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

I am submitting a complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several items that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT RPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX - XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$850.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$680.00} EQUIFAX MORTGAGE SER Inquiry : XXXX. XXXX, XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft in XXXX ( and possibly even before then - not sure ). There are multiple inaccuracies on my credit report including my name, phone numbers, residences, accounts and account balances. I have contacted all three credit reporting agencies ( XXXX, XXXX  and Equifax ) several times the last was in XXXX and they have not corrected the errors and their companies make it impossible to report the errors either via phone or online.
Product: Prepaid card

Today is XXXX/XXXX/2015 and I still ca n't get my {$1600.00} off my Rushcard!!!! It 's been 8 days!!! 

On XXXX XXXX, 2015 Rush Card indicated they were doing a system update, after the update thousands of customers including my self no longer have access to the money on their card. I have direct deposit set up through job that goes directly on to my rush card. They are holding {$1600.00} of my money. I just started my new job and already had to wait 3 weeks for my 1st check. I have called their customer service department over 35 times since XXXX/XXXX/2015, and have either been hung up on, several times, placed on hold before even speaking to a rep for over 3 hours! What company has someone on hold for over 3 hours just to talk to someone. On several occasions I was on hold for over 2 hours just to be disconnected as soon as I asked to speak to a manager. I want my money. I have bills to pay, not to mention I have had to borrow money to pay my light bill that is due today. I have had to catch a ride to work because I do n't have money for gas to get back and forth to my new job. There are XXXX people who are suffering and ca n't get access to their hard earned money, because XXXX ( Rush Card - XXXX XXXX ) is holding peoples money hostage. Not to mention they have a transfer feature on the Rush Card App, that did allow you to transfer money to anther Rush Card, of a friend whose card may be still working : but that mysteriously is n't working. Now that does n't work either. This is ridiculous! I want my money!!!!! {$1600.00} is not a little bit of money! I need my money to pay my bills! Why would XXXX not contact people and offer to send us a certified check???? If XXXX ca n't assist with fixing the problem then, how about you send people 's Direct Deposit back to their employers? How hard is it to just give people their money back??? XXXX & Rush Card are stealing/robbing people by not giving them their money!!! 
Desired Resolution : RefundDesired OutcomeSend me my money!!! {$1600.00}!! I want a certified check sent overnight to me ASAP! Close my Rush Card account and never contact me again!!!! I want them to give me my money that I earned and worked hard for!!!! 

Please help me!!! 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, Fl. XXXX
Product: Checking or savings account

I inquired as to why my account was frozen. I was provided two separate reasons. One reason provided was that I deposited a check made out to someone else. This is not factual. I deposited a check made out to myself and only myself. SoFi went as far as to ask for the name and contact information for the person who wrote the check, which I refused to give. This made no sense. The next day I was given the reason as another individual put money into my account from their account. I was told this was against the rules. It is not, per their website. I spoke to multiple people in their security department. All of which asked about the relationship to this person and one even, again, asked for the contact information. Today, I have been hung up on four times trying to clear up this restriction. There is {$700.00} in the account that SoFi is refusing access to. They are holding my money hostage. I feel as though its a scam at this point. I have never seen or heard of anything like it. I went so far as to receive a link to confirm my identity from SoFi. Once I received it, I was hung up on again. I am going to be late on bills if this money isnt able to be accessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I received a letter stating, " They do not report any bankruptcies to anyone. '' Therefore, if that is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to 15 USC 1681.

15 USC 1681. section 603 ( 3 ) ( E ) states, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of that consumer reported on or with others that he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681.

- According to, U.S.C. 1681 section 602 A. states I have the rights to privacy.

- According to, U.S.C. 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instruction - According to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$250.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balanced Owed : {$900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$850.00} ; XXXX  XX/XX/XXXXXXXX  ; XXXX XXXX  ; XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several days ago, I applied for a credit card with XXXX XXXX XXXX. They requested a credit check from Trans Union. Trans Union advised XXXX XXXX XXXX that credit reporting on my account was frozen ( at my request ). I immediately contacted Trans  Union and asked them to temporarily remove the credit report freeze. The computer screen informed me that this was done. A day later, I checked, and the credit freeze was still in place. I called Trans Union on XX/XX/19 and requested that the freeze be removed. The representative indicated that since my request came after business hours, I needed to call the " Special Handling Dept '' the following day. On XX/XX/19, I called the " Special Handling Dept '' and asked for their assistance to remove the credit freeze. Unfortunately, the " Special Handling Dept '' said that they could do nothing for me and suggested that I call the " Consumer Resolution Team ''. But when I asked to be transferred to this " Team '', I was informed by XXXX that they don't take calls, and that I can only leave my name and personal information as well as a time when they can call me back. I'm now waiting for that callback. 
My question is : Why does a consumer have to go through several days of " run around '' with Trans Union when they specifically mention that if one puts a " Credit Freeze '' on an account it can just as simply be removed ( permanently and temporarily ). If so, why am I being made to jump through hoops? Is it because I had reported Trans Union on an unrelated problem concerning unauthorized charges on services that they were charging me for and which I did not need? Why am I being " Black Listed ''?
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against [ Credit Bureau Name ] for failing to remove the following accounts from my credit report, despite my prior request over 30 days ago : XXXX XXXX ( Account # : XXXX ) This account was paid satisfactorily and was agreed upon to be deleted after payment. 
XXXX XXXX  ( Account # : XXXX ) This account was paid satisfactorily and has exceeded the 7-year reporting limit.

