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

I HAVE CONTACTED EXPERIAN SEVERAL TIMES AND CLEARLY THEY TAKE THE BANKS SIDE EVERY TIME. I HAVE ASKED XXXX XXXX XXXXXXXX FOR COPIES OF THE CONTRACTS AND NO RESPONSE AND I HAVE ASKED XXXX XXXX  FOR BOTH CONTRACTS AND NO RESPONSE, I HAVE SENT EXPERIAN FRAUD DIVISON POLICE REPORTS AND FTC REPORTS AND A NEW COPY OF MY DRIVERS LICENSE AND ON THE POLICE REPORT IT SHOWS THE ADDRESS OF XXXX XXXX XXXX XXXX SC XXXX IS FRAUD ADDRESS AND THE XXXX  WAS MADE AT THAT ADDRESS FOR FRAUD FOR USING MY PERSONAL INFORMATION. EXPERIAN DOESNT LOOK INTO THE INVESTIGATION AND GIVES THE BANKS FIRST RESPONSE AND BELIEVES THEM VS MY STATE AND FEDERAL PAPERWORK I HAVE SENT THEM. I WILL FILE SUIT AGAINST EXPERIAN UNDER THE FAIR CREDIT ACT. I'M A RETIRED XXXX XXXX AND THIS MESS ISNT HAPPENED TO ME. EXPERIAN BLOCKED THIS ADDRESS IN XXXX SC YEARS AGO FOR FRAUD AND NOW UNBLOCKS IT BECAUSE THE BANKS SAY ITS RIGHT. THEY ALSO BLOCKED 2 YEARS AGO A XXXX ACCOUNT AND NOW LETS THEM PUT IT BACK ON MY REPORT WITHOUT CAUSE. I HAVE SENT AND HAD BOTH BANKS SERVED WITH A ORDER FROM A STATE JUDGE IN NC WAITING THE CONTRACTS FOR THOSE CAR LOANS. EXPERIAN NOR THE BANKS HAVE REPLIED TO THE INVESTIGATOR WITH THE FTC IN XX/XX/XXXX WANTING THE PAPERWORK THE BANK SENT THE CREDIT BUREAUS SAYING THOSE ACCOUNTS WERE CORRECT NOR THEY HAVEN'T SENT THE CONTRACTS TO THE BANK EITHER. NOW THE BANKS ARE IN SHOW CAUSE FOR CONTEMPT OR A COURT ORDER. I AM FILING SUIT AGAINST XXXX  XXXX XXXX AND XXXX XXXX  ASAP, EXPERIAN TOMORROW IN XX/XX/XXXX COURT. WHEN THE FRAUD ACCOUNTS ARE REMOVED AND BLOCKED I WILL RELEASE THE LAWSUITS. WHAT GETS ME IS XXXX  XXXX XXXX AND XXXX XXXX BOTH REMOVED THOSE ACCOUNTS FROM XXXX  AND XXXX BACK IN XX/XX/XXXX, PLUS EXPERIAN REMOVE BOTH INQUIRES FROM XXXX XXXX XXXX AND XXXX XXXX   BACK IN XX/XX/XXXX AND I TOLD THEM THAY WERE FRAUD. I CAN SHOW PROOF I WASNT EVEN IN THE COUNTRY IN XXXX OR XXXX, XXXX SO HOW DID I PURCHASE SEVERAL CARS THEN WHEN I WASN'T EVEN HERE. EXPERIAN DOESN'T LOOK AT ANY OF THE PROOF I HAVE SENT THEM SHOWING THOSE ACCOUNTS ARE FRAUD. I WILL ALSO FILE SUIT AGAINST XXXX FOR LETTING THIS HAPPEN 2 DIFFERENT TIMES AND PLUS FILE SEVERAL LAE SUITS AGAINST EACH COMPANY AND EXPERIAN FOR XXXX XXXX! I JUST HAD A XXXX   XXXX IN XX/XX/XXXX AND MY DOCTOR HAS WRITTEN A LETTER STATING THE XXXX FROM EXPERIAN AND XXXX XXXX AND XXXX CAUSED ME TO HAVE THIS XXXX. EXPERIAN NEEDS TO LOOK INTO PAPERWORK THEY RECEIVE BEFORE THEY TAKE THE BANKS SIDE. WHEN EXPERIAN RECEIVED THE PAPERWORK FROM ME THEY OPENED THE DISPUTES AND WITHIN 48 HRS THE BANKS RESPONDED SAYING THE ACCOUNTS ARE RIGHT. HOW DID EVERYONE AND EXPERIAN INVESTIGATE THIS FRAUD WITHIN 48 HRS!!! THEY CAN'T, NEXT THEY WILL ANSWER TO A FEDERAL JUDGE IN XXXX NC ABOUT THIS AND WHEN THEY SEE IM TELLING THE TRUTH MORE LAWSUITS WILL BE FILED. BECAUSE MY BANK WHO HOLDS MY HOUSE LOAN ON BACK OF MY PROPERTIES ARE CALLING IN THE LOANS BECAUSE OF THIS. I HAVE THE LETTER STATING IT FROM MY BANK.
Product: Student loan

On Wed, XX/XX/XXXX, XXXX, Nelnet emailed me notifying me of pending messages. The next day I logged in to access them, but there was an issue with the XXXX XXXX, after a reinstall, I went back, but the messages were gone. I tried to phone their support, but was left on hold for hours and could not wait longer. I emailed them, but have not heard back in the weeks since. I also filled out their email contact request form that day and have not heard back either. They are withholding potentially vital financial communications they are legally required to send me, and have obscured and prevented me from accessing them.
Product: Debt collection

I recovered an old email address after all of my accounts were hacked by XXXX XXXX XXXX ( D.O.B XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) While I'm going through about a years worth of emails many of which are scams and malicious intended to further steal my data and identity, I see HUNDREDS of emails from XXXX XXXX XXXX XXXX XXXX ( current creditor of your original XXXX XXXX XXXX ( XXXX XXXX  ) account ). 
Ive asked multiple times for them to cease and desist. The emails continue regardless.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX AND EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Student loan

1. XX/XX/XXXX XXXX # XXXX spoke with me to handle my request for a loan verification to submit to my loan officer for escrow. She said it would be emailed to me in 2 weeks 2. XX/XX/XXXX XXXX # XXXX informed me XXXX sent it out then when she looked again told me they cancelled my request because I did not submit verification forms. Though it was in my upload history she claimed she needed employer verification and I needed to resubmit it. I submitted it the same day. She informed me I would get credit in PSLF payments once they verififoed the employer.

3. XX/XX/XXXX XXXX  # XXXX at XXXX PST told me the forms were received and I should expect an email in 5-7 business days to the email on file.

4. XX/XX/XXXX XXXX # XXXX  informed me that although there were no instructions on the PSLF my form was rejected because it didnt follow the MM/DD/YYYY format for my employment beginning date. This was completed and after uploading it 3 times she finally confirmed seeing it to send in for review with the loan verification request.

5. XX/XX/XXXX XXXX XXXX confirmed my documents had been received and were in review. She informed me to call back XX/XX/XXXX if I did not hear back ( get the email with the loan verification.

6. XX/XX/XXXX I get an email saying section 3 which is the start for employment of incorrectly filled out.

I followed the instructions and I am livid that I keep going through the ringer with these people. This company functions like the loanshark for profit company XXXX. You never get the same person, they dont want to give you a supervisor, no responsibility is taken for their mistakes and they lack professional organizational skills.

This is unacceptable
Product: Debt collection

I have received absolutely no notice of this account from anyone. It is reporting to my credit, and I have no information available to me to even attempt and resolve it. I have no record of the amount they are claiming I owe, and have been provided no information whatsoever to validate their claims.
Product: Credit reporting or other personal consumer reports

Without proper authorization, the creditor conducted this inquiry! Remove it as soon as you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of XXXX our home was foreclosed on. For the past 2 and 1/2 years we have worked hard to improve our credit pay off any debt and make ourselves trustworthy again. Because of freedom mortgage we have not been able to obtain a new home loan. My husband is a VA eligible borrower and because freedom mortgage is reporting the account paid off in closed XXXX of XXXX instead of XX/XX/XXXX of XXXX when we were evicted. We have not been able to obtain a new mortgage on a new home we are trying to purchase. We take full responsibility and acknowledge the foreclosure. It happened due to circumstances beyond our control and we wish we could go back and correct the issue before the foreclosure took place. Unfortunately that is not the case and we must deal with the repercussions, but we ask that information be reported properly to the bureaus. We have filed various disputes asking for the dates to be corrected. And to show the last account reporting date reporting information and close account dates to be based on the date that the home was purchased by a new buyer which is XX/XX/XXXX. Reporting the account close in XXXX of XXXX is unacceptable unprofessional in a blatant lie. The account was and should be reflecting as closed out in XXXX and although we have tried various measures to correct the issue freedom mortgage has been difficult and unable to assist us and legally I believe they should not be able to do this We were asked to move out of our home in XXXX because the home was sold there should be no other legal stands for them to report anything after that date I have documentation showing when the property was sold, As well our eviction notice stating that the home was sold. All we're asking is for a credit reports to show the account closed date and last reporting date of XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Digital payments company Block agreed to pay {$250.00} XXXX to federal and state regulators for deficiencies in its oversight of its peer-to-peer payments tool Cash App and to compensate users who became victims of fraud. 

