23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account 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 REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I am aware of the situation at hand. It doesnt change the fact that i didnt receive my money by the XXXX and i now have an eviction filed against me along with court fees now applied as well doe to not paying by the deadline. This is not my fault! Capital One has been unable to provide any valuable information to inform its customers of when we can expect to see our funds. This needs to be rectified!
Product: Credit reporting or other personal consumer reports

I submitted a dispute on my Transunion credit report XXXX XXXX XXXX account number XXXX in the amount of {$21000.00} Transunion did not do a investigation and i sent a letters certified a letter from the creditor, police report, XXXX report and a copy of my ID AND SSC. They did not remove the fraud account from my credit report which is in violation of the fair credit report rules on fraud
Product: Checking or savings account

On XX/XX/2022 I received the following emails from Bank of America : XXXX Verify your email address XXXX Online application in process XXXX Your application was approved XXXX Welcome to Online and Mobile banking XXXX Your email address was updated I noticed these emails at approximately XXXX ( an hour after they had been sent ). I do have an account with Bank of America, but did not attempt to open a new account. I immediately called Bank of America and they did see a new account was opened using my social security number. They froze the account and will be closing it. I believe I was only notified about this because I have an account there already, so someone pretending to be me would automatically have their confirmation emails sent directly to me instead of a new address.
Product: Credit reporting or other personal consumer reports

To whom this XXXX concern, My name is XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

Subsections 1681-2 ( a ) and ( c ) and 15 U.S.C 1681-B, to demand immediate removal of the listed accounts in my report and in this file. These accounts were added without my expressed written consent, a violation of my rights as a federally protected consumer. Federal law prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listings both unauthorized and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts in my statement. Additional Unauthorized Inquiry : XXXX, XXXX XXXX Bank, XXXX XXXX Na, XXXX XXXX Na, XXXX XXXX, XXXX XXXX Na, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 


These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXXConfirmation of corrections made to the disputed items. 
XXXXAssurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
XXXXWritten confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX & XXXX XXXX Bankruptcy-discharged Reference XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage loan with XXXX XXXX XXXX XXXX XXXX XXXX. I sent in a loan payoff in XX/XX/2020. XXXX confirmed receipt but never paid off my loan. The funds were not applied to the loan balance. I called customer service numerous times as I was still receiving statements in XX/XX/2020 & letters with a mortgage balance. It is now XXXX & after numerous calls to customer service, I received an update on my credit history showing that XXXX reported a delinquent account. How can I be delinquent when the loan was paid off in XX/XX/2020? XXXX failed to process the loan payoff in XXXX. My credit needs to be corrected & I want evidence/confirmation that XXXX corrected it. I have excellent credit - over XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account.
Product: Mortgage

I've been trying for several weeks to get Dovenmuehle Mortgage to reissue me a check for the balance of my closed out mortgage. I've been on the phone with them numerous times and they have process my request over the phone at least 3 times yet there is no evidence on their end of any check every having been issues nor mailed. They owe me XXXX. I've been fighting this for over a month. I also have a compalint open with XXXX  of XXXX with complaint # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} ; U S DEPT OF EDXXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX
Product: Debt collection

XXXX credit report now reflects XXXX derogatory remark from Williams and Frudgefor {$6100.00}. Debt is unknown. No notification or explanation given prior. XXXX called approximately 1 week ago for validation of debt. None obtained to this date.
Product: Checking or savings account

My tax return for XXXX were filed and the refund was erroneously deposited into a person/persons account who banks with TD Bank on XX/XX/XXXX This is not my banking financial institution and the account where the funds were deposited doesn't belong to me. I contacted the IRS completed the 3911 form to trace the money. after the completion and verification of the trace, TD has yet to return my money for my federal refund. My XXXX XXXX has corresponded with them as well and they have remained silent in regard to the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX BMW. The reason why I am writing this complaint is because on my XXXX, XXXX, and XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Credit reporting or other personal consumer reports

Last week on the XXXX of XXXX I call Equifax and spoke with a agent named XXXX around XXXX she never informed me that the call was being recorded once she answered the phone
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 requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations 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

XXXX payment history is reporting inconsistently. 

XX/XX/2018 Transunion says 'ok ' XX/XX/2018 XXXX says late 'XXXX ' XX/XX/2018 XXXX says 'ok ' XX/XX/2018 XXXX says late 'XXXX ' XX/XX/2018 XXXX says late 'XXXX ' XX/XX/2018 Transunion says late 'XXXX '
Product: Vehicle loan or lease

On XX/XX/2024| was approved for a vehicle at XXXX XXXX XXXX XXXX XXXX Credit was never issued on my behalf to finance the vehicle so l 'm reaching out to settle in arbitration for withholding securities.
Product: Credit card or prepaid card

Account XXXX 1. The Consumer debt was sold to a Non Register California Debt Purchaser XXXX XXXX XXXX XXXX XXXX based in Texas as of XX/XX/XXXX. The company does not need a license, insurance and bond to collect it's own debts from California consumers. But the company was not register of their entity with the Secretary Of State Of California to do business in California. That is the State Corporate law. I had complain to The Secretary Of State, the State Attorney and to XXXX  in XX/XX/XXXX and in XX/XX/XXXX the debt buyer removed the account from all three credit reports due to not following the California Corporate law of registering their entity. The debt is not collectible or other wise the debt buyer would still be on my credit reports. All my complaints that I had filed. BBVA Compass is avoiding my complaints regarding the issue..

2. BBVA Compass had abused my credit files. I had attached all three credit reports from XX/XX/XXXX through XX/XX/XXXX and a few from XX/XX/XXXX to the complaint. I had sent the same reports to BBVA Compass by email and it was ignored. I would like for BBVA Compass to take a good look at all 3 credit reports and let me know what you see. The account is not reporting accurately and it should had been stopped in XX/XX/XXXX when the account was sold. I had filed a dispute and the dispute took more then 30 days. The Account should had been removed from all credit reports. If you have any question please let me know. I hope and pray that you would have compassion and see that my credit reports been misused. It is only fair that the account be removed.

BBVA Compass had said many times in other complaints and emails that they don't have any records of BBVA Compass reporting the negative account on their system. That is why they can not send me copies of the records of when BBVA Compass reported the negative account in Jan through XX/XX/XXXX. It is my word against BBVA Compass because I got the proof of the misused of credit reports. Why deny it? All my complaints that I had filed. BBVA Compass is avoiding my complaints regarding the issue..

3. Because the account is in my name that I did not apply personally online for the consumer credit under a faults income ie Business Projection Income of {$100000.00} to start a business that was less a year old. My income yearly {$10000.00} XXXX  XXXX. BBVA Compass knew that. BBVA Compass business partner XXXX XXXX  goes online five days a week filling out personal credit application for clients with many banks. If approved BBVA Compass has another costumer. I got proof. All of that should be against the law.

PS I had requested the contact info to the collection manager and it was refused.
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record. As we enter this attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXXXXXX Balance : {$650.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I used my ATM card in XXXX, XXXX. I made XXXX attempts to withdraw XXXX EUR which I never completed or received the cash ( I exited the screen and never approved the transaction ). Then, I made another attempt to withdraw XXXX EUR, which I did receive the cash for it. 

The merchant charged me for the XXXX transactions, despite the fact that I never received XXXX of them ( XXXX x XXXX ). 

On XX/XX/XXXX, I filed a claim with XXXX XXXX disputing XXXX of the XXXX transactions ( XXXX x XXXX ) that I never received the cash for. 

On XX/XX/XXXX, the bank sent me a letter stating that they investigated and I will receive a " partial '' refund of XXXX, meaning that the merchant was saying that only XXXX of the XXXX transactions was not completed. How come the merchant charged for XXXX transaction that they say was invalid and only refunded after Chase 's investigation? Is that a merchant that can be trusted by Chase? They are simply lying or being inaccurate. 

XXXX XXXX, I reopened the claim with Chase. 

On XX/XX/XXXX, I received a letter from Chase saying that the claim is denied and I am still being charged for XXXX of the XXXX disputed transactions. 

On the same day, over a recorded call with Chase, the agent told me information that is different from the letter I received. He told me that the merchant is saying that all of the XXXX transactions were valid and I am going to be charged for all of them. When I asked to speak to a supervisor, she said that I will be charged for XXXX of the XXXX disputed transaction as the letter says. 

Chase hasn't done a thorough job to investigate the claim and have been communicating conflicting and inaccurate information. 
Chase won't provide any details about the evidence they received from the merchant. 
Chase trusted whatever evidence the merchant provided against my claim despite the fact that the merchant itself says that XXXX of the transactions I disputed was invalid ( I didn't receive the cash ) after they charged me for it! How come such merchant be trusted when they made such mistake? 
Chase should protect its clients against such shady merchants actions. I am being charged for money that I never received. 
Chase refused to reopen the claim or do anything further to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom This May Concern, Account : XXXX Dated Open : XX/XX/XXXX Requested to be Closed in XX/XX/XXXX Hope your day is well. I have a late payment on my credit report from XXXX XXXX XXXX XXXX. This Account was already paid off and is closed but its reporting on my credit report as a late payment. I need this incorrect information that needs to be deleted from all my credit reports. I was suppose to get a letter since XX/XX/XXXX from XXXX XXXX XXXX XXXX  stating that this account is closed and never had a late payment. My statement never came to my house on file and I never received the letter.
Product: Mortgage

I had Chase mortgage for several years. I was current on my payments until summer of 2019. I contacted the Chase to make payment arrangement and later a modification to catch up on the missed payment. An arrangement was made and I made a payment as agreed. The next month my mortgage was sold/transferred to XXXX XXXX. XXXX XXXX started sending me notice that I am 4 months delinquent and in pre-foreclosure. Since my mortgage was just currently obtained by XXXX, there is no way I should be delinquent. Once I called XXXX, they had no record of the modification that was arranged with Chase and thus did not have to honor the payment agreement. I was not notified by Chase that the sell/transfer of my mortgage to another company would thus make me delinquent because XXXX did not have to honor the agreement and would negatively impact my credit score further. I feel railroaded and treated very unscrupulously by Chase Mortgage.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I have not initiated any transaction with XXXX XXXX  Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ). 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; PLEASE REMOVE THE FOLLOWING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6.WORLD ACCEPTANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, 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.

The letters are stated with items and issues.

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 XXXX 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: Money transfer, virtual currency, or money service

This is my second complaint to Paypal. Their response to the previous complaint was unacceptable. They are not accepting an responsibility at all for restricting access to my company 's Paypal funds. They must be held responsible. This is already considered Swindling. Immediate action and investigation must be taken.