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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX of Debt XXXX and would like for all listed account to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following account : XXXX Account number : XXXX Balance : {$2300.00} XXXX XXXX Account number : XXXX Balance : {$14000.00} XXXX  XXXX XXXX  Account number : XXXX Balance : {$490.00} XXXX Account number : XXXX Balance : {$660.00}
Product: Checking or savings account

They are discriminating against me; violating my rights, stealing my money, continuing to use my account but claim to closed it, lying, wont give information requested, stealing over XXXX XXXX dollars from me.
Product: Credit reporting or other personal consumer reports

Negative accounts reporting inaccuratecy on my credit report. According to 15 USC 1681EB. You are suppose to assure maximum possible accuracy.these accounts are not accurate according to the fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX transferred our mortgage to Specialized Loan Servicing in XX/XX/XXXX. From then on they reported me late to credit bureaus and will not correct it, even though I have proof that I am not late. I have requested SLS several times to correct it. We can not refinance or purchase anything. I have filed with the credit bureaus more than once. Still not corrected. All payments were mailed in the month due and have usps receipts except XX/XX/XXXX which was paid online and have receipt for same. They misappropriated funds in our escrow and claim we will get a refund, but have not and then want us to mail it to mail.
Product: Debt collection

I was contacted in XXXX XXXX by my XXXX yr old XXXX XXXX saying a detective was trying to locate me gave me a number when I called it was a representive from fms who said he was in charge of my student loans and wanted me to pay XXXX dollars over phone that day and get set up on a XXXX dollar month repayment plan I gave him new adress and said if he sent me the mail I would respond he never called back in may i recieved letter from XXXX issuing wage garnishment to correct adress as he sent everything to prior adress in tn I had not lived there since XXXX I never recieved his companys paperwork garnishment started immidiatly upwards of XXXX amonth and a yr later i still owe more than orriginal loan amount XXXX did an eternal review and denied my request for lowering payments even with childsupport taxes state and federal and insurance payments of XXXX a week this company has unlawfully cased my family hardships and made me finacialy unable to retain couinsil to defend myself and had not had contact with dept of education since XXXX when the company who had my loan went out of bussiness obviously I didnt have an oppertunity to respond to thier claims as i never recieved them at present adress.
Product: Debt collection

Professional Finance Co tried to collect {$220.00} on behalf of XXXX XXXX XXXX and this was opened in XXXX. I went through chapter XXXX bankruptcy and it was included in this bankruptcy, which was discharged XX/XX/XXXX. I disputed through XXXX XXXX with the company and it was proven to be discharged and meeting FCRA requirements for discharge, yet they submitted another hit on my credit after it was already successfully disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to Equifax and posted it on this site as well, with a concern that my personal information was inaccurate. Please ask them to correct my name.
Product: Credit reporting or other personal consumer reports

I was alerted to a new hard credit inquiry on my credit report, lowering my credit score. It showed it was from XXXX XXXX XXXX. I contacted the bank and the person I spoke to asked me to provide a number associated with an account to look it up. I stated I did not have that. I was transferred to the fraud department where they attempted to find the inquiry but found nothing. It is now showing on both my transunion and my XXXX reports.
Product: Checking or savings account

I have been a Wells Fargo customer for many years!!! Never having an issue until 2019 where I was called inside because something was going on with my account. Never given the full explanation on why I was called in but when I came in with my daughter the bank associate said I had to make a call and verify which she handled on the phone they asked my daughter for her id and thats was it. My account when first created was a savings account no one has access but me know one knew my information Im and old school person so a bank card I never had always used withdrawals and deposit sheets. I had direct deposit from The XXXX XXXX for many years as well. I went to do a withdrawal and I was told there isnt enough to cover my transaction I found out there have been XXXX transfer and my money disappeared I filed a claim then month later no money back and Im stuck
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE THIRD TIME I HAVE FILED A COMPLAINT OVER ACCOUNT THAT WERE OPENED IN MY NAME. SOMEONE HAS BEEN USING MY NAME AND ID SS CARD TO OPEN UP ACCOUNTS FOR CREDIT I HAVE NOT PHYSICALLY LIVED AT XXXX XXXX XXXX  XXXX OH XXXX FOR OVER 5 YEARS. I AM NOT SURE WHO WAS USING MY CREDENTIALS
Product: Money transfer, virtual currency, or money service

