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

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX Date of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX ) XXXX, XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX, and XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX have violated my rights . 

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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XX/XX/20 I returned a missed call from Gulf Coast collection bureau and the representative said he does not know why i keep receiving automatic calls. He said I have no outstanding dept. I asked him to please remove me from automatic call list and I still keep receiving call daily from this company and it is always a robo call and not a person.
Product: Debt collection

They call my cell first and then if I do n't answer they call my job. They have even called multiple times a day until XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of list account types from XXXXXXXX XXXX with a balance of {$29000.00}, Center Point with a balance of {$210.00}, XXXX XXXX with a balance of {$470.00}, XXXX with a balance of {$500.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

A promotional offer was offered for {$400.00} bonus if a direct deposit of {$1000.00} or more is made to this account after a certain period from when it was opened. It was based on this offer that I opened the account and setup a direct deposit payment with my employer to this account. The first direct deposit payment of {$1000.00} was made on XX/XX/2023, followed by another direct deposit payment of another {$1000.00} on XX/XX/2023. Both Payments shows the sender as my employer and it was from direct deposit for salaries and bonuses. A third direct deposit of {$1000.00} was also made on XX/XX/2023 ( see attached documents ). However, Truist Bank has refused to honor their promotional offer agreement and have not deposited the {$400.00} bonus. This is unfair and a wrong practice, they should honor the agreement because I met the condition. Direct deposit is direct deposit, they are trying to make it seem that it is not, and when I reached out to them, I was told they will revie it and get back to me, but that was over 3 weeks ago. It is obvious this may be a dubious bank trying to lure people to open account with them with a fake promotional offer they are not capable of keeping to their part of the agreement. I am filing this complaint to report them for their discrepancy, and to demand they fulfill their part of the promotional offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX this an hard inquiry this not my account I would like it removed from all three credit companies please this was opened fraudulently
Product: Debt collection

I filed a dispute with XXXX, but I am not convinced they proved it was my debt. My ex-husband was a current XXXX customer when we divorced 20 years ago. I used XXXX and still have the same number XXXX. The debt is attached to a different phone. I was never shown the original contract with my signature on it. This debt is not mine. Further, I am a current XXXX customer and have been for several years. I am current on my payments. How can this be my debt. 
XXXX ref # XXXX.
Product: Checking or savings account

My account with this banking entity was closed involuntarily no violations were made. In result my payments were bounced and taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing a hard inquiry from Chase Bank. I pressed the wrong button and was applying for a XXXX card. This is a mistake. This hard inquiry has to be removed. Chase stated they are reviewing the application so I cancelled the application. This inquiry was meant to be for XXXX, not Chase. I  explained there was issue with my phone and it went straight to Chase instead of XXXX. I don't want that card even though I am approved or not.
Product: Debt collection

I have spent years dealing with Navient/XXXX XXXX on repayment with my student loans. Navient stated they are " not required to act in my best interest '' and make it genuinely difficult to have viable resolution to my repayment of private student loans. My personal largest monthly payment is student loans. They increasingly make it harder to get support by way of programs or modified repayment terms that make sense. I had a previous complaint with CFPB, but they were unable to help as my story was compelling, but out of their control. Private student loans have no regulator oversight to the manner in which Navient is able to railroad borrowers into repayments that are beyond " suitable '' and they know it. I have been working with a representative from Navients, Office of the Customer Advocate, which is really just the long way around getting things accomplished and they are unable to offer any other alternatives versus speaking with general customer service. They have a tendency to slow walk processes and waste time as they know there is no reason to be accountable. Considerations that I was given before are now longer mysteriously no longer available and the story is always changing. The continual " moving of the goal post '' makes ones largest debt commitment an ever moving target that is unable to be hit. Consistently getting hit with various late fees over the years that make it even harder to climb out of the financial hole.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the persistent presence of fraudulent account on my credit report, specifically with your bureau. It has come to my notice that, despite successfully disputing and having these accounts removed from my credit reports with other bureaus, the same fraudulent entries continue to exist on the report maintained by your agency. 
XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
The swift action taken by these bureaus in removing the entries further underscores the veracity of my claims. It is perplexing and frustrating that your bureau has not taken similar corrective measures, especially when other credit reporting agencies have acknowledged and rectified the issue promptly. The inconsistency in reporting across bureaus is not only confusing but also damaging to my financial reputation.
Product: Debt collection

