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

XXXX {$1500.00} was sent to my account by my lawyer but due to the account being closed I never received it. Since my account was closed the funds should have been returned within 48 according to Wells Fargo but it never was returned to my lawyer account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Equifax and XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again.
Product: Credit reporting or other personal consumer reports

Just checking in about the issue I had with my identity being stolen. I wanted to mention something called FCRA Section 605B, which is part of 15 U.S.C. 1681c-1. This section basically says that Credit Reporting Agencies have to get rid of and prevent the inclusion of any stuff that's in an identity theft report. I've sent over some documents to help out with blocking and removing those inquiries that popped up on my credit report. Below is a list of those unauthorized inquiries that showed up in my credit history : XXXX : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXXXXXX XXXX XXXXXX/XX/XXXX TRANSUNION : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted you a request not long ago to reinvestigate and remove the accounts from my credit report, and I was disappointed to learn that these false accounts were still showing up on my report.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this account XXXX XXXX XXXX XXXXXXXX. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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: Mortgage

My mortgage company movement mortgage is refusing to release the insurance check for a claim for damage done to my house. At the time the check was sent to the mortgage company from our insurance company XXXX the insurance adjustersummit adjuster/company because was behind in the mortgage at the time. However the mortgage company claimed that as long as the mortgage was paid up to current the funds would be released. The mortgage has been paid up to current and they only released {$3700.00} which is 25 % of the total and the public adjuster took their portion which was {$3000.00}. So there is currently approximately {$9000.00} still owed. My house has been in shambles for XXXX  months now, I have XXXX children including a XXXX XXXX XXXX that cant play or go anywhere in our house because of electric wires and etc, mold that we tried to kill but its on the exposed walls and we cant replace because we do not have enough money to do so. They asked for a letter requesting the remaining funds be sent to me through the adjuster and we did as so. So now we did that and the mortgage is paid up to date, they wont release the funds because at the time of the claim the mortgage was behind and we made sure to get it fully paid up to date immediately and did so. This is not right and they continue to tells us to pay for it ourselves then theyll release the money. Please help us this is not right or humane. Weve done everything asked for and our house is destroyed. The holidays are coming up and our children dont have a clean or safe house to do anything in because of this mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times because i noticed they continue to report XXXX accounts on my credit file that does not belong to me, When i call Experian to dispute i'm either left on hold, transferred, redirected and had to repeatedly call back hopefully to reach someone at Experian. 

My call is continued left bouncing around for hours. Finally after many attempts, i was told by a Representative at Experian that XXXX accounts can not be disputed though Experian and is not Experian 's policy to investigate fraud on a report. 

I told the representative at Experian i did not sign or agree to any contract with XXXX, I did not Provide XXXX with my social security number, the address with XXXX does not match mine, the name does not match, i did not provide XXXX with my ID or phone number or wet ink signature. I did not agree to pay any debt or repayment loan with this with XXXX or any company they represent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have look through my credit report and notice a lot of identity theft and fraud on my credit report I have sent letters certified mail ask each of them to validate all of these keep sending me receipts and they need to collect a debit which is not the original creditors the original creditors is sharing my info with alot of debt collectors without my permissible purpose. I even got a return to sender mail back to me which is inaccurate information reporting also. So yes alot of debt collectors are doing illegal activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent 2 letter certified with no answer .. XX/XX/XXXX and XX/XX/XXXX with the follow information about my fair credit act, section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX Dear Credit Bureau, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report.

