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

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item 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. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Four years ago, I moved into a new home. Contacted XXXX for TVS, phone and internet. The technician came to my home ran the wires for four TV hook-ups and hooked up my phone. I did not have the TVS yet, nor the internet, but had the phone for 4 months. Every month I was charged for the TVS and internet even though I had no service. After 4 months they disconnected my phone and set me a bill for over {$400.00}. I called them and said that I was still willing to have XXXX as my provider, but XXXX said not until I pay the bill. So I sent all the receivers back to them via XXXX XXXX. Now a company called XXXX is bugging me weekly. This is doing serious damage to my credit report.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate 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 was unfair and deceptive, as they did not 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: Vehicle loan or lease

On XX/XX/year> legal tender of payment was signed and accepted by XXXX XXXX XXXX XXXX XXXX Pursuant to Indiana Code 26-1-3.1-603, tender of payment for the full amount was refused by XXXX XXXX XXXX XXXX Pursuant to UCC 3-603, If payment is refused, discharge to the extent of the of the amount of the tender shall have the right of recourse. My payment was ignored and shredded according to General Manager XXXX XXXX. XXXX XXXX refused to give me back my rightful ownership of the vehicle. He also said that I gave him a payment he was unable to cash verified by his lawyers and bank manager at XXXX XXXX XXXX XXXX. 

Pursuant to 15 USC-1605 Determination of finance Charge, my credit was extended to XXXX XXXX XXXX and all sections below were violated due to dealer fraud. XXXX XXXX XXXX also mentioned that I be made the decision to not give me my vehicle back and that I would need to seek a new lender for the vehicle within 10 days. As the original creditor and securities lender to this transaction, this is dealer fraud.

Please see 12 CFR Part 1026.10 ( 4 ) ( I )
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was XXXX and put on XXXX for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( XXXX ) XX/XX/XXXX This case has been satisfied and completed. XX/XX/XXXX is 7 years this information came back as current as of XX/XX/XXXX. This charge & offense should have come off my background, AFTER 7YRS This has caused me employment client name : XXXX XXXX  XXXX client account number : XXXX THANK YOU IN ADVANCE FOR YOUR TIME XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I know that I have the right to a fair and accurate credit report. I have recently obtained a copy of all 3 of my credit reports and have discovered that there are items that I do not recognize on all 3 reports. I have tried to contact and retrieve validation of the unauthorized and suspected fraudulent accounts/debts and inquiries on all 3 of my credit reports directly from the creditors or debt collectors but have had little success. I have tried several rounds of disputing these accounts and inquiries with all 3 credit bureaus but keep getting stall letters from the credit bureaus or letters that say that the debt has been verified, but there is no further elaboration of how these debts and fraudulent accounts and inquiries were validated. I need your help! This is effecting every aspect of my life and I need these fraudulent accounts and inquiries removed immediately. I have a copy of the fraud report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Debt collection

This was an XXXX XXXXXXXX XXXX, I placed my the cards which were in a mini case in my jacket pocket after shopping in XXXX XXXX XX/XX/2017. I then went to XXXX where I XXXX I didn't realize that the cards were missing until months later ; approx 5 to 6 months later when I looked in my wallet and they were not there. After rambling, I remembered I put the card wallet in my jacket months earlier to make a purchase. I logged online and saw several charges from XXXX XXXX that were not mine. I contacted the creditor to advise that these charges were not mine and advised why I was stopping the auto pay. I'm not sure if the card fell out at XXXX or somewhere downtown when I was walking to my car. At the time that I viewed the accounts online the amount charged was approximately {$3900.00} with XXXX XXXX, this is what raised a red flag. I never charged that much and had the account set up on auto pay to pay the minimum charge each month. I was basically using tip money to pay for miscellaneous expenses therefore, I wasn't charging on this cards. After no contact from XXXX XXXX when I disputed the charges, the account was sent to Portfolio Recovery Associates LLC. I have spoken with them and advised that the debt was not mine. They sent packet information along with some print out receipts. I must file a report to go along with the information that they sent to me to dispute these charges.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I submitted a wire transfer of {$5000.00} and a fee of {$25.00} with my bank XXXX XXXXXXXX XXXX. Attached, you will find supporting documentation. The wire transfer was promised to go through in 3-5 business days at the latest. The bank said the transfer would be completed by the end of the day. 
The money was supposed to be transferred to my Binance account. 
My Binance user ID is XXXX. 
I did receive a transaction notice on my account that the wire transfer for {$5000.00} was pending at XXXX on the same day. However, since then I have not seen the money added to my account. 
I have contacted Binance support and have only received one response back on XX/XX/XXXX asking if the issue was resolved. I promptly responded the same day and have not, to this date of XX/XX/XXXX, received a reply or a solution to the problem. 
I also attempted to have my bank recall the funds because of missed opportunity, however that action was not successful.
Product: Debt collection

