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

Email indicating that I was going to be billed nearly {$500.00} for XXXX XXXX and if I didnt want it to call the phone number. It was so realistic that I felt I had to respond. I have a XXXX  XXXX  and should have been smarter. I terminated The call and the fraudulent party continued to ring my phone, they finally gave up after about 15 minutes of calling and I had blocked each call. 

Weve insured we have not suffered any financial losses. My wife is at our bank and will change all the logins and passwords and our bank is closing the accounts involved and creating new ones. 

I send this in good faith that it might provide some additional piece of information to help catch these people. 

My number is ( XXXX ) XXXX. 
Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act XXXX XXXX XXXX missed payments & I OWED {$2600.00} open XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX missed late payments & I OWED {$20000.00} open XXXX, XXXX XXXX missed late payments opened XXXX, XXXX XXXX XXXX XXXX missed late payments on XX/XX/XXXX open XX/XX/XXXX Collections- XXXX XXXX XXXX {$89.00} XXXX inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are not the Original Owners 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I applied for a Home Equity Loan, an issue of a delinquent loan showed up on my credit report. I did not borrow the {$3000.00}. I have never heard of XXXXXXXX SST or XXXX XXXXXXXX XXXX  until it showed up as a delinquent account on my credit report. 

It showed up recently and not when the loan was originated so it is probably a problem with the reporting rather than the initial loan.
Product: Credit reporting or other personal consumer reports

In XXXX I sent a dispute letter to XXXX, XXXX, and Equifax regarding inconsistencies on my credit report. I asked them to investigate and never received a response, and the information was never taken off of my credit report. I have sent several requests since XXXX, and with no luck. This is a direct violation of my rights according to the Fair Credit Reporting Act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXXXXXX XX/XX/XXXX
Product: Checking or savings account

Chime closed my accounts. I sent my XXXX and ID information as requested and did it before the due date. I received additional emails stating my account would be closed and I contacted Chime to let them know that I had submitted my documentation. They confirmed my documents had been received and for me to disregard the email. On XX/XX/year>, my accounts are closed and I lost online access. I called Chime and they said for me to wait as they were backed up and they confirmed I had sent my documents twice. They couldnt say when my access would be restored nor if my ACH debits would be honored. I asked for a manager and the manager provided a completely different answer and stated my documents werent supported by their system. I never received an email asking me to resend, and their representatives did not provide this information. This is clearly a UDAAP violation.
Product: Credit card or prepaid card

on XX/XX/XXXX i received two paper notices in the mail that capital one was closing my XXXX XXXX and XXXX XXXX Credit cards due to some type of violation of their policy with either one or more of my accounts. I called the accounts review department and requested to know exactly why my accounts were being closed and was advised that it could be due to 1. returned payments or 2. too many late payments on this or any other of my credit card accounts. I advised the call center rep that i have not had any returned payments on this account or any other accounts nor have i had any late payments on any accounts, i informed the rep that actually my credit is in better condition now then it was when i first obtained the cards last year in XXXX. I was told that i could not be given any definitive information about why my cards were being closed and that i could reapply if i liked. I also asked what would show on my credit report and would the information be something that would negatively effect my account and i was told by the representative named XXXX that he did not know. I asked to speak to his supervisor and was informed again that the supervisor did not know and there was noone around who could assist me with getting any answers to my questions. I violated none of the capital one credit card holder policies and my accounts either need to be reinstated or i need a detailed reason why my accounts were closed. I have paid my accounts on time and used the cards as needed, I understand one of the creditors is going bankrupt but it seems fraudulent to close an account with perfect payment status on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of : 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 Balance Owed : {$150.00} ; XXXX XXXX XX/XX/2020 ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have entered a dispute to have this BK removed from my credit file previously. Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau can not verify the BK, ( because the court doesn't share information with credit companies ). This credit bureau has not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit file.
Product: Mortgage

