23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/22 my minor daughters bank account was robbed for XXXX. TD Bank has yet to return her money. I have filed two complaints and supplied them with the police report. My daughter is XXXX and works for her money and this is just wrong. Ive called TD numerous times and they are no help. My daughters name is XXXX XXXX and the account is in her name. I am on her account because she is a minor. Also this occurred in her savings account not her checking.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent po report to XXXX, XXXX, and transunion XXXX XXXX, XXXX and XXXX XXXX id theft victim sent everything to the major credit bureau
Product: Money transfer, virtual currency, or money service

I used a tax preparer to file my income taxes for XXXX in XXXX of this year ( XXXX ). Once I sent him all of the pertinent information, he told me what my return amount would be. However, he lied about the amount, as I was not even able to track it on the IRS ' website, he also never gave me a copy of my return or allowed me to authorize it. My refund never showed up in the account that I authorized the XXXX preparer to send it to. 
I later found out that the preparer had my refund routed to a third-party service then known as XXXX ( now XXXX Bank ) , that he had allegedly taken his fee out via their bank, they had also taken out their fees, and then he allegedly sent the remainder of my refund to a completely different financial institution ( Wells Fargo ) than I had authorized him to. I reported this incident to the IRS and was told to contact the preparer ( who can no longer be reached... surprise surprise!!! ) and they also did an investigation ( if that's what you want to call it ) that took XXXX months. After those XXXX months, I still have no resolution. I have reached out multiple times to both XXXX Bank ( XXXX XXXX ) and Wells Fargo and they both continue to pass the buck and play games with my money/livelihood. XXXX Bank maintains that Wells Fargo is not cooperating with them, and Wells Fargo claims that they have no record of any wrongdoing, because they don't have the account information in order to investigate. However, XXXX Bank claims they have sent numerous faxes and e-mail to Wells Fargo requesting that they fill out an indemnity form, but Wells Fargo Execs and branch representatives continue to claim that they ( allegedly ) have never received anything from sender ( XXXX Bank ). So, here I am, months later, still without my refund because of an apparent scammer and ***hole who has inconvenienced me and my family ( of whom includes a XXXX XXXX ) beyond measure. Luckily, a taxpayer advocate did assist me recently and gave me some pretty valuable information/advice to proceed with things. I just want this situation resolved so I can move on with my life and continue to take care of my family. I'm a single parent ( not by choice ) after COVID hit, and enduring such an unplanned event is taking a toll on my health. I want the tax preparer to be held accountable for his actions, and I'd like a resolution to happen some time this year.
Product: Credit reporting or other personal consumer reports

I have looked over my credit report and noticed these unauthorized accounts and inquiries that is hurting my ability to get credit : XXXX XXXX XXXX Account XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> This is not my account. I have no knowledge of this account. 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the following accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, EQUIFAX, XXXX or Violation of Fair Credit Reporting Act ( 15 USC 1681e ) Dear Sir/Madam, XXXX XXXX XXXX  I am writing to file a complaint against Credit Bureau XXXX, EQUIFAX and XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding the deletion of an unverifiable and inaccurate account from my credit report. This issue has arisen as a result of Credit Bureau XXXX, EQUIFAX and XXXX failure to take appropriate action despite the account being supplied with information that is NOT even me, my privacy has been breached by two other credit bureaus. 
On XX/XX/year>, I obtained a copy of my credit report from XXXX XXXX XXXX XXXX  and upon review, I discovered an account listed that is both unverifiable and inaccurate. Recognizing the importance of maintaining accurate credit information, I promptly initiated a dispute with all three major credit reporting agenciesEquifax, XXXX, and XXXXrequesting the deletion of this erroneous account. 
To my dismay, while Equifax and XXXX promptly investigated the matter and deleted the disputed account from my credit report, Credit Bureau XXXX, EQUIFAX, XXXX failed to take similar action. Despite providing evidence supporting the inaccuracy and unverifiability of the account, Credit Bureau XXXX, EQUIFAX, XXXX has neglected to comply with the FCRA and has allowed this erroneous information to persist on my credit report. 
This failure by Credit Bureau XXXX, EQUIFAX, XXXX to delete the unverifiable and inaccurate account is a clear violation of Section 1681e of the FCRA, which mandates that credit reporting agencies ensure the accuracy and fairness of the information they report. By not adhering to these standards, Credit Bureau XXXX, EQUIFAX, XXXX has not only compromised the accuracy of my credit profile but has also caused inconsistencies that can potentially harm my financial well-being. 
I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Credit Bureau XXXX, EQUIFAX, XXXX complies with the FCRA by promptly deleting the inaccurate and unverifiable account from my credit report. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The incorrect information has not been corrected and they have been violating my rights for over 6 yrs. 