LIST ACCOUNT NAMES AND ACCOUNT NUMBERS 1.  XXXXXXXX XXXX XXXX XXXX - {$2300.00} Revolving Negative 2. XXXX XXXX XXXX XXXXXXXX XXXX Revolving Negative 3.  XXXX XXXX XXXX USA XXXX XXXX XXXX - Revolving Negative 4. XXXX XXXX XXXX - XXXX Loan - Negative 5.  XXXX XXXX Revolving Negative 6. XXXX XXXX Revolving Negative 7. XXXX XXXX Revolving Negative 8. XXXX   XXXX Revolving Negative 9. XXXX  XXXX, XXXX City of XXXX XXXX XXXX XXXX that are NOT valid 1. XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX  - CARD SERVICE - XX/XX/XXXX 5.  XXXX - XX/XX/XXXX 6. XXXX XXXX - XX/XX/XXXX 7.  XXXX - XX/XX/XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information within 30-45 days, please  remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN XXXX DOB XX/XX/XXXX
Product: Checking or savings account

Date : XX/XX/2016. 
Amount : {$2500.00} My checking and savings account was close by bank of america and I did call they not telling me why my account was close, I have remaining balance of {$2500.00} in my saving account, I call the bank of america several time to let me go inside branch to receive a cashier check inside the branch immediately but they want me to wait all 5 days to get approved I really need to get my money, my money is in my savings account I need to get access to my money I need access to go inside a branch to get a my money inside branch I have hardship I will be home with my XXXX if I don't have access of remaining balance I my saving I have ret due
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant : XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXSocial Security Number : [ REDACTED ] Case Number : XXXX Identity Theft Report Numbers : XXXX and XXXX Subject : Formal Complaint Regarding Identity Theft, XXXX XXXX, and Credit Reporting Violations To Whom It May Concern at the CFPB, I am submitting this formal complaint against the credit reporting agencies and data furnishers for failing to remove fraudulent accounts from my credit report and failing to update my personal information as required by federal law. 

I. Explanation of the Situation Victim of Identity Theft : I have been a victim of identity theft, with multiple fraudulent accounts opened in my name. Additionally, my walletcontaining my Social Security card and drivers licensewas stolen from my vehicle, further exacerbating my vulnerability to fraud. These unauthorized accounts and inquiries have negatively impacted my financial standing and credit score. 

Victim XXXX XXXX XXXX  : From XX/XX/XXXX to XX/XX/XXXX, I was a victim XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Due to this exploitation, fraudulent accounts and inaccurate items were added to my credit report without my consent. 

Data Breach Impact & Failure to Protect My Information : I was also affected by an XXXX XXXX XXXX data breach, which compromised my personal data. Despite multiple requests to update my personal information and place fraud alerts, the credit bureaus have failed to act, increasing my risk of further fraud. Additionally, the credit reporting agencies have refused to provide the method of verification for disputed accounts, violating my consumer rights under federal law. 

II. Violations of Federal Law The credit reporting agencies and data furnishers have violated the following federal statutes : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification for disputed accounts. 

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request. 

15 U.S.C. 1681b ( g ) Failure to properly safeguard personal data. 

15 U.S.C. 1681s-2 Failure of data furnishers to ensure accuracy in reporting.
Product: Credit card

On XX/XX/year>, someone bought over {$3000.00} worth of goods from XXXX XXXX using my Direct Express debit card. The card was not lost or stolen. No one has my numbers or pin. 
I cancelled card immediately and called XXXX XXXX. They said the purchases were from a store in XXXX Alabama. ( I live in XXXX UTAH -- XXXX miles from XXXX. ) They could do nothing because the transaction ID numbers for the purchase that showed up on my Direct Express card had only XXXX digits. Their store needed XXXX. They can empty money out of my account with no question but can't help me because the numbers are wrong? 
Filed formal complaint with Direct Express. Their consumer support is a joke. There is one phone number. One. Period. The robot gives you six choices, none have to do with fraud or claim dispute. Managed to accidentally get a person after 45 minutes. 
Received on letter from them with form for complain. I filled it out and included all relevant pages of my account with DE and Fax 'd it to them the next day. 
Have had one phone call XXXX XXXX saying they had made partial, provisional restitution. Awaiting the 25 to 45 day investigation they will either restore some of the money or take the half they've paid me back. They say they will not communicate with me in any way. All I can do is watch my balance. 
You make one deal with a bank -- they can keep your money and use it, but they can't loose it. They lost it. Their actions are clearly designed to, delay, frustrate, obfuscate, etc in order to cause you to give up. Their procedures are opaque. Their pace glacial. Their intent is clear -- get you out of their hair and take your money. 
Direct Express is currently transitioning their contract to XXXX XXXX in New York. Congress took the contract away from them because, among other things, they are hacked regularly and their fraud department is in XXXX XXXX. ( According to XXXX XXXX, )
Product: Debt collection