I am a first time homebuyer I purchased my house on XX/XX/XXXX. I had to add my mother to my mortgage because I was unable to be approved with the amount I made. I was guaranteed that my mortgage payment would not go up significantly by my mortgage broker they of course did all my underwriting and know I can not pay a XXXX more than I did. My note was XXXX it went up to ( XXXX ) after my escrow analysis ( it was not my insurance it was my taxes ) my escrow analysis was due to be done on the anniversary of my home purchase!!!! It should have been XX/XX/XXXX. I did not receive an escrow assessment until The end of XX/XX/XXXX 8 months late. When you call planet mortgage lending, there is even a part of the phone call that says your escrow analysis is done on the anniversary of your home purchase but mine wasnt. I feel like this is predatory lending that they knew I couldnt afford this giant jump in my note so I would either have to refinance or sell, which is where Im at. I had to use a credit cards to pay the difference on the last two house notes putting me more in debt. And Im still saving up this month to pay the note. I called and talked to five different departments. I talked to over seven people, my original mortgage loan processor said not her problem. Call someone else. I did talk to several people that said they would put the payments over a 24 month period to make my note less. I told them my note needed to be under XXXX for me to afford it, they gave me two escrow analysis One in XXXX and one in XXXX they both are over that amount. As a first time homebuyer, I know that if they would have given me my escrow analysis on time, I would have had the months of XXXX, XXXX, XXXX, XXXX, and XXXX to file for homestead exemption. Therefore, my note would not have went up because they did not do their job in the correct time frame My note is now unaffordable. I did not have an option to file homestead after receiving the letter. The tax office did give me a discount and that is the only thing that lowered my escrow analysis. They did not take any responsibility for not doing it on time.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App. ( Block , Inc . ) due to inadequate customer service and u fair practices which violates the Consumer Financial Protection Act. Cash App failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive. These actions has cause my accounts to be close, financial loss, and a significant inconvenience, and I seek appropriate redress for these violations.
Product: Checking or savings account

I was scammed by being sent fraudulent checks through email that I would print out and deposit in my bank account. The first check was worth XXXX . The second check was worth XXXX . I was then told by a scammer claiming to be a XXXX  XXXX XXXX professor which is the university I attend to purchase 4 XXXX XXXX Cards, the first one worth XXXX , the second one worth XXXX $ and the third one worth XXXX $ and the fourth one worth XXXX $ which equals a total of XXXX . I would then take a picture of the codes on each and send them to the scammer. The first check I deposited got rejected which is how I found out it was fraudulent. The reason why I did all this in the first place was because I applied for on-campus jobs through an app called XXXX XXXX which is an app for students who are interested in having an on-campus job or doing an internship related to their major so I assumed this had something to do with one of the jobs I applied for especially given the fact that they were claiming to be one of  the professors at my university. 
I have attached the codes of all 4 of the XXXX XXXX Cards I purchased as well as the amounts of money that were deposited in my bank account via the fake checks, the money that was taken from my bank account because of the first fake check as well as the amount of money I purchased on the XXXX XXXX Cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates continues to report this account to my credit report, saying it's a delinquent account. I have been making payment 's every month since they took this account over and they refuse to remove or update it on my credit report. I also continue to get calls from them about this debt. Someone named XXXX said they would leave me alone if I give them access to bank account to debit monthly payments. I told them I do not feel comfortable doing that and I have consistently made a payment every month so I don't see what the issue is.
Product: Credit reporting or other personal consumer reports

Hello Customer Service, I would like to submit a complaint against Equifax in regard to the lack of availability to submit an address change online and/or via telephone for individuals with XXXX and/or XXXX 

The Credit Report XXXX XXXX, XXXX and XXXX all have a means to make accommodations for individuals with XXXX and/or XXXX 

In addition to submitting a complaint, I also would like the opportunity to be able to update my address and for Equifax to incorporate updated procedures to accommodate these type of requests. 

I am XXXX and do not have access to a printer and/or transportation to complete the current process of updating my address via mail. 

Thank You for your time and assistance. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Consumers are provided the opportunity to freely dispute inaccuracies on their credit reports as reported by creditors without retaliation. On XX/XX/2021 I reviewed my XXXX credit bureau and noticed that HSBC Bank USA, N.A had incorrectly reported my balance due on my open card ending XXXX. I submitted a request for an online investigation via the portal of XXXX 's Credit Dispute system. After carrying a balance on my account for ~6 months and making monthly payments, often in excess of the monthly minimum payment due, I paid the entire balance off in full. I also paid the balance of ALL my other credit cards off at the same time so that my balances reflected a - $ XXXX. After submitting my payment, HSBC failed to update the status of my account to reflect my payment history and the now current balance. I submitted my dispute for them to review the payment history and HSBS subsequently retaliated against me for using the dispute option and they reduced my credit limit from {$6500.00} all the way down to {$500.00} and sent me a letter that states the following : ( All of which are inaccurate based on the PAID IN FULL status of ALL my accounts ) 1- Amount own on revolving accounts is too high. ( False ALL balances were XXXX at time of letter generation ) 2- Proportion of balances to credit limits on revolving accounts is too high. ( False ALL balances were XXXX  at time of letter generation ) 3- Proportion of balances to credit limits on revolving bank/national revolving accounts too high. ( False ALL balances were XXXX  at time of letter generation ) 4- Length of time revolving accounts have been established. ( Account was approved with {$6500.00} limit with lesser credit history prior to my dispute ) I have called multiple times to speak to agents who are allllllllll to incompetent to understand what happened and provide a blanket statement of " We mailed you a letter '' ( mentioned above ). 