I have received correspondence from your organization stating that my dispute request will not be honored because you believe it was sent by a third party, such as a credit repair company. I can assure you that I, XXXX XXXX, personally submitted this request, along with proper proof of identification. 

I would like an explanation as to why I received a stall letter instead of having my disputes properly investigated and corrected. I have provided detailed dispute reasons supported by factual information from my credit report with your bureau. 

If you continue to assert that these accounts are accurate, I demand that you provide all documentation used in your investigation, as required by law. Additionally, I have attached : The original dispute letter I sent directly to your company, date- and time-stamped. 
The response from the creditors confirming removal of these accounts. 
Please address this matter promptly and in full compliance with the Fair Credit Reporting Act ( FCRA ). Failure to do so will leave me no choice but to escalate this complaint further.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report I noticed several inquiries that I did not recognize or authorize. I contacted Experian, XXXX, and XXXX on XX/XX/2023 via certified mail and brought this matter to their attention. They did not do anything about this issue. I contacted them again on XX/XX/2023 via certified mail again asking them why they did NOT do anything about this situation and if they can show me any proof of who tried to open accounts without my authorization. I did research and seen that there all laws that require the credit reporting agencies to provide proof of why they gave these companies access to my credit report without PERMISSIBLE PURPOSE? Since they have not done what they are required to do, I made sure I filed an identity theft claim with the FTC and am asking the CFPB with assistance with this situation.
Product: Mortgage

I had owned my home for 30 years, I refinanced to buy out my ex and to purchase a car. 
Actually I wanted a separate loan for the car and they rolled it into my loan which is totally not legal. I requested several times for them to separate the 2 and wrote to headquarters to have it done and received not one response. 
I requested a loan modification under HARP, they said I did not qualify because of my first modification. I was paying 8.9 % up to 10.5 % in the end, when the loans were being financed at 3 %. I called my finance person locally and the corporate office and no one would work with me. 
In XX/XX/XXXX I lost my job and attempted to work something out with them and they would not work with me. I got a job in XX/XX/XXXXand applied for a modification, turned in all the paperwork and never got a response. I lost that job and requested a buy out and they agreed to XXXX, I told them all I had was XXXX and I could send them that the same day if they agreed, they refused. I then said I would have to sell my home and was told it was to late, they had started the foreclosure process. I asked how they could accept XXXX and not let me sell my home and they just kept saying I could not sell my home. 
I now have a foreclosure on my credit and this affects me when I try to rent a home or get a jobs. I lost 2 jobs because of the foreclosure, one with XXXX. If I have to be accountable, so do they. 
Obviously there was much more conversation, but the car loan being rolled into my current mortgage was very costly and not requested. My modification was never processed or I am not sure what happened. When ever I asked citi to do something I never got a response or the answer never was to my advantage.
Product: Mortgage

XX/XX/2018 My wife and I recieved a letter from XXXX XXXX XXXX XXXX ( XXXX ) that our Mortgage was going up do to a shortage in our escrow account. Upon consulting with my attorney I found this was either fraudulent or gravely mistaken. They were going to raise my mortgage from {$1200.00} per month, to over {$1800.00} per month. I contacted XXXX and explained the situation, More than six times throughout XXXX and XXXX, each time was told the situation would be resolved after x amount of time, it was not. I spoke with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and various others that I did not record their names. Customer Service Managers including XXXX XXXX and a woman whose name I can not recall, advised me to not pay my mortgage. Ultimately the situation has been resolved, however, the entire episode is unacceptable, and I am filing this complaint to clarify my previous complaint, which I wrote when I was extremely upset. 