I never violated any consent in these apartments so that I have to pay that money
Product: Credit card or prepaid card

I have been charged for years a service fee for something called ( Payment Safeguard XXXX )  and this is something I never requested neither remember approving it at all .... I use the card a lot and get hundreds of charges, so could not identify until now. 
I have called Citibank to cancel that and to apply full refund, however they simply cancelled and even with future date XX/XX/XXXX and not applying the rexpective refund with is very disappointing must say ...., attached is the oldest charges I could retrieve from XX/XX/XXXX and until today I have been charged {$690.00} and I have this card since around XX/XX/XXXX so  cant imagine how much I have been charged for over 10 years and need help with this refund please please, Thanks in advance and Best Regards, XXXX XXXX XXXX
Product: Bank account or service

I recently requested copies of my statements and cancelled checks for the last year from my checking account. I was emailed 6 months worth of statements.  Wells Fargo sa id they could n't email the rest because " only some of them could be opened ''. They said they could only print them, but the files could not be opened. I then looked through the statements I did receive. I received  XXXX  different and conflicting statements for the month of   XXXX   XXXX   They are both clearly from the same account, and yet they have different information on the statements  ( one  said we were overdrawn for the month and the other said we had over {$4000.00} in our account ). When I spoke to  Wells Fargo  about these obvious problems in their records, and asked them to look into these problems. They said that they would not do that, it was against policy to investigate problems like these. Well, these are my records and since there is a very obvious problem, this needs to be addressed.
Product: Credit reporting or other personal consumer reports

Credit reporting agency is reporting incorrect information on XXXX XXXX XXXX account XXXX that states to have a balance of XXXX is incorrect. I do not owe that company nor do i have a active contract with them. As i sent the court documents from the state stating that the balance is XXXX. The credit company is being paid to keep negative information on my account from XXXX. In addition the account is more than XXXX XXXX XXXX which is supposed to be deleted. 

consumer portfolio services- account states a balance is XXXX which is incorrect. the car was a lemon and was sold under false pretense in the state of pa. the car was stolen and that amount in not owed. 

wrong information for dept of education. there are no late payments and neagtive accounts older than 7 years need to be deleted. 

there are inquiries older than 2 years on account and inquiries that i did not authorize.
Product: Credit reporting or other personal consumer reports

I don't have any knowledge in these inquiries and they don't have any permission from me. I believe they are fraudulent inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX ACCT # XXXX, has 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit Bureaus have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts listed below. I believe it was reported in error. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX Balance : {$6800.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the XXXXXXXX XXXX collection for XXXX that appears on my credit reports with Experian, TransUnion, and Equifax. Despite my repeated attempts to provide clear documentation proving the inaccuracy of this account, all three credit bureaus have failed to conduct a proper reinvestigation, as required under the Fair Credit Reporting Act ( FCRA ). 

To avoid further harm to my credit, I have been making payments on this balanceeven though this debt is not mine. I was harassed into paying it under the threat of continued negative reporting, yet the bureaus and the creditor have never provided me with verifiable proof that this account is valid. This is completely unacceptable and a clear violation of my rights under federal law. 

Your refusal to remove or correct this information has unfairly damaged my credit and financial standing. This pattern of negligence aligns with the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian, which exposes serious failures such as ignoring consumer-provided evidence, accepting unreliable responses from furnishers, and failing to properly notify consumers of dispute results. 

In my case, Experian, TransUnion, and Equifax have not provided any verifiable documentation proving the accuracy of the XXXX XXXX  collection for XXXX. If you can not verify this account with concrete proof, it must be removed immediately, as required by law. 

I am urging the CFPB to investigate these ongoing violations and hold all three credit bureaus accountable for failing to uphold the FCRA. Consumers deserve fair and accurate credit reporting, and I will not stand by while Experian, TransUnion, and Equifax continue to disregard their legal responsibilities. 

I expect an immediate resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this credit card account ending in XXXX for several months. 
On XX/XX/2023 I spoke with XXXX XXXX XXXX XXXX team and claims team. This called was monitored and recorded. I let the agent know that this account was indeed fraud didn't belong to me. A few days letter I received a letter from XXXX XXXX XXXX stating that they have completed the review and my dispute was resolved and no additional action was needed and the account would be deleted from my credit reports within 30 days. 30 days has passed and the account is still reporting. Today XX/XX/2023 I called and was told they never sent a letter in XXXX and the dispute was denied inXX/XX/2022, this call was also monitored.
Product: Checking or savings account