On XX/XX/ I received a confirmation from venmo that a payment was made to XXXX XXXX for {$300.00}. I immediately disputed the payment within 10minutes of receiving notification. I called my bank and put a stop payment on the transaction. Now venmo is sending emails that they didnt approve my dispute and is threatening to send me to collections. This transaction was never authorized and I took every step possible such as notifying Venmo immediately, stopping payment, changing all passwords, and freezing my Venmo account. I do not feel I am responsible for paying back a transaction that I didnt approve and was effectively able to stop on my end. I notified Venmo and feel it was their responsibility to pay this as they paid the scammer after dispute was made.
Product: Debt collection

This debt collection company is violating my consumer rights and causing me emotional distress by constantly harassing, publishing an alleged account that I do not owe. I have reached out to this company several times via phone call and email which I recorded for proof. I owe no debt to nor MONEYLION INC . I refuse to pay a debt, I do not owe. I also do not wish to contract with MONEYLION INC . This has caused me job loss due to negative and false information published by this debt collector, which made me suffer XXXX  and XXXX. This debt company negligence has caused me to seek medical attention
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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
Product: Debt collection

I have been contacted numerous times by Sunrise Credit Services about a XXXX XXXX XXXX  from XXXX that is not mine. It's from an apartment I vacated in XXXX. I have told them this many times and have asked for proof of the bill via my email. 

They never send it to me and keep calling.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I received a notice on my credit report that a debt collector by the name of XXXX XXXX XXXX reported to Experian that I had a past due balance of {$530.00} owed to XXXX. I have never had any agreements or business with XXXX or XXXX XXXX XXXX. I have never received any notices from either company in regards to the matter. I have tried to contact XXXX XXXX XXXX with no success. I have contacted XXXX and spoke to a representative by the name of XXXX ( Customer Care ID number XXXX ) on XXXX who confirmed that I do not and have never had an account with XXXX however could not provide me with a verification letter. I have filed a report with the FTC regarding the XXXX and XXXX XXXX XXXX ( ref report number XXXX ). On XXXX I spoke to representative from Experian by the name of XXXX and asked what information was used to verify this false account that I had disputed and she informed me that she could not give out that information but that I would have to contact XXXX  or XXXX XXXX XXXX for that information. 

I am requesting that the information used in the investigation be provided to me or removed from my credit report under 15 USC 1681a2 as I have not given written permission or have any agreements to have the accounts in question furnished to my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the beginning of XX/XX/XXXX, I had gotten denied for an apartment where I was required to pay XXXX XXXX for the application fee ( XXXX XXXX XXXX is who denied my application for rental ). Prior to this report pull, I was unaware of an eviction ( Case # : XXXX ) dating XX/XX/XXXX being listed on my credit report, which resulted in a XXXX XXXX loss in application fees and denial of the property. After directly disputing with the bureaus, I received no acknowledgement about the dispute when I got my results back from the bureau regarding the judgment, and all other disputed items remain unchanged. After contacting the local county clerk 's office by mail on XX/XX/XXXX, inquiring about the information they share with the credit bureau, they advised me that they do not report to them ; SSNs are not required for a court filing and are refused to handle that type of filing. The eviction was ultimately dismissed, and I owe no balance to the landlord. As such, I request to have this initial filing removed from all 3 reporting bureaus and to notify the public record agency, XXXX XXXX ( where my application for the property was denied ) to remove this derogatory information from all reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO REMOVE THESE ITEMS These accounts and inquiries aren't mine, I contacted the companies several times I was told these accounts and duplicate inquiries were removed and I still see them! 

ACCTS ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
CCB/IDDEAL not mine - fraud Exceptional payment history Account Info Account number XXXX Account number XXXX XXXX  XXXX Account status not mine fraud Date opened XX/XX/XXXX INQURIES ... ... ... ... ... ... ... ... ... ... ... .... 

XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX and XXXX & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX   DUPLICATE Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX DUPLICATE Finance other than personal Inquiry date : XX/XX/XXXX 2018
Product: Debt collection

i have been incararated from XX/XX/XXXX to XX/XX/XXXX and have never applied for any type of credit nor cell phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late on the mentioned accounts here.. I wonder why XXXX   and Experian report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

Subject : Urgent Demand for Investigation and Resolution of Fraudulent Accounts and Inaccurate Credit Reporting To Whom It May Concern, I am writing to you as a victim of identity theft and a distressed consumer who has encountered significant barriers due to the negligence and noncompliance of your organization with federal consumer protection laws. Despite my diligent efforts and the clear provisions of the Fair Credit Reporting Act ( FCRA ) Section 605B, the fraudulent accounts opened in my name have not been addressed appropriately, causing substantial harm, including the inability to secure housing for my XXXX  daughter and me. 
As previously communicated in my letters sent to your company dated XX/XX/2022, accompanied by a comprehensive identity theft report, a detailed list of the fraudulent accounts, and a signed affidavit, these accounts were opened without my authorization. The documentation provided should have sufficed to initiate an immediate investigation and removal of these erroneous entries from my credit reports as mandated by the FCRA. 
However, it has been nearly a year since my initial report, and the lack of action from your side is not only disappointing but also in direct violation of consumer protection statutes. The persistent inaccuracy in my credit reports has unjustly tarnished my financial reputation, causing undue XXXX, barriers to essential services such as housing, and jeopardizing the well-being of my family
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 violates 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 also restricted my rights of a card because of someone elses mistake! 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. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Citibank draft {$50000.00} from my credit union account to fund a Citibank savings account on XX/XX/2022. Citibank initiated the transfer but on XX/XX/2022 Citibank had concern that the deposit was fraudulent and removed the {$50000.00} from the account and credited the account {$4.00} for six days interest, less {$0.00} Federal Withholding Tax leaving a balance of {$3.00}. On XX/XX/2022 Citibank finally credited back {$50000.00} to the account but did not credit the account for the interest the funds should have earned over that time. I have made several attempts to resolve this issue with Citibank ; only to be told that the account didn't earn interest during that time period because the account only had a balance of {$3.00} and didn't qualify for any interest. The {$50000.00} was debited by Citibank and being held by Citibank somewhere and should have earned the interest promised as the deposit wasn't fraudulent.
Product: Debt collection

They keep calling my job. Obtaining my personal work schedule. Did not leave info when asked. They fraudulently advised another supervisor that they were verifying info for a new job at my current employer. My boss asked me was I looking for another job because I am trying to get a promotion. That is ruined and now my hours are cut due to this. This is unethical.
Product: Checking or savings account

To whom it may concern : I went through the XXXX XXXX XXXX drive thru at the location on XXXX and XXXX XXXX in XXXX, IL. I went on XX/XX/XXXX around XXXX to pick up a prescription I have been taking for a few years now. My copay has never been more than {$35.00}, however I was charged {$1200.00}. I was not asked about insurance or even if I was okay with this amount. I was simply asked for my credit card and ID, very routine. It was only when I checked my bank statement later that evening that I noticed the large sum of money missing. 

Of course once I noticed this, I called the pharmacy immediately and asked why I was charged so much. My insurance information is on file and this medication is never more than {$35.00}. I was only told that they would look into it and would give me a call back. 

Two days went by and I heard nothing from them. I decided to go in person to talk to someone because now this is very serious and I feel no one is taking it seriously. When I got to the counter I told them what had happened and asked for an update. I needed a refund because now I have no money for food or necessities. They responded again that they would look into it and call me back when they had an update. 

After hearing nothing for another few days, I decided to call Chase Bank and dispute the charge since I did not authorize this amount of money to be taken out. They told me to get a physical receipt and prove the transaction was more than expected, which I did. I had previous receipts of {$32.00}, and a charge for {$32.00} in my bank account right before the {$1200.00} charge. So they had charged me the correct amount but then charged me again?? Chase was confused on this as well and granted me credits in the amount of {$1200.00} to resolve the situation since no one at the pharmacy would help. 

Now, I received a letter from my bank ( Chase ) saying the I authorized this charge of {$1200.00}. I absolutely did not. No one told me the amount I would being charged, I did not okay this. In the letter they sent me, they stated they will be removing {$1200.00} tomorrow. This needs to be fixed. I now have no money for food or basic necessities because of them. This is a very serious issue that needs to be taken care of. 