Thank You, XXXX XXXX
Product: Mortgage

I just recently found out there was a lien on my home from a line of credit that was and should have been cleared after my refinancing of my home. I refinanced my home with XXXX XXXX XXXX   around XXXX to XX/XX/XXXX. I received a line of credit from XXXX XXXX for {$25000.00} soon afterwards. My property now shows the same lien filed in XX/XX/XXXX by XXXX. 
XXXX XXXX filed for bankruptcy in XXXX and was bought out by XXXX XXXX in XXXX. I did a refinance with Countrywide Mortgage around XXXX or XX/XX/XXXX. Countrywide of course was purchased before this date by Bank of America. ( enclosed copy of doc. going to Countrywide from XXXX XXXX ) This is strange because XXXX XXXX was out of business in XXXX. I have not been able to find the refinance documents. Bank of America has denied that I was ever with Countrywide or XXXX XXXX. BOA shows a loan modification XXXX XXXX and a refi on the date. If a lien existed at the time of closing it should have been cleared. Now BOA has sold the loan to XXXX XXXX XXXX. The new companies title company claims there is no liens on property which is not true. The lien has been cleared but it still shows and the title companies at each closing claims it is clear. It seems BOA wants to claim it owned the mortgage before any of the liens were applied XXXX to get around their responsibility of making sure the liens were cleared at closings. I have requested documents from BOA without any success.
Product: Credit reporting, credit repair services, or other personal consumer reports

With reference to the Fair Credit Reporting act, The following companies/account holders have violated my rights. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

FCRA 605B, I think, mandates the removal of any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts inaccurately reflect the reporting, with incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Transunion failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the timedeclared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non- compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX, XXXX XXXX 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

I am a federally protected consumer and American Credit Acceptance did not disclose to me in the initial communication that this was an attempt to collect a debt. The have violated me in several ways in regard to The Fair Debt Collections Act and The Truth in Lending Act. Please see attached documents.
Product: Money transfer, virtual currency, or money service

My cash app account was hacked on XX/XX/XXXX, I recieved a text message at XXXX thatn my credentials had been change to my account. The hacker then withdraw my entire paycheck that was deposited that same day, I called Cash App support they walked me thru regaining access to my account and filed a fraud claim for the money that was withdrawn. I called today, XX/XX/XXXX to check the status of my claim, they advised a email for the claim was sent on XX/XX/XXXX, however they did not send it to my email they sent it to the HACKERS EMAIL! With my personal information regarding my claim!! They denied the claim advising that I authorized the withdraw transaction ( while nnot having access to my account ), advised claim could not be reopened, I could not dispute the same transaction, and I could not dispute the claim, {$1200.00} was stolen from me, of my hard earned money, and no one even contacted me to get information before closing the claim! I was hacked, and can not get any help to recover my hacked funds and my personal information was given to the hacker from cash app! Help me please!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to report illegal " Rent a Tribe, '' " Rent a Bank '' loans in which the lenders do not have licenses in the states in which they are lending money. Specifically, TransUnion accepts these trade-lines and takes no responsibility to do any due diligence on these lenders. Even after such lawsuits are settled with the lenders that require the information to be removed, TransUnion has taken not effort to remove these illegally reported loans which constitutes a fraud. 

Both XXXX XXXX and XXXX  ; which currently appear on my credit report are " Rent a Tribe '' " Rent a Bank '' illegal loans in which the lender had no license to lend within Florida. The rates charged by the lender exceed all state and federal usury rates.
Product: Money transfer, virtual currency, or money service

XX/XX/year>, {$500.00} sent to wrong individual. Zelle would not assist in recouping, or reversing the funds or placing a stop of the transaction.
Product: Money transfer, virtual currency, or money service

Last year, I found myself facing an eviction, which led to complications with my apartment complex. They stopped accepting money orders from me, and as a result, they returned a money order I had submitted, despite having stamped it as " received '' and made out to them. In an attempt to resolve my financial situation, I gathered that returned money order along with a few others I had saved up, all addressed to the apartment complex, and deposited them into a Navy Federal ATM.

However, the transaction never appeared in my checking account. When I contacted Navy Federal for assistance, they informed me that the money orders were under investigation. After some time, they returned the money orders that did not have the " received '' stamp from my apartment, but they withheld the ones that were stamped.

Navy Federal requested information that I couldn't provide, such as the receipts for those money orders. Since they had accumulated over time, I couldn't recall where I had stored any of the receipts. Despite my efforts to clarify the situation with them, they never returned the withheld money orders and continued to claim that they were investigating. One agent even mentioned that he didnt see any notes indicating that I hadnt received my money orders back or that they had been taken. Now, nearly a year later, when I reach out for updates, they still seem unable to locate my money or provide any information about it.
Product: Checking or savings account

I have requested to transfer my balance on 2 occasions, once to a XXXX  account I own, which ultimately was blocked by Marcus, I called, and they were not able to " Verify '' me, although I have access to the phone numbers, and email on the account, along with 2 forms of federally accepted identification. I never received a response from their team who was supposed to contact me within 3 days, so I initiated another transfer to my XXXX XXXX, which Marcus should have on file, and they blocked that as well, even though I have used this account to fund my Marcus savings. I feel that they are illegally holding my funds with no solution in place.