Not sure what you can do, but this is what has happened. Peoples United Bank, XXXX has changed their online banking format. They have made it very difficult to find a transaction. What they have done is put a single column for both " DEPOSITS '' & " WITHDRAWALS ''. Now you have to scroll to find a small " minus " before each withdrawal transaction. There is nothing to tell you if it is a " DEPOSIT ''!! You have to look over to see what the check was and try and figure if it is a Deposit or Withdrawal!!! I have sent them 2 messages requesting that they give us the option of keeping the old format or choosing the new format. They said " that is not an option ''. I have never seen a system where Deposit 's & Withdrawals are lumped into the same column. Do you know how confusing this is going to be? This is not standard banking practices. If you want to add up all your " Deposits '' you have to scroll through EVERY transaction instead of just looking at the " DEPOSIT " column. This is very time consuming and you are going to miss some deposits as they are lumped with the withdrawals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have relentlessly tried to remove a fraud alert on my account that was put on in error and incorrectly by XXXX, TransUnion and XXXX for over two weeks now. I previously had fraud alerts removed from the other two agencies, TransUnion and XXXX  and a freeze added to all because I was able to manage them online. I went through series of questions trying to confirm incorrect information in their system, verified my identity but still nothing. I can't even get a copy of my credit report sent to me because they refuse to update my contact information. I have no idea where it would go. I find it ironic that someone else can give them information about my credit file and they add it without question, but I'm told that I can't correct my own information without sending in proof even though they can verify me over the phone. XXXX refused to remove my fraud alert without me mailing utility statements, copies of my ID, SSN and other endless documents. I refused to mail them that information, especially since there have been so many breeches involving them. I don't want to add to it. I found out while attempting to apply for credit that the 7 year fraud alert was added to my profile by XXXX but it did not properly include the phone number for the merchant to verify that it was me applying. They still refused to remove the alert even though they realize that it did not have a number associated with it. Then on XX/XX/XXXX, they must have refreshed the fraud alert because I received notification that it was added again by XXXX and was extended to the other two bureaus. So today I had to start over again contacting them all again and fight to have the information removed. So now I'm playing this game of being required to send them endless documents in an attempt to get them to correct the problem and it is taking them days to correct. I am not able to apply for credit with this problem.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account had not been late on payments. The account on my report : [ EQUIFAX ] XXXX  XXXX XXXX Account number XXXX LATE PAYMENT XX/XX/year> Date opened XX/XX/year> [ XXXX ] XXXX XXXX XXXX LATE PAYMENT XX/XX/year> XXXX Date opened XX/XX/year> [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Account number XXXX Date opened XX/XX/year> Is showing the date of late payment as XX/XX/year> I'm now requesting you investigate and provide verifiable proof, with records, showing that I had a late payment. If this information can not be verified, I demand these payments be updated to paid on time immediately. 

Thank you for your understanding and prompt action.
Product: Checking or savings account

Bank of America has allowed checking accounts to be opened fraudulently twice with my information. XX/XX/XXXX and XX/XX/XXXX. When I called, they kept me on hold for 3 hours, then told me a claim was filed and the accounts would be closed. Neither of those happened. There are no claims, and the the accounts are still opened and being used fraudulently.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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/block any items listed on an id theft report. 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, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXXXX 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 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting or other personal consumer reports

I had a credit limit of XXXX. This company ran my credit without my consent then lowered my available credit based on my current credit state. Making me right over my available credit. I did not request a increase at the time. They just randomly looked at my credit report and used the information to say we are lowering your available credit without my knowledge. My credit line is now over the limit bc they lowered the credit available I had no idea of this. This information was then reported to the credit bureaus and my credit score decreased.
Product: Credit reporting or other personal consumer reports

My information was stolen via the infamous data breach. My credit has been impacted by these breaches since 2017 to present day. None of the inquiries and reporting should be allowed to remain on my consumer report due to the fact that my privacy was breached and I can not confirm the validity of the charges listed.
Product: Mortgage

I recently received my statement of activity regarding my Escrow Account from LoanCare. There were some interesting transactions so I called the customer service number provided on the statement for assistance. Once again, the customer service is terrible. The representative was unable to answer my questions or refer me to someone who could answer my questions. Based on my experience, this seems to be a trend with LoanCare. Here are my questions : For the month of XXXX, an escrow payment occurred in the amount of {$1200.00} described as FHA monthly transaction. This amount seems greater than a typical monthly amount. I would like to learn the detail and purpose of this transaction. Please provide me the contact information for FHA. 

For the month of XXXX, there were two escrow payment transactions in the amount of {$41.00} each described as FHA monthly transaction. I'm assuming this was because the XXXX FHA monthly transaction was missed according to the statement. Why was the XXXX monthly payment not submitted timely? 

For the month of XXXX, there is a transfer balance in the amount of {$230.00}? Where did the transfer balance go? An explanation was not provided.