Re : ACCOUNT NUMBER UNKNOWN Dear REPRESENTATIVE, I am writing to formally demand that you cease all communication with me regarding the above-referenced account, effective immediately. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I request that you cease all collection activities, including but not limited to phone calls, letters, or any other forms of communication, concerning this account.

In addition, this letter serves as a formal demand for you to immediately cease reporting this account to any credit reporting agencies. I believe this account to be the result of identity theft, which I have previously disputed. Attached is a copy of my identity theft report for your records. Since this account is fraudulent, it should not be reflected on my credit report, and I expect you to take immediate action to remove it.

This letter does not serve as an acknowledgment of any debt or liability. I do not consent to any communication by phone, at my place of employment, or home regarding this matter. If you intend to take legal action, any further communications should be limited to written notice of such action as required by law.

Failure to comply with my request may result in further legal actions.

I expect written confirmation within 30 days that you have ceased all communication and collection activities and that you have notified all credit reporting agencies to remove this account from my credit report. 

Thank you for your immediate attention to this matter.
Product: Debt collection

This company has called my parents, my XXXX husband form XXXX  years ago and has used phones calls to harrass and try to put fear into all of these people by way of telling them they are coming to 'arrest ' me if I do not respond. I called and the XXXX said you have a litigation against you and ypu owe XXXX. I wish you luck. ' These were exact words. I asked for her Information. She said she did not have to give me any information and when I asked for the website to confirm the info, she said they do not have a website and they do not have to disclose anything to me. They have have called my phone approximately XXXX times. They have scared my mother that they were coming to arrest me. XXXX said she is the only personI can speak with and she doesn't have to give me any info. Again, she just said good luck.
Product: Credit card or prepaid card

I never got my XX/XX/XXXX statement. On XX/XX/XXXX I called and made a payment of {$80.00} which the agent took the wrong information which caused the payment to return no account found. I was than charged an NSF for their error when the payment did not come back NSF. It came back as account not located due to their error. I then later called back on XX/XX/XXXX and was advised of a late fee that would be waived. I was never advised of the NSF that was their error. I than received a call on XX/XX/XXXX and made payment. On XX/XX/XXXX I spoke TD again who told me the second payment returned, however it didn't. During the first call on XX/XX/XXXX, I filed a complaint I didn't get my first statement. I had logged into the portal to enroll in XXXX but never enrolled in electronic statements, however TD claims I did. In XXXX, I never got my statement and TD starting calling me nonstop. Calls received XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 9 calls in three days.
Product: Student loan

I called today and have been sitting on hold for 2 hours and 45 minutes. It's impossible to get someone to speak with regarding my borrower defense application and my entitled forgiveness as full class in the XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I downloaded an app from the XXXX XXXX. This app promised a watch face for {$1.00}, a purchase inside. I bought the watch face but the app didn't work so I deleted the app. Turns out this app also signed me up for a monthly withdrawal of {$30.00} from my checking account because I used XXXX XXXX connected with my bank to pay for the {$1.00}. I went to dispute this with XXXX but the app no longer existed in the store and turns out it was removed due to fraud. 
So I went to the website of said app. XXXX XXXX XXXX  and tried to cancel every single month and they would keep asking me to fill out a form that went nowhere and didn't cancel. 
So I reached out to USAA to dispute the charges and put a pause on this vendor. They forced me get a new card but told me I didn't have enough proof that I tried to cancel. I described that I tried to cancel via website/App Store/email to no avail. I told them dates of the attempts and they refused to return the disputed charges. 
This app comes from XXXX and every app gets taken down by XXXX and a new one pops up with lots of complaints until it is also shut down again but seems XXXX isn't doing due diligence to keep it off their store.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent unauthorized inquiries reporting on my Experian credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello as of XX/XX/XXXX i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, Equifax and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with XXXX XXXX XXXX about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 

XXXX XXXX XXXX Account Number XXXX {$2700.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX, XXXX CT XXXX Phone Number ( XXXX ) XXXX PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY
Product: Debt collection

I am writing about a collection on my XXXX credit report. The collection comes from XXXX XXXX. Portfolio Recovery XXXX is handling the collection. I have been a victim of identity theft and someone setup account with several credit card companies acting like me and never paid them. I have report this on all my credit reports. There is a fraud alert too. The amount is showing up as {$910.00} and as a negative collection. I need Portfolio Recovery XXXX to remove it completely from my XXXX report. I am refinancing my home and they indicated that it would have to be removed and corrected before I can move forward. I am just being honest.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has been compromised, resulting in a fraudulent balance of {$XXXX}. 

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account has been compromised, resulting in a fraudulent balance of {$XXXX}. 

XXXX  XXXX - Account ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX This account has been compromised, and fraudulent.
Product: Debt collection

Years XX/XX/XXXX & XX/XX/XXXX I have tried multiple times to contact this place in addition to the credit bureaus to let them know that I am not responsible for this debt I have been a victim of identity theft My car was stolen in XX/XX/XXXX, my home was vandalized in XX/XX/XXXX among other issues I encountered with my taxes where someone tried to file an amended tax return in my name This Place XXXX XXXX will not budge and continue to say I owe them the money when I did not sign up for any school or education assistance with them The Credit Reporting agencies does not believe and will not remove it I did not even receive any kinds of billing which would have alerted me earlier than when I first found out
Product: Credit card or prepaid card

My credit limit was decreased on my Chase United card from about {$13000.00} to {$7000.00} because of ( according to them ) negative remarks on my credit report within the last 4 years. They gave me the XXXX dollar balance when my credit scores were WORSE and reduced it now when my score is much better, AFTER I reduced the bill to XXXX balance and after I removed three late payments that were posted on my report. Payments that were reported from XX/XX/2020, XX/XX/2020 and XX/XX/2020 due to Covid. The last one was reported in XX/XX/2020, supposedly it was recently reviewed but it wasnt reviewed when I was spending and paying all the interest. This is FRAUD.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App, Block Inc. because of lack of customer service and unfair practices with the app, customer service, and lack of security. Which violate the Consumer financial protection app.

As well as their dispute system was deceptive, they never once complied to their error resolution requirements under the EFTA and Regulation E.

Cash app failed to take timely and effective measures to address fraud, which left my account vulnerable and not protected.

These inconsistent errors left my account vulnerable and cause considerable financial loss, spam accounts, and lack of privacy of my personal information and transactions. 
I am looking for appropriate accommodations and justice to the violations stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was charged around XXXX  dollars by TransUnion every month for month despite never signing up for their service.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a {$600.00} payment online to my XXXX XXXX card held by Synchrony Bank. I received a confirmation number. The website posted my updated balance and payment a few days later. On XX/XX/XXXX I get an email from Synchrony bank saying I had a letter to review about my account. I open it and to my surprise the payment has reversed. The account is NOW XXXX over what I was previously given in credit! 

Synchrony Bank said their records show I did not authorize the payment ... 30 days later! This is absurd ; and I have no money in my account ; but my bank does not show that they EVER went in to get the payment ; is this a scheme to make more in interest? I am trying to pay this off before retirement in 2 years! I won't have that type of disposable income anymore. I am perplexed. I don't know how this could have happened. My credit union shows NO transaction going out for that amount ; but if I use my card and press accept ; it should go forward ... right? No one can tell me what happened and I am frustrated and I am the little guy ; I should not be penalized ; my spending limit was reduced ; my credit score was reduced and my credibility has been reduced., please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a Fraud alert placed on my credit profile, for unauthorized hard inquires. During that another attempt was made on my credit. I have since reached out to the furnisher 's of the hard inquiries and have included the documents.