Specifically, the company agreed to pay the Consumer Financial Protection Bureau a {$55.00} XXXX penalty and to compensate victims with up to {$120.00} XXXX, according to a press release from the federal agency Thursday. 

Block employed weak security protocols for Cash App and put its users at risk, the CFPB said in its release. While Block is required by law to investigate and resolve disputes about unauthorized transactions, the companys investigations were woefully incomplete.

Block allegedly directed consumers that suffered financial losses to their banks for redress, but when the banks went back to the company for compensation, it would deny the requests, the CFPB said. The company also employed other tactics to block consumers efforts, like tricking them with its terms and undertaking shoddy investigations, the agency alleged. Block saved money in the process, the agency said. 

Cash App created the conditions for fraud to proliferate on its popular payment platform, CFPB XXXX XXXX XXXX said in the release. When things went wrong, Cash App flouted its responsibilities and even burdened local banks with problems that the company caused. 

The company also agreed to pay an {$80.00} XXXX fine imposed by states that alleged its money transfer service Cash App violated banking laws, according to the Conference of State Bank Supervisors. 

The XX/XX/XXXX settlement between Block and 48 states also requires the company to take corrective actions, including hiring a consultant to review the comprehensiveness and effectiveness of its programs to comply with the Bank Secrecy Act and related anti-money laundering laws, the state association of regulators said in Wednesday press release. 

Those laws are meant to deter the movement of money for illicit activities and the financing of terrorism.
Product: Debt collection

This is inaccurate and should NOT be even listed. I have a current good standing account with XXXX XXXX and prior have n't had any business with them for 7 years. I have disputed this item several times. This is a violation of my rights.
Product: Checking or savings account

Im having a problem with the banking institution Chase. I lost my wallet back in XXXX with my debit card inside but it took me about two months to realize that my chase account had been compromised and used frequently in the meantime because Im frequently XXXX  and XXXX. When I filed the claim on XX/XX/XXXX everything seemed to go accordingly until they denied me for almost every fraudulent transaction. I am very surprised by this because my pin was used and at chase banks where I am sure theyre many cameras to see exactly who stole my money. I feel that investigating done by the bank was insufficient. They have yet to tell me specifically why the claims were denied. I provided them with hospital records I was able to obtain in the short amount of time they gave me to do so which was 3 days on XX/XX/XXXX. The banking institution also mislead me with information suggesting that they would paper mail me information regarding my claim when I first spoke with them which was never done. I waited patiently before being denied without thorough explanation. At this point I am confused on what to do in my situation and need further assistance and guidance. Im at a loss of about {$1400.00} my whole account funds which is very rough for me because I lost my job due to covid 19 and my illnesses and that was money I had intended on saving for hard times. Please help.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023.
Product: Checking or savings account

On XX/XX/XXXX, I attempted to transfer {$210.00} from my Capital One account to my XXXX XXXX  XXXX account. However, instead of the requested {$210.00}, Capital One doubled the transfer, withdrawing a totaling {$430.00} from my account. When I went to review my XXXX XXXX  XXXX account, I saw that only {$210.00} was transferred. I contacted Capital One to inquire about the mishap and was informed that XXXX erroneously authorized my card twice for the same amount. On XX/XX/XXXX, Capital One provided me a temporary credit of {$210.00} pending its investigation. This made me whole. 

Subsequently, however, on XX/XX/XXXX, XXXX arbitrarily removed {$210.00} from my XXXX XXXX  XXXX  account without any explanation. This put me back at - {$210.00}!. When I contacted XXXX  to find out why MY money was removed, I was told it did so because Capital One initiated an investigation and that the {$210.00} was reimbursed to them. I then contacted Capital One to find out the whereabouts of MY money, and it stated it could not provide me any information because the investigation was still ongoing. Becoming increasing frustrated, I contacted the XXXX  XXXX  XXXX  hoping it could help in getting MY money returned to me. On XX/XX/XXXX, XXXX responded to my XXXX  complaint simply stating that XXXX  XXXX   XXXX  services and features are facilitated through XXXX XXXX   XXXX. XXXX further stated it considers the matter closed. On XX/XX/XXXX, Capital One responded to my XXXX  complaint simply advising me that it had up to 90 days to investigate my claim. Two days later, on XX/XX/XXXX, Capital One sent me an email stating only that it " finished investigating my dispute, that any temporary credits deposited into my account are now permanent, and that my dispute has been resolved. '' However, neither response has been helpful because neither XXXX nor Capital One has provided me any findings or conclusions. Most importantly, since XXXX removed {$210.00} from my account to [ allegedly ] reimburse Capital One, I am still out {$210.00}. 