I have disputed over and over with indigo and XXXX XXXX XXXX  who sold my debt with Out my permission.. I settled and paid my debt XXXX removed the collection as agreed but it is still on XXXX and XXXX AFTER the company agreed to have it removed .. they violate my rights and never told me it was sent to collection only after I noticed on my credit report! I paid the debt I asked them to remove it since they did on my XXXX report as agreed .. since they never notified me the debt was bought I asked them to remove from my credit files..
Product: Checking or savings account

I opened a XXXX checking account with Capital One last XXXX My employer made several direct deposits totalling close to {$4000.00} ( I don't know the exact balance because Capital One has been uncooperative about helping me log in ). I never withdrew any money at an ATM or inside the bank. I never made any charges to the account with a card. I believe it was in XXXX ( again, I can't see my statements but I know it was XXXX or XXXX ) that a bunch of unauthorized charges started showing up and I called Capial One to report them. I've been trying to get the balance back ever since and Capital One has been extremely uncooperative in helping me get the money back. The latest is they claim they closed the account and sent me a check for around {$1600.00}. I'm still mising around {$2600.00} and when I talked to someone from Capital One today they refused to forward a check for the remaining balance in the account. I need to know what to do next to put pressure on Capital One to give me all the money back that was in the account. I've been battling indentity theft issues with several credit cards and another checking account.
Product: Checking or savings account

Both myself and my husband have been a victim of identity theft and fraud on our Truist Bank checking and money market accounts. Fraudsters were able to conduct 3 fraudulent check transactions out of our accounts without our knowledge, authorization or consent. The transactions are as follows : {$5300.00} on XX/XX/XXXX, {$13000.00} on XX/XX/XXXX, and {$9200.00} on XX/XX/XXXX. 

We believe the fraudsters were able conduct these fraudulent transactions by washing our checks and impersonating our identities. I discovered the fraud XX/XX/XXXX and immediately reported it to Truist Bank the same day. Truist Bank conducted an investigation ( claim XXXX ) ; and while the bank determined the transactions to be fraudulent, they have denied to reimburse us due to our failure to notify the bank within 30 days of the fraud. However, the fraudulent check transaction for {$9200.00} on XX/XX/XXXX was reported within the 30 day timeframe, which Truist Bank has yet to reimburse us for. 

We requested assistance from XXXX, who sent Truist Bank supporting documentation via mail on XX/XX/XXXX, which detailed the fraudulent transactions being disputed. Truist Bank received these documents and still denied to re-investigate and reimburse us on the fraudulent amount. Due to our ages ( XXXX and XXXX ) and health conditions ( XXXX XXXX XXXX, XXXX, and XXXX  ), we believe Truist Bank has failed in protecting us from elder financial exploitation, and are requesting the bank re-investigate this matter, and reconsider their decision on reimbursing us for the stolen funds. I am also requesting that Truist provide me with any and all copies of records relating the the fraudulent transactions, including the investigator 's report who has denied our dispute. I hope to be reimbursed for the fraudulent transactions which Truist Bank failed to prevent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XX/XX/XXXX I purchased a vehicle. I obtained financing through XXXX XXXX, but recently saw that the dealership must have submitted for approval to more than one lender ( in reality they pulled NINE hard credit reports for me ). My understanding was they would submit a hard inquiry and the best rate was what we would go for. I am so heartbroken to see nine hard inquiries on my credit report, over a year later. My MAIN concern, is that 3 of them have duplicate pulls. 

XXXX ran a hard inquiry on XX/XX/XXXX and AGAIN on XX/XX/XXXX. 

XXXX ran a hard inquiry on XX/XX/XXXX And AGAIN on XX/XX/XXXX. 

XXXX ( which I believe to be XXXX   XXXX ) ran a hard inquiry on XX/XX/XXXX and AGAIN on XX/XX/XXXX. 

The others ran were : XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

I have read in many places that credit reporting agencies allow hard inquiries for auto and home loans pulled within 45 to 30 days to count as one inquiry on your report, but sadly mine all show as separate pulls of my credit, nine times. This is impacting my ability to obtain fair credit across the board simply because the car dealership I selected shopped around unbenonced to me. Any assistance in how I go about removing or condensing these hard inquiries from over a year ago would be incredibly appreciated. 