XXXX Showing both accounts ( Paid As Agreed Never Late ) PAANL Requesting XXXX XXXX TransUnion to correct the status : XXXX reporting incorrect information XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion reporting incorrect information ( 30 Days Late ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This was not done : I did not receive any such letter and all my attempts to remove this inaccurate information have been hurting my ability to get qualified credit.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year> & XXXX XX/XX/year>
Product: Credit card

On XX/XX/24 XXXX I rented a card at XXXX XXXX for about XXXX hours to get from XXXX XXXX to XXXX, and dropped it off after fueling at the XXXX location at XXXX. When I got my charge, it showed that I was charged over double what my estimated charges were supposed to be ( not including tolls which were paid separately ). I tried calling the XXXX and XXXX XXXX multiple times and I either don't get anyone to talk to or they say they will look into it or call me back and they never do. I also called the main customer service line and they won't let me speak to a XXXX or provide me a number for a regional or district manager. I even emailed the XXXX customer service and they ignored me after I said I need to speak with a higher level manager. So I ended up disputing the charge with my Chase credit card and submitted to different sources of proof as to what the charges were. Chase is now saying they will close the dispute because XXXX sent them and invoice that shows different than what I was supposed to be charged. Thw whole point of a chargeback is toprotect you from instances like this, but Chase is not protecting me. At this rate anyone with a credit card number and invoice can charge whatever they want to your card and Chase won't do anything because their invoice was given. It is absolutely absurd.
Product: Vehicle loan or lease

Attached : Exhibit 1 : Paid off lien with XXXX XXXX XXXX on XXXX/XXXX/2022. The account was considered settled in full and closed by XXXX. 

Exhibit 2 : Received letter dated XX/XX/XXXX22 from Ford stating that the security interest for the XXXX has been satisfied. 

Exhibit 3 : Tried several times, first with XXXX and then the XXXX  XXXX to apply for a title only to find out I needed to get electronic lien release from Ford credit. Contacted Ford credit 4 times since XX/XX/XXXX22 with no resolution. In fact, the customer service department had no clue or interest in trying to resolve this situation. They didnt know anything about their own letter releasing security interest nor would the let me email them a copy. Im very frustrated with Ford as I have 2 more autos which are Fords. Always believed in buying American, but may reconsider.

Exhibit 4 : Ford Credit and XXXX XXXX XXXX Information Customer service phone # 's account # 's, and Vin #.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a potential debt for XXXX XXXX XXXX services on my credit report from XX/XX/XXXX. It says that it is from XXXX XXXX response in which I was not in an ambulance in XX/XX/XXXX. I requested more information on the debt from all credit bureaus and have not received anything. With all disputes resulting in the collection saying that it is verified but no information AT ALL. The beginning of XX/XX/XXXX, It was deleted from all reports after filing another dispute in XX/XX/XXXX asking for more information again. Today it reappeared on my XXXX  report. I have not received any notice of this account being added back. The account is still not on the other two but do not know what to expect. Why am I being denied more information on an account that is on my credit reports?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair 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 requirement 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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 : 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: Debt collection

It says I owe XXXX  capital systems XXXX dollars. This was reported XXXX XXXX. I do not owe this debt and do not have a contract with any of these parties.
Product: Credit reporting or other personal consumer reports

The account was charged off XX/XX/2021 and is reporting every month which is a violation of credit reporting act
Product: Mortgage

Select Portfolio Servicing is my mortgage servicer and I have requested a 3-month forbearance on my mortgage. I live in the state of Florida and my area in XXXX County is under a Major Disaster Declaration that was declared on XX/XX/2017. The mortgage company sent me an approval for a forbearance however, they are requesting a balloon payment in the amount of {$5800.00}. I truly feel as if the bank is setting me up for failure. 

My family and I had to evacuate our home and when we returned we were without power for a total of 9 days. I did sustain damage to my roof and contacted my insurance company and because they are so behind in claims my adjuster has not come to my home as of yet. I lost all of my food in my fridge and freezer. When the power came back on I had to pay an electrician because some of the power did not come on in other areas of my house. My family and I could not remain in the home while the power was out as temperatures reached between 85 and 90 degrees.
Product: Credit reporting or other personal consumer reports

I am writing to you today regarding the ongoing challenges I have faced in attempting to remove charge-off accounts and inaccurate addresses from my credit report. Despite ten previous attempts, the inaccuracies persist, and I am deeply concerned about the impact they are having on my financial standing. 

The charge-off accounts and inaccurate addresses in question are as follows : [ List the names and details of the charge-off accounts and inaccurate addresses, including dates. 

Despite my persistent efforts, the inaccuracies remain unresolved, and I have received no indication of progress or resolution from your end. The continued presence of these inaccuracies on my credit report is not only detrimental to my financial reputation but also undermines the integrity of the credit reporting system as a whole. 

I urgently request a thorough investigation into the charge-off accounts and inaccurate addresses on my credit report and a swift resolution to remove them. With this, I am asking for your assistance to remove these accounts and inaccurate addresses in my credit file : XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXX Balance : {$44.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request to Block and Delete Fraudulent Accounts Pursuant to 15 USC XXXX ( a ) ** Dear TransUnion, I am writing to formally request the blocking and deletion of fraudulent accounts appearing on my credit file, as I am a victim of identity theft. My personal information was compromised due to the recent data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC XXXX ( a ), I am entitled to have these accounts removed from my credit report promptly. 

The following accounts are fraudulent and were not opened or authorized by me : XXXX. XXXX XXXX XXXX - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date Opened : XX/XX/XXXX XXXX. XXXX  XXXX XXXX - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date Opened : XX/XX/XXXX In accordance with 15 USC XXXX ( a ), I am providing the following documents to support my request : XXXX. A copy of my identity theft report filed with the FTC. 
XXXX. A copy of my government-issued identification ( e.g., drivers license ). 
XXXX. Proof of address ( e.g., utility bill, lease agreement ). 

I request that these fraudulent accounts be blocked and removed from my credit file. Please notify me in writing of the results of your investigation and any actions taken. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting several inquiries by XXXX XXXX to my credit report while its obvious that no company needs to pull ones credit several times a week let alone several times a day. Transunion refuses to remove the inaccurate information while it only took a simple phone call to XXXX and XXXX to get this error corrected. 
Transunion wants me to reach out to XXXX XXXX which I did and they both Transunion and XXXX XXXX Are having me having to jump through too many hoops to have me to correct their misinformation which has caused me to miss out on several credit approvals due to this Misinformation being reported on my credit. Below is how the item appears on my credit XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX made over 20 hard inquries to my credit report within a 3 day period which is clearly a mistake and refuses to correct the mistake. 

Help with correct this will be greatly appreciated.
Product: Debt collection

In XXXX of 2019 I was called by a collection company stating I owed {$320.00} for what was a XXXX XXXX bill. I had never received a bill from XXXX stating I owed any balance, and when I received the call from the collection company they were very rude and threating on the phone. I would've paid the bill if I had received one from XXXX but I never did. When I got the call from the collection company I had asked them to prove that I was the one who owed the debt. They refused to do so, saying they did not have to prove it and that I owed it. Anyways, I paid them that same day so I wouldn't have to deal with them any longer. Now I am trying to buy a home and this paid collection is hurting my scores.
Product: Credit card

I paid the remaining balance on the date due, yet after the XXXX cut off time as I was unaware of. I then was charged a late fee due to that which I was unaware of again. I didnt pay as I didnt know and they charged interest on top of that. XXXX. And some change. I paid that, and they just sent a bill for XXXX. I am unable to contact them as they have blocked my number and I have no way of filing a grievance regarding this matter. I am in need of assistance or direction to gain control as this is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern : I'm writing to you in concern of some inquiries that are reporting on my credit file that I do not recall. 
Please see items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please forward me any documentation providing proof I applied for credit with these creditors. If proof can't be provided, then please remove these inquiries from my credit profile immediately. 
Sincerely, XXXX XXXX
Product: Bank account or service

This is in regards to my Santander XXXX checking account. This account gives a {$10.00} bonus 2 times each month for a total of {$20.00} dollars. XXXX bonus ( {$10.00} ) is for having a direct deposit of at least {$1500.00} each month and the other bonus ( {$10.00} ) is for making a total of XXXX bill payments from the Santander website per month. 

I did not receive my bill pay bonus ( {$10.00} ) for XXXX separate months. Those months were XXXX of XXXX and XXXX of XXXX. 

During XXXX I made the following XXXX bill payments : XXXX. XXXX XXXX, XXXX - {$530.00} bill payment to XXXX XXXX Credit Card ( XXXX Card ) XXXX. XXXX XXXX, XXXX - {$610.00} bill payment to XXXX Credit Card ( XXXX Card ) During XXXX I made the following XXXX bill payments : XXXX. XXXX XXXX, XXXX - {$480.00} bill payment to XXXX XXXX Credit Card ( XXXX Card ) XXXX. XXXX XXXX, XXXX - {$14.00} bill payment to XXXX XXXX Credit Card ( XXXX XXXX Card ) I called Santander on XXXX XXXX. During this call a representative helped me open a case which was escalated and would be resolved in a week. I received a call on XXXX XXXX from Santander bank informing me my request had been denied and that I did not make XXXX bill payments from my account. I do not agree with this and the records on my account show that I did indeed make the required XXXX bill payments. I was not able to further escalate the case over the phone. 

I would like Santander to fix this issue and follow through with giving me the XXXX bonuses for {$10.00} each ( {$20.00} total ) as the account terms indicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few Accounts on my Credit I have not authorized or dont recognize
Product: Credit card or prepaid card

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/21 Balance {$3000.00}