I have contacted XXXX  and Capital One several times since, and as of XX/XX/XXXX, I still have not had MY money returned to me OR an any explanation whatsoever regarding what happened to MY money. I am hoping your office can help or provide me some information as to how I can get MY money returned from either Capital One or XXXX XXXX XXXX. I find it disheartening that, in XXXX, a financial institution can arbitrarily remove money from an account without any explanation whatsoever!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and this what happened On, XX/XX/XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, months later, to be exact, on XX/XX/XXXX, I submitted my first dispute to the credit bureaus, I started my disputes to the credit bureaus very often, but so far since that time date, I have submitted package of Identity Theft XXXX time, Unfortunately, I pulled my updated credit report, and these accounts still appear : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ( XXXX ), XXXXXXXX XXXX ( XXXX accounts ), XXXX XXXX XXXX ( XXXX XXXX ) ( tow accounts ), I want these accounts to be remove on my credit report, because it is affecting my ability to more credit cards.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Prepaid card

Hello, so I have a few Amex prepaid gift cards totaling the amount of {$990.00} from XXXX gift cards total. I have tried to use these gift cards everywhere and they get declined every single time. I reached out to Amex and they told me to make sure the amount Im using is covered fully by the balance which they were. They also suggested using the card physically in the store vs using it online but I did state that I was using it in a physical store and it get getting declined and every location I tried to use it at assured me it wasnt on their end but an Amex end. Amex only resolution was to mark my cards lost or stolen but they have not been lost or stolen, I have them here. And its not XXXX gift card its XXXX seperate gift cards that all get declined. Im not sure what marking them as lost or stolen will do, I feel like this is their sneaky way of keeping peoples money
Product: Debt collection

From XX/XX/XXXX to XX/XX/XXXX I was XXXX. From XX/XX/XXXX to XX/XX/XXXX I was on XXXX XXXX. The dates of the bills in question I was XXXX  for, and there is NO WAY it was me attending these appointments! I've tried disputing this XXXX different times and they refuse to remove the {$4000.00} from my credit report. XXXX  XXXX as well as the original creditor, XXXX XXXX are BOTH aware of my XXXX, yet refuse to remove it. This bill is affecting me getting a loan for a car, and ruining my credit. I feel as if I should not be responsible for a debt incurred while I was in XXXX  and couldn't have been at the doctor, as you're not allowed to leave a XXXX. I am currently working with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  to get records of my XXXX.
Product: Credit reporting or other personal consumer reports

I changed my name legally about XXXX  months ago. I used XXXX to get my credit reports from the XXXX main credit agencies, and all the information was correct. I changed my name with all of my creditors as well. I regularly check my credit score through my Experian online account too. When I changed my name, I requested Experian to update my online account with my new legal name as well. I submitted the required documents, and eventually, the name in my Experian online account was changed. However, after changing the name on my online account, Experian occasionally displays that I have no credit score in my account. XXXX or XXXX days in a month, Experian shows my new name with a credit score. And for the rest of that month, Experian shows my old name, and states that I do not have any credit score. I contacted Experian numerous times via phone and email. Each time I was just transferred from Online Account department to Dispute department back and forth. In my last attempt, I was transferred to the Dispute department, and I was told that " You'll have your credit score in XXXX business days '' and that obviously hasn't happened. 

XXXX of my creditors ( XXXX Bank ) provides a " free credit score '' monitoring service, but since they use Experian, I do not have any score there either. This brings me to this point that I'm about to have a big purchase ( purchase a car ) and I know the seller uses Experian to check credit score/history. Experian 's incompetence may prevent me from making my purchase or end up with a very high APR.

I have attached my last correspondence with Experian. I attached some Experian reports that show my credit score under my new name, and others that show no score under my old name after changing my name with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  accounts XXXX XXXX # 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 15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has derogatory trade lines that are over XXXX XXXX XXXX not in compliance with the FDCPA & TDCA. Please make an inquiry as have my credit report corrected and updated with all credit bureaus. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, TX XXXX TX Drivers License # XXXX SSN : XXXX U.S.Passport # : XXXX
Product: Money transfer, virtual currency, or money service

Pnc won't let me link my act to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AR XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Dear Equifax , I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : Public Record from a XXXX  XXXX Bankruptcy on XX/XX/XXXX. 
I dont recognize this public record. Please provide proof from the court of this public record. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
Sincerely, XXXX XXXX