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

I am filing this complaint because I am a victim of identity theft, and ChexSystems has failed to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ). I submitted a formal identity theft report including supporting documentation and requested that ChexSystems remove fraudulent inquiries that do not belong to me.

Despite providing an FTC Identity Theft Report and clearly identifying the unauthorized inquiries, ChexSystems claimed to have completed their " investigation '' within one business day. This raises serious concerns about whether a reasonable reinvestigation was actually conducted, as required by 15 U.S.C. 1681i ( a ).

ChexSystems refusal to remove these fraudulent inquiries is not only a violation of the FCRA, but it continues to cause harm by limiting my access to financial services, including the ability to open a bank account. Their actions have caused me stress, financial inconvenience, and have compounded the difficulties of recovering from identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2014 my wallet was stolen with all my identity inside i went to XXXX police department and filed a report then had to go to social security office and also report it and they told me that if anything comes on my credit after that date it would not go on my credit and i had been fighting this with all 3 credit agencies and they have been ignoring me please help me and remove this from my credit. here is the number XXXX the company is XXXX
Product: Mortgage

On XX/XX/2024 I completed a PMI removal request form and submitted it through there portal and received confirmation they received it and it would take 4 weeks to process. I called and spoke to representatives on at least 5 separate occasions, and received one excuse after another why it wasn't processed. Numerous contradictions all on recorded lines. I have formally requested at least 3 times for a supervisor which they say they can not transfer me to, only leave a message for them to call me back and no-one has called me. I finally received a denial letter which states during the preliminary review was denied for the following reasons : Nonpayment of valuation expenses, no receipt of written request, and unable to schedule property valuation. These are all false statements. I have called customer service at least 5 times requesting a new appraisal. The level of incompetency is unjust and not fair. My house has an approximate value of {$740000.00} and I owe approximately {$530000.00}. My LTV is around 71 % based on that evaluation. I want the opportunity to have my PMI removed.
Product: Student loan

On XX/XX/XXXX, I made a payment of XXXX to my un-subsidized loan. The money was taken out of my account in the next few days. This should have paid off my loan in full, and closed the loan. It is now XX/XX/XXXX, and the payment has still not been posted, and the money is still missing from my account. In fact, the balance in my un-subsidized loan is growing because of the interest. I called the customer service line and was told that it would be resolved in 25-30 days. I have been lied to, and the problem is still not resolved to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting acXXXX XXXX  account number 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: Student loan

Hello I 'm writing this complaint for the online school of XXXX University XXXX of XXXX, FL XXXX. I recently filed a complaint with CFPB for the loan servicer of XXXX XXXX while in that time XXXX XXXX wrote back stating that as of XXXX another company will be my new loan servicer and that new loan company is called University XXXX XXXX, XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I mean how could this be if the school I attended turned out to be a fraudulent school the Department of Educations should have stopped this back in the early XXXX 's when they were being investigatored. On the bottom of this it says " Which of these best describe your issue? Getting a loan has it right fraudulent loan but it does n't give me that option. I had to go with Dealing with my lender or servicer and marked Do n't agree with the fees charged.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX bankruptcy : Bankruptcy - Reference Number - XXXX Subject : Dispute of Bankruptcy Reporting Under the FCRA To Whom It May Concern, I am writing to dispute the inaccurate reporting of a bankruptcy on my credit report. Upon confirmation with the bankruptcy court, I have verified that the court does not report credit information to any credit reporting agencies, including Equifax, XXXX, and XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. Reporting a bankruptcy as originating from the court without direct verification from the source violates this requirement. 

Furthermore, under 15 USC 1681i, I have the right to dispute any inaccurate or unverifiable information on my credit report. Since the bankruptcy court does not furnish such information to credit reporting agencies, its inclusion on my credit report is unsubstantiated and must be removed. 

Actions Requested : Conduct an Investigation : Investigate the source of the bankruptcy information reported on my credit report. If the reporting can not be verified directly by the source ( the bankruptcy court ), it must be removed. 

Provide Written Confirmation : Notify me in writing of the results of your investigation and provide an updated copy of my credit report reflecting the removal of the inaccurate bankruptcy entry. 

Ensure Compliance : Verify that all procedures are in compliance with the FCRA to prevent similar inaccuracies in the future. 

Enclosed are supporting documents, including confirmation from the bankruptcy court that they do not furnish credit reporting data, and a copy of my credit report highlighting the disputed bankruptcy entry. 