Respectfully, XXXX XXXX XXXX XXXX
Product: Debt collection

I have send numerous of documents including my police report and identitytheft.gov documents. I have sent to XXXX XXXX XXXX, AMEX, XXXX, XXXX AND XXXX 
I have gotten letters phones calls and report still showing on my credit profile. 
From XXXX XXXX  and other collection agency seen like AMEX keep sending report between 3 didferent agency. 

Now i got this letter stating they wont honor my documents because a payment was made from 2 bank account that i have no knowledge of no do i deal with them. 

This is voliating my right and all of 15 USC code
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, has violated my rights. 

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

15 U.S.C. 1681 section 604A section 2 : It also states A consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

Previously submitted a complaint. Company 's response was unacceptable. Originally tried to pay off the loan in XX/XX/XXXX using the bank account I have used to make monthly payments for XXXX years. XXXX weeks later, I noticed Chase never processed the payment. I contacted them and Chase indicated no concerns. XXXX days later they reinstated the loan. I immediately called them and they submitted the payment. Again, no payment was deducted and they reinstated the loan. 

After filing an initial complaint with the CFPB, Chase wrote a response blaming me for providing them with a savings account number. They claim they can not process payments over the phone with a savings account. At no time did any Chase representative tell me this when I made multiple attempts to payoff the loan. The letter notes I could make suc a payment online, but my account had been locked by Chase. I have no ability to pay! 

I contacted Chase 's executive office on XX/XX/XXXX. They placed me on hold several times, and untimely routed me back to basic customer service ( the same customer service unable to process my payoff earlier ). 


The account I provided them is my only bank account - it has a checking account attached to it. Chase has withdrawn every monthly payment previously from this checking account - both auto and crefit card. 

They have provided me no way to payoff the loan. They continue to blame me for giving them a savings account number. Finally, they have reported me as missing a payment, which negatively affects my credit score.
Product: Checking or savings account

I had a chime account a couple of years ago ... and I received an email that I failed to follow requirements so my account was closed. Then a couple years later I tried to re open account and I couldn't they said I needed to speak to the fraud dept. Then when I talk to them they say we are not aloud to tell you why but it is not able.to be re opened. And you can only have 1 chime account ever.
Product: Mortgage

I had applied for a loan modification, I was approved, but I by mistake did not pay the exact amount for the first two months of the loan I paid {$60.00} less per payment in error as I was paying off the stubs. They then took the loan back and declined me for the loan, I have tried to reapply and they have continued to deny me for a new loan. Now the bank is saying they are going to foreclose.
Product: Credit reporting, credit repair services, or other personal consumer reports

never did business with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reporting an account that doesnt belong to me and will not provide any documentation to prove other wise
Product: Checking or savings account

I had an account with Simple Bank which stopped service this year and my account was transferred to BBVA. I couldn't access my account through BBVA because of technical difficulties. Then I forgot to try to access it for a couple of months. I barely used the account anyway and I transferred money in it to cover the very small withdrawals I knew were coming out of the account. Simple Bank did not charge overdraft fees but BBVA does and I did not realize this. I received letters from BBVA but I thought were just statements at first. The totals at the bottom of the letter were positive numbers and I didn't read the notices very closely until the number was larger than I expected. I was not contacted in any other way. I accrued over 19 NFS charges from XXXX - XXXX totaling over {$700.00}. Most of the charges were for AHC withdrawals of {$3.00}. I tried to see if BBVA would help me remove these charge, but when I tried to contact them, I learned that they were acquired by PNC. Then I tried to contact PNC but they were so overwhelmed by the acquisition that I couldn't access my PNC account for weeks after this realization. Getting a hold of anyone at the company was nearly impossible. After finally getting my account information and contacting them again about the fees, PNC says I am responsible for all of these charges because they happened when my account was owned by BBVA and that I should have contacted them while I was still a customer with them. I had ~ a 4 month window to get in contact with BBVA about a problem I didn't realize I had for a bank account I barely used. PNC said they would forgive 3 of the charges but I am responsible for paying the rest of them. I can't believe I have no course for resolution and they can not offer any help beyond 3 courtesy fee waivers. 

XXXX XXXX XXXX XXXX XXXX