It is 100 % clear that HSBC Bank as retaliated against consumers for utilizing the options afforded them by regulatory agencies such as the CFPB. During first contact with HASB customer service the agent indicated that upon review of my complaint they have taken action on my account. CLEAR DISCRIMINATION for filing my complaint for their inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft/fraud. I lost my bank card while on vacation in XXXX. I received a notice from XXXX  XXXX XXXX, stating my account was overdrawn. I went in branch to investigate, and was advised there were fraudulent checks going through my account and XXXX was returned for forging signature. The account was closed and my cards shutdown. Even though they know my card was stolen, I was forced to pay the overdrawn amount which was {$9700.00}. Now, on my Earlywarning and XXXX systems credit file and report, its showing that I was committing checking account fraud. I contacted XXXX XXXX XXXX  and ask that they update my account internally and with the credit/consumer reporting agencies. I was told I have to contact them personally. i have written multiple letters to XXXX XXXX and Earlywarning, providing proof that i did non of the transactions and I have no knowledge of if, I lost my card and this has been the pending result, they either send me back to XXXX XXXXXXXX XXXX or say the information is correct. either way I keep getting the runaround. I asked for details example the name of the person they spoke to while investigating, proof bearing my wet ink signature or any documents and up to this day, they have not provided me with anything. Under the FRCA I asked them to remove all unverified, derogatory information from my report being they can not provide any documented or verifiable proof, they have not done that either. Due to the derogatory, unverified information XXXX bank who was my main bank for over 10 years immediately closed all my accounts and ended all relations with me. Same thing happened with other banks I had accounts with. This derogatory information has been a huge burden on me and huge inconvenience with financial institutions. I was denied opening a new bank account because of this. I did everything they asked even paid the balance, I wrote, called, plead n begged. I'm at my last resort now, I'm tired of the back and fourth honestly. I feel like I have been getting computer generated replies, because its the same thing over and over. I'm kindly asking you to step in and help please. 
Any proof or additional information you need please don't hesitate to ask I'm a hard working honest young man, no arrest or criminal history. 
Thanks in advance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX early warning- XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My name is  XXXX   XXXX . DOB  XXXX  ;  SSN   XXXX . I 've been diagnosed with   XXXX    XXXX  on  XXXX   XXXX ,  XXXX , and have been an SSI recipient all my adult life.     My mother,  XXXX   XXXX   XXXX , DOB  XXXX  ; SSN  XXXX , has been my rep-payee until I got married to  XXXX  on  XXXX / XXXX / XXXX , and she used to own accounts under my name, in effect stealing my SSI funds.  XXXX  got me a TRO against her, which later got dismissed.     I went to SSA on  XXXX   XXXX   XXXX   XXXX ,  XXXX , OR  XXXX , and  XXXX   XXXX  got me a   XXXX   XXXX    XXXX , #  XXXX   XXXX   XXXX   XXXX , expiry date  XXXX .  XXXX  got ahold of it and stole my SSI deposit on  XXXX / XXXX / XXXX . I had to call for a replacement card.     When I called Direct Express to change my address to my current one in  XXXX , WA, I was told to fax  XXXX  pieces of ID to  XXXX   XXXX . Then I was told that they could n't read it at all. All of the sudden they cleared the account but did NOT update my address.     On  XXXX   XXXX ,  XXXX ,  XXXX   XXXX  stole {$620.00} out of my {$660.00} SSI direct deposit, again. When I called DE they were rude to me, especially a customer service rep named  XXXX , and hung up the phone on me when I requested to update my phone number and mailing address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to XXXX. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Debt collection

Second Request : I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.
Product: Credit reporting or other personal consumer reports

I am contacting you for the second time regarding inaccurate information in my credit report provided by Experian. Specifically, I am referring to XXXX XXXX XXXX, XXXX, which reflects late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, They are incorrect. I have compared this information with other credit reports, such as XXXX, which does not show these late payments and instead reflects a correct payment history. I have attached evidence of this discrepancy, which indicates that Experian is violating my rights under the Fair Credit Reporting Act ( FCRA ). Specific Violations of the FCRA : 1. Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : This section requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer report information. The inconsistency between Experian and XXXX clearly demonstrates a violation of this provision. 2. Section 611 ( a ) [ 15 U.S.C. 1681i ] : After I previously submitted a dispute regarding this account, Experian says he provided me with the results which is not true, he never provided me with the results of the investigation, without conducting a proper investigation. This suggests no meaningful action was taken, violating my rights under this section. 3. Section 623 ( a ) ( 1 ) [ 15 U.S.C. 1681s-2 ( a ) ] : This section prohibits the reporting of information that a data furnisher knows or has reasonable cause to believe is inaccurate. Since other agencies are not reporting these late payments, it raises serious concerns about the legitimacy of the data currently being reported by Experian. I formally request that this inaccurate information be corrected immediately. If these late payments can not be verified with valid evidence, they must be removed from my credit report. I appreciate your prompt attention to this matter and expect that the necessary corrective actions will be taken.