I expect a response within the 30 days required under 15 USC 1681i ( a ) ( 1 ). Failure to comply with these legal obligations will leave me no choice but to report this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
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 Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I was picking up the customer when I picked the customer up and customer stole my phone from my hand and run off with my phone there for I had all my banking information on my phone and they did wire transfer and stole my money over {$14000.00} and more they Also transfer the money to few accounts and also they did online ordering from XXXX XXXX and ach transfers I was victim of robbery and I had all my money from my account taken out by my XXXX passenger when they stole my phone they took out money from my chase bank my business account and personal account on XX/XX/XXXX there was a transaction of {$2100.00} ach  transfer and same days there was multiple transactions ach transfers for {$42.00} another one for {$100.00} and continues to XXXX XXXXand continues to {$37.00} another one for {$2.00} again on XX/XX/2023 there was more transactions such as {$450.00} and continues down to another {$500.00} again on XX/XX/2023 online domestic wire fee for {$25.00} again on XX/XX/2023 there was a wire transfer ach for another {$500.00} and one more transaction on XXXX XXXX XXXX for {$7700.00} and it continues down to my personal account from. business account on XX/XX/XXXX they ordered XXXX eats from my personal banking for amount of {$3.00} and again on XX/XX/XXXX they ordered for {$15.00} and again on XX/XX/XXXX they charged me fro {$20.00} and again on XX/XX/XXXX they transferred from my personal account the amount of {$2300.00} and this are all the transactions that was made from my personal and business account.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXXXXXX for the amount of {$17000.00}
Product: Credit reporting or other personal consumer reports

The bills from XXXX and XXXX for cellphone services appeared on my credit report but it was from when I was underage and wasnt me so I asked for verification of debt because it wasnt me and none of the credit bureaus have responded. I am requesting that it be deleted from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX XXXX XXXX XXXX reported to the Credit Repository Agencies that I opened an account with its entity on XX/XX/2018 in the amount of {$15000.00}. 

I have not ever contracted any business with this company. I have not ever received any consideration from this company. I have not ever signed any agreements with this company. 

I believe that this company is committing an act of fraud with knowingly placing invalid information of my personal credit profile. This company has violated Title 15 USC 1681s-2 ( a ) ( 1 ).
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed fraudulent accounts that were not authorized by me. Pursuant to 15 USC 1681B-2, 15 USC 1681A ( 4 ) and more specifically 15 USC 1681c-2 these fraudulent entries must be DELETED IMMEDIATELY due to idenity theft. Please DELETE the following fraudulent accounts : 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 XXXXXXXX. PLEASE DELETE THESE FARUDULENT ACCOUNTS. SEE FTC COMNPLAINT ATTATCHED.

THESE FRAUDULENT ACCOUNTS MUST BE DELETED PER 15 USC 1681C-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, {$520.00}, The company place on my credit report without give me the rights to file criminal charges or dispute. I am a victim of identity theft and it shows the original creditor was XXXX XXXX. It also show it has been either sold to an Attorney and states false reporting of Remarks : AFFCTD BY NTRL/DCLRD DISASTR ; >PLACED FOR COLLECTION. I dont owe anyone bills and I was not given the Rights under the Fair Debt collection Law and it states it was paid on XX/XX/XXXX another false reporting and up for collection until XXXX. I Dont have bad credit and this company has violated my rights by just putting false information on the credit report to collect on an old account that was found to be identity theft. It was either sold to a third party which, if its an attorney 's office I will be filing with the XXXX XXXX XXXX XXXX for this deceive practice and false reporting. It states owned by an attorney collection agency with I will be filing as soon as I find out what Law firm has this account for reporting false information to the Credit Bureau along with Filing on XXXX XXXX with for a congressional hearing to investigate XXXX XXXX for stealing an account to a third party and having them account that are pass the statute of limitation for collection and them reporting false info to put on the credit report.. I also dont have an account number, name of Attorneys office that purchased the debt, phone number any other information to that Attorney office who put them on my credit report under false and misleading information. This attorneys office has violated the law and has put something on credit report without allowing me the right to dispute. This attorney has abused his or hers POWERS by putting info on the bureau that are OLD and passed the status of collection of 7 years and have put this on my credit until XXXX. IT '' S considered to be harassing of this attorney because I am listed on the credit bureau as a victim of fraud and I don't have any bad credit. I pay my bills and this can stop me from getting my STUDENT LOANS and have my Credit cards Closed. I don't knw how long this has been on the TransUnion, but I got info from Experian. This could explain why one of my XXXX XXXX  closed my account. The Attorneys office is considered to be hiding because I do not have any information to report to the XXXX XXXX XXXX to have them investigated as well. All it shows on the credit report as account number-XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been allowing my information to be released and I have been breached by the company and the report has not been updated to reflect the status of my account as payment is not received as paid but XXXX XXXX account is still showing up as not paid and my information from the accounts that are 7 or more years old and closed are still being used and my information on my background is not accurate because I was never convicted of the crime it was dismissed and the case is closed but the report is still being used in the account with XXXX and I dont want to be held accountable for the information that is being used
Product: Credit reporting or other personal consumer reports

request that the following accounts that appear on my credit report be deleted since they are damaging my credit score. 

