to open a credit union account and pay my landlord rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX inquired on XX/XX/2022 and XXXX XXXX  inquired on XX/XX/2022. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Product: Debt collection

i have a excused withdrawal which bylaw means my charges were excused but XXXX XXXX XXXX XXXX has sold this debt that they themselves should've known was forgiven to a third party debt collector that gave me a deadline and a letter to my mothers address was sent in the mail i did not receive said letter until after the XXXX and expect that they have finalized putting this falsified debt on my record as my credit report has been impacted
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I am victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove this account as soon as possible.
Product: Debt collection

I received a call on the morning of XXXX/XXXX/XXXX. The man said he was said scheduled to serve me on Monday XXXX/XXXX/XXXX. He said to contact XXXX XXXX XXXX if I wanted to know why I was being served. I have never been contacted by XXXX XXXX XXXX in any way prior to this phone call. When I contacted them, they identified themselves as a mediator. They said that I owed XXXX XXXX over {$670.00} and that if I did not agree to pay them, then XXXX XXXX would sue me for triple the amount. They also said that I would be responsible for a {$1000.00} court fee. When I asked for debt verification or a written " validation notice '', they told me that it was not possible. I was told to just take their word for it.