Many thanks, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX has been contacting members of my immediate family after I have already asked them not to be doing so, I told them I was in a debt relief program and I wouldn't be speaking directly with them anymore. They haven't contacted me since the last conversation but they continue to call my family. They have even gone as far as to call my birth father and his wife regarding my account and disclosed my private information in regards to my account. I have no actual legal attachment to my birth father anymore. They even lied and said I used them as a reference for their credit cards and said I had given their contact information and gave them permission to call them, Which I did not. I have 3 different accounts with this bank, XXXX XXXX, XXXX XXXX, and a XXXX XXXX account. The debt relief program I am in is called XXXX XXXX XXXX. They also send letters to my house constantly asking to collect my debt and is still reporting the debt for my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, two car loan companies ( XXXX XXXX XXXX and Westlake financial Services ) Stated they would provide 3 payments of relief due to the COVID-19 National Emergency and Business Shutdown. They denied such relief unreasonably and after multiple attempts to explain the situation and offer attempts to remedy the error they have failed to provide such aid and instead of providing relief reported to the credit bureau 's that I was past due. I have never been past due and my credit report reflected a 100 % on time payment rate prior to their failures. Following their failure to provide the relief they stated they would provide, I paid the accounts weekly and provided a payment agreement that stated " By accepting payment you agree to these terms. '' Terms that stated they would remove ALL negative credit reporting information among other things. That agreement, which I consider them bound to, is attached.  I have diligently paid weekly and they have refused to uphold their end of the agreement. 

At this time the account for Westlake Financial Services has been nearly paid in full. And they have been paid weekly as agreed. They have accepted the agreements terms as they have accepted all checks sent to them. There is a small balance owed which can be settled by XX/XX/XXXX should the company agree to delete their account from my credit report. I am attaching the letter I will send to them regarding such. I have been attempting to dispute their false reporting to the bureau 's as well. Westlake Financial has been asked multiple times for Debt Validation. They have refused multiple times. I have sent them a final debt validation request that is now due  XX/XX/2020. But I do not see them providing such information. Specifically, they refuse to explain in writing why they didn't provide the Covid-19 relief to me and why they continue to report my credit past due despite our agreement. 

At this time, XXXX & XXXX has been paid weekly. They have accepted the agreements terms as they have accepted all checks sent to them. They are falsely applying these checks only to interest. I have attempted multiple times to gain Debt Validation and dispute the debt with the Credit Bureau 's. They refuse to modify their reporting in any way but still cash my checks even though our agreement states " Automatic agreement with these terms will commence upon receiving ANY payment from { ommitted } in regards to remedying this account. By accepting payment you agree to these terms. '' I have paid these accounts through extreme financial hardship and my credit is being ruined for no other reason than these companies failed to provide COVID-19 relief after stating they would provide such relief. I am seeking government intervention and/or enforcement of the Fair Debt Collections Practices act which both the bureau 's and both loan companies are violating.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, Kic. ) ( De to i e qual customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process XXXX  was untair and aceptive, as they did not E comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed some hard inquiries that I don't recognize. 

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

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of their recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institute failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transaction was unfeasible. The CFPBs findings indicate that our consumer rights were neglected and repeat offenders are allowed to exploit the sys, leaving the consumers vulnerable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I made a payment on Friday XX/XX/2019. I spoke with XXXX XXXX. I asked her if I was going to be reported late to all three credit agency 's and she advised no if a payment was made that day. I can not afford the student loans payments all! it is causing a hardship for me and my XXXX. I'm trying to get into affordable housing and this false reporting is hurting my credit and needs to be corrected ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 " CRA '' REPORTING INCORRECT " XXXX '' DATA OF PUBLIC RECORDS BANKRUPTCY CH XXXX NOT MY ACCOUNT
Product: Checking or savings account

XX/XX/XXXX I opened an account with Bank Of America and I tried to take my money that I put in my checkings account out at the ATM and nothing came out so I filed a complaint and got my decision and the said they couldnt find an funds and that I took my money out but it isnt true or else I wouldnt have filed a complaint and now Im out of XXXX dollars this is unacceptable and I wanted to know can you help? Im thinking about a lawsuit because this is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and my information has been compromised and used without my consent to get loans and credit and all sorts of things which are hurting my credit and impacting it in a major way. I need professional help with this issue to get it back to normal. The accounts which are fraud on my credit are XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage reporting from Citi Mortgage on XXXX  and XXXX. I have never had an account with them let a lone a mortgage. I have written to both bureaus and Citi Mortgage multiple times and have been unable to get any assistance. The account number for this account is # XXXX. Also my ex 's name keeps on appearing on my credit report under XXXX. I have also asked for this name, XXXX XXXX XXXX, to be removed multiple times.