Account Name XXXX XXXXXXXX Date Opened XX/XX/year> Balance {$190.00} Account Name XXXX XXXX Date Opened XX/XX/year> Balance {$320.00} Account Name XXXX Date Opened XX/XX/year> Balance {$2700.00}
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/XXXX from all 3 credit companies, TransUnion, XXXX, XXXX. and noticed there is collections and inquiries and accounts that DONT BELONG TO ME. they even had my personal information wrong. I am currently facing challenges in disputing several accounts that have inaccurately appeared on my credit report, negatively impacting my credit score. Specifically, accounts attributed to entities like XXXX and others do not belong to me and are erroneous. These inaccuracies are significantly affecting my financial standing. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Some accounts dont even show up with the full information on them. and some show on some companies and some don't. By law consumers reports must be 100 % accurate not 99 % or 99.9 % but 100 %. Some accounts show up as late that dont even belong to me and are impacting my credit score. I called the collection agencies and requested a CONTRACT with my OWN signature to prove I AM LIABLE FOR THIS DEBT WITH THEM and they didn't provide one and BY LAW I should get one that shows I am LIABLE for this debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I had made purchases at Victorias Secret online for my daughter for bathing suits. I set up a payment but then she decided to return some. I think that when the return hit the system, it cancelled out my payment. They went two months without contacting me via phone or email stating my account was going to be past due or delinquent or anything UNTIL they reported it to the credit companies as 30 or more days late. They never once tried to call or contact me at all until after it was reported to the credit bureau. This is not ok, not in compliance with the fair credit rules and has dropped my score 53 points. I have never been late on payments for this card or any other and you can check my scores to see that. 

I want the 30 days late taken off my credit reports, all three reports need corrected. This was glitch with a refund cancelling out my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. ( Original Creditor : ) XXXX, ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX
Product: Mortgage

hi I have a mortgage on a dairy farm The dairy portion has been shut down and the buildings that were used to have the dairy have been decommissioned I have lost their permits have lost their status to be a dairy ever again and yet my Bank is requiring excessive insurance on buildings that have no purpose other than just being a shed I have asked them numerous times to send me original copies of the loan documents showing the insurance requirements and they are not willing to produce those I guess an example of this would be if you see an old gas station structure on a lot there are no pumps anymore there 's no tanks anymore there 's no permits anymore The land around it is being used for other purposes but yet the bank still wants to have levels of insurance as if it is a gas station
Product: Mortgage

XXXX XXXX added fees to my account that were erroneous before they sold the account to Bank of America. I contacted BofA to have them removed and they advised me it could not be done unless I got a letter from XXXX. I have completed this and send them a letter. BofA still has not removed the fees and I have sent the letter. This is to let you know if you do not remove the fees on or before XXXX XXXX, 2016. I will take legal action. Your failure to comply with banking laws is unacceptable and should result in fines. I find your failure to handle this in a timely manner harassment and I get no help when I call in for the status. The letter from XXXX is self explanatory and your refusal to remove violates my rights as a consumer. I did n't approve you to add the fees on and you sure are taking more than ample time to remove them. There should be no research done on your part. The letter from XXXX is self explanatory and should be completed asap. I stress to you that I will be filing legal action if this is not resolved by XXXX XXXX. 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX XXXX. I already disputed an account from them before, under the same name XXXX with account number XXXX and it was deleted from my credit reports under Experian. However, an account wilth the same name XXXX re-appeared in my reports but the account number showing only as XXXX but still closely resembles the first one that was deleted and surely just the same account. I want this to be removed as it is very illegal to add on removed fraudulent accounts. Moreover, I have requested verification of this account. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance or obtain new lines of credit. I've been requesting for validation but had no responses. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified & they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. I feel I'm being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.
Product: Checking or savings account

XXXX XXXX XXXX  engaged in fraudulent practices by failing to deliver approximately 50 % of the merchandise for which I paid a total of {$67.00}. I promptly returned all items as per their policy. However, XXXX XXXX XXXX is refusing to issue a full refund, which goes against their stated policy. Additionally, Santander Bank has repeatedly failed to provide assistance in resolving this matter. I've encountered Santander representatives, such as " XXXX, '' who seem to be located offshore and have handled this situation unprofessionally. XXXX played a frustrating game of putting me on hold off and on for 25 minutes and then informed me that it was his day off tomorrow, suggesting that I should call back and essentially start the dispute resolution process from scratch. Santander 's handling of this dispute has been grossly incompetent, and they appear to trivialize the issue, causing frustration and inconvenience to the customer. REFUND THE {$67.00} TO ME IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed : {$5600.00} XXXX  XXXX Balance Owed : {$2200.00} XXXX  XXXX Balance Owed : {$510.00} XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX