23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Capital one closed my account due to unsatisfactory customer however they took away my ability to login to make a payment on my balance. The online statements were not viewable because I am denied access online to see my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was notified of Equifax XXXX XXXX of my personal account information. After XXXX XXXX XXXX. I filed per letter. They settled in XXXX I think. I went on their class action site to check my claim it stated there was no claim. I summited another claim per their site by giving them all information including my social security number to verify I was a member of the class action. I was allowed to file because my claim was verified through their website. I waited several months no settlement was issued and I read online there was a deadline to file for time used to correct what had been breach with my data, identity theft etc. I went back on their site and it said claim was denied. That I am not apart of the suit. That I can not claim for anything even future expense from the data breach. And according to the website I gave up all my rights to sue them with my own attorney? And I read several class action lawsuits to see if they can take your right to sue a company and apparently several state you give up your rights even if you are unaware of the suit or not? How can this be? I received the initial letter by mail and no more written correspondence. Shouldnt I have received something informing me about my claim? I sent receipts, bank statements etc. not one word except the attached emails
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received court papers from XXXX County Ohio XXXX XXXX courts stating a complaint was filed by Convergence Acquisitions LLC with Attorney XXXX XXXX XXXX with XXXX XXXX XXXX. This was for a XXXX XXXX  account. 

XX/XX/XXXX I was contacted by XXXX XXXX and payments where set up and automatically withdrawn from my account on the following dates :XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This was to settle the XXXX XXXX  account that Convergence Acquisitions LLC filed the complaint with the courts. 

XX/XX/XXXX Around this time the above account was removed from my credit report and lifted from XXXX. Also received a letter from the court stating the case was dismissed. 

XX/XX/XXXX I received court papers from XXXX County XXXX Court stating a complaint was filed by Convergence Acquisitions LLC with Attorney XXXX XXXX with XXXX XXXX XXXX. This was in regards to the same account. 

XX/XX/XXXX I called the office of XXXX XXXX XXXX weekly and left messages with XXXX XXXX with no calls returned. 

XX/XX/XXXX I finally got through and talked to a real person at XXXX XXXX XXXX named XXXX who advised me to fax him the letter from XXXX XXXX that states the account was paid in full. The fax was sent and received. 

XX/XX/XXXX I started the process to get a mortgage. In my report its listed that their is a judgement against me. 

XX/XX/XXXX I called the law office of XXXX XXXX XXXX only yo find out they were no longer in business. I then called XXXX XXXX only to find out that they were also no longer in business. I then contacted Convergence Acquisitions LLC. I spoke with a man named XXXX XXXX and he stated that they knew nothing about the XXXX Judgement against me and the only one they seen on their system was the one filed in XXXX that was dismissed. He asked for me to fax over the XXXX court papers and the letter stating that the account was paid off. 

XX/XX/XXXX I faxed over all the paperwork I had regarding this. 

XX/XX/XXXX I called Convergence Acquisitions LLC and spoke with XXXX XXXX. He told me that the account number listed on my paid in full letter did not match the account number they had listed. He also stated they have never heard of XXXX XXXX. He told me that I am responsible for paying this judgment or they will take action against me to receive payment. 

XX/XX/XXXX I filed a complaint with this company through the XXXX XXXX XXXX XX/XX/XXXX I received an email from the XXXX XXXX XXXX stating that the complaint was sent to Convergence Acquisitions LLC and was returned as undeliverable or no longer in business. 

I feel this company is fraudulently trying to get money off of me twice! Seems a little suspicious that these companies are becoming out of business
Product: Checking or savings account

XX/XX/ my account was charged {$19.00} from XXXX XXXX, a name I did not recognize. I contacted customer support and resolved the issue, or so I thought. Every month since, on the 5th my account has been charged and I've contacted the support team about it, with no resolution. This month I've resorted to getting a new card and bank account and have been denied my current fraud claim. I never authorized these transactions and have been mostly tossed around by a bad customer support system.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX SSN : XXXX XXXX : XX/XX/XXXX Experian : XXXX XXXX XXXX XXXX XXXX, GA XXXX RE XXXX Correction to my personal information Dear Experian, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address and names off my personal record. 


Incorrect name : XXXX XXXX XXXX XXXX name : XXXX XXXX XXXX Incorrect address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Incorrect address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX, XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Im 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 requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Case number XXXX was incorrectly closed without any action or resolution provided. The company illegally making the credit inquiry, CREDCO, provided a blanket disclaimer that they were a third party and would audit XXXX XXXX 's permissable purpose. They did not provide any result or position on the matter. The case was closed without their audit resolution or intentions. I am requesting the issue be reopened until CREDCO completes their audit and removes the false credit information or provides evidence that I applied for a loan -- evidence which does not exist. XXXX XXXX 's telephone calls attempting to get me to refinance 3 months after my home purchase were 100 % rejected repeatedly. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, which has resulted in several fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts and inquiries to ensure the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting

I disputed a judgement on my credit report for a judgement to be removed. I even provided official court documents saying that the judgement had been set aside and that I am dismissed from the case. Equifax sent me an email saying that the dispute is complete and that they already have it marked as satisfied on my credit report. Even though my documents from the court set aside the judgement they refuse to remove it from my credit report because the papers have an electronic judge signature instead of handwritten one. Equifax said they can not use electronic signatures and the courthouse said electronic signatures is what every judge uses in the state of Utah now according to code. I want this removed from my credit repoerts Equifax and XXXX.
Product: Credit reporting or other personal consumer reports

Account information is wrong/ Non-compliant. My next steps will be to pursue litigation
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiries i do not reconize XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  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

Mailed Midland Credit Management detailed legal requirements for validation of an alleged debt. All they sent back were statement copies.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX with a balance of {$410000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commision ( FTC ). My grievance is directed towards XXXX, Transunion, and XXXX for infringing on upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.
Product: Credit reporting or other personal consumer reports

My information was exposed on the XXXX data breech. I recently noticed fraudulent inquiries. Please remove these from my report. 

Name : XXXX XXXX XXXX XXXX Date of inquiry XX/XX/year> Name : XXXX BANK Date of inquiry XX/XX/year> Creditor Name : XXXX XXXX Inquiry date : XX/XX/year> Creditor Name : XXXX CARD SERVICES Inquiry date : XX/XX/year> Creditor : XXXX XXXX Inquiry date : XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX  and XXXX  need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep reporting the same issues every month with the improper use of my credit score. You continue to allow these people to fraudulently use my information. Changing my credit score to XXXX to XXXX Ill be getting a lawyer. I no who is responsible I promise it will stop. One I get legal proof Ill go from there
Product: Mortgage

I have requested the payoff release of lien XXXX for the amount of {$10000.00} per request from my lender on a hud 1 and title and tax buyer and taxes and my buyer is ready to close. The XXXX XXXX Police where the house is located has been watching the house because a squatter was living in the house when they entered XX/XX/XXXX. 
And the taxes have to be redeemed right away to avoid me loosing the house to the tax buyer for {$27000.00}. 
I would like the settlement payoff to be faxed to XXXX for {$10000.00} on property address XXXX XXXX XXXX XXXX XXXX XXXX XXXX because the taxes according to my County Clerks Office must be redeemed XX/XX/XXXX and I do not want to loose my buyer and the house is vacant to vandalism. My investor agreed to do this for me.
Product: Mortgage

OCWEN FAILED TO SEND US CLAIM FORMS OR CARDS AS PROMISED. THEY TRIED TO FORECLOSE TWICE FROM XX/XX/XXXX-XX/XX/XXXX THIS LOAN WAS A XXXX, XXXX XXXX XXXX FRAUDULENT MORTGAGE IN XX/XX/XXXX-XX/XX/XXXX/XX/XX/XXXX WHEN XXXX XXXX GAVE US OCWEN TO COVER UP IN XX/XX/XXXX AND NEVER RESOLVED THE MORTGAGE FRAUD XX/XX/XXXX-XX/XX/XXXX. PLEASE HELP! 
LOAN NO.XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

I am filing this complaint because I was mislead by XXXX XXXX at XXXX XXXX during my refinance process. 

Although I was going to get a slightly lower interest rate, I was hesitant to refinance because I was already 1 year into my PMI payments with the current loan at Wells Fargo. He insisted that the lower interest rate would out weigh the ONE year of extra PMI payments. 

-- My father is my witness as I placed ALL phone conversations on speaker phone so that he could listen and ask questions on my behalf ... 


XXXX told " us '' that I would not have ANY issues getting rid of the PMI after the 5 years. He said to make sure that I was never late with any of my payments. He explained that I would want to reach out to the bank at least 6 months prior to the 5 year contract term to " get the ball rolling ''. He said I would probably need to obtain and pay for another appraisal but in the end ..would n't it be better to pay {$500.00} dollars for that than to pay the PMI monthly. He said that as long as the appraisal showed there was 20 % equity in the home, the bank would have to cease the PMI payments. He went on and on about the current house market ( at that time ) and how the house was probably close to it already. He said there would be no issues. 

A month after my refinance went through, I received a letter from XXXX XXXX XXXX telling me that my mortgage was sold to Wells Fargo. 

So when the 4 1/2 years had gone by and I had paid all of my payments on time, I reached out to Wells Fargo to discuss removing the PMI at the 5 year mark. I was told then that it could not be taken off until their was 20 % equity of the " original '' purchase price. This would have me paying these PMI payments until XX/XX/2021. This was NEVER mentioned by XXXX. 

I feel I was completely mislead just so that he could possibly have met his " quota '' for refinances. And I am now paying the price.
Product: Credit card or prepaid card

On XX/XX/XXXX I lost my wallet and ID. The next day I noticed a number of large transactions ( XXXX ) on my XXXX Chase XXXX card ending in XXXX. I immediately reported the situation to my credit card company. They opened an investigation then things went sideways. They denied my claim and I asked why they didn't provide any real reason. They then asked me two months later to file a police report. XXXX Chas XXXX requested my credit information and the replacement request of another card. I immediately provided both pieces of information. I informed XXXX Chase XXXX that they asked me early on if I filed a police report and I said no, but was happy to do so if they needed me to. I am happy to do so now, but what I find odd is that I can not get any information from the credit card company to give to the police that may aide them or something that explains as to why now this request is needed. Also, I asked what the merchant has provided and XXXX Chase XXXX said nothing to date. I found that to be even more strange. So large transactions without merchant repsonse is now the obligation of the card holder. Doesn't seem right. Please feel free to contact me at XXXX for additional information.
Product: Checking or savings account

The issue is with the Marcus by Goldman Sachs Bank where I have the savings account. The funds came in from the external account for the amount of XXXX $ and they have put my account on hold for weeks now. They are not providing any resolution or reasoning. They have put a hold on the funds that I own. Request you to quickly help me resolve the issue.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX - ACCOUNT OPENED FOR {$1100.00} ONXX/XX/XXXX XX/XX/XXXXACCOUNT OPENEED FOR {$290.00} ONXX/XX/XXXX I HAVE ADVISED THE COMPANY THAT THESE ARE NOT MY ACCOUNTS AND IHAVE PLACED A DISPUTE ON ALL OF THE CREDIT BUREAUS AND THEY ( XXXX AND XXXX HAVE SAID THEY SPOKE WITH CREDITOR AND CHARGES ARE VALID. I HAVE ASKED THE BUREAUS TO PROVIDE PROOF AND THEY HAVE FAILED TO PROVIDE ANY INFORMATION
Product: Credit reporting or other personal consumer reports

15 USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my WRITTEN Consent Account name XXXX XXXX account name XXXX XXXX XXXX mail me documents that written to give you permission to report a charge off in 30 days if you cant plz delete the negative account off my credit report immediately plz and thank you and can you send to the address below XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX {$440.00} XX/XX/XXXX {$260.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$230.00} I have been disputing these fraudulent claims for years. Not my accounts.