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

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have submitted several times disputes about some accounts in my credit reports that are not eliminated and I have not been sent any evidence of validation and confirmation. 
XX/XX/22 XXXX, XXXX XXXX and Equifax. 
XX/XX/2XXXX XXXX XXXXXXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX
Product: Credit reporting or other personal consumer reports

I recently I disputed an account with Experian in which the dispute ended on XX/XX/2024, and so I went back and reviewed the account to ensure that the disputed account was now completely accurate, and the problem disputed was resolved. As ofXX/XX/2024, I noticed the account came back verified as accurate but was not resolved. This is grounds for legal action considering that there was no reasonable investigation completed per FCRA 15 USC 1681s-2b ( 1 ) and the CRA failed to ensure maximum possible accuracy per 15 USC 1681e ( b ). I noticed that the account is charged off for a certain amount, but the amount written off does not match, I noticed the account reports 'No Data '' indicating its incompleteness, and I noticed the account does not report an account number. All this was taken into account after the account was initially disputed and done.
Product: Money transfer, virtual currency, or money service

I'm 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, unprotected and vulnerable.

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 or other personal consumer reports

I do not recognize this address please remove thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX aqua XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items 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 items : XXXX XXXX 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

I tried to contact Equifax to get this account removed off my credit report ... this is a fraudulent account that my ex wife XXXX XXXX put in my name I will like for this account to be removed off my credit report.. this account was paid in full and need to be remove from my account
Product: Credit card or prepaid card

Purchased a treadmill from  XXXX  in  XX/XX/XXXX  after being approved through their website for 0 % interest for 12 months.  Treadmill  was delivered and finally, in   XX/XX/XXXX ,  after I had to call and email  XXXX  to find out who the creditor was, I got my first statement from Fortiva  Credit with the m inimum payment due along with an offer to sign for auto payments from my checking account. If I signed up for auto pay, I 'd get a {$25.00} bonus credit to my account after making the first payment.     I made the first payment on th e  XX/XX/XXXX  & noticed on the  XX/XX/XXXX ,  an imposition of interest in the amount of  XXXX . I contacted Fortiva  Credit through  the online chat feature and was told that my account did not have the promotional 0 % interest. When I inquired about the {$25.00} bonus, I was told repeatedly that the credit would post after the first payment had cleared. When I pressed the rep that the payment had cleared on the   XX/XX/XXXX , I was to ld that the credit would post 37 days later.     So, Fortiva  Credit is bait and switching on the terms of the contract and also continuing to r ack up interest charges for an entire statement cycle before issuing the credit. This was not included in their disclosures.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"
Product: Mortgage

I started the refinance process on my second home with Wells Fargo in XXXX. As things were winding down to completion I contacted Wells Fargo XXXX XXXX XXXX XXXX ) in XXXX and asked, '' What will happen to my old escrow? '' I was informed that it would be rolled over into my new escrow. I was okay with that process. However doing closing as I examined the paper work I saw the escrow amount that I thought was being rolled over for me. Yet when I tallied all of my cost. I was paying into the initial new escrow account and it was being added to the closing cost which was added to my principle balance of my new mortgage loan from Wells Fargo. I expected the old escrow balance to be a reduction to my new mortgage balance because that was my money originally or be refunded back to me. I have been communicating with my initial Loan Consultant XXXX XXXX asking her for assistance in clearing up what happened to my old escrow balance. Her initial response was it was rolled over into my new escrow. She sent me an attachment to verify this. I informed her that the amount she was showing me I was repaying that as part of my new mortgage balance. My question was how can I be responsible for repaying for the use of my own money? I believe that should have been a credit. My consultant told me she would have someone else contact me to explain. One week later I sent her another correspondence via email asking for another contact person who worked with my loan because no one had made contact with me. She gave me XXXX XXXX XXXX 's name I have yet to hear from XXXX XXXX since I started to have questions concerning my old escrow. I started asking questions on XXXX XXXX, 2016. Since I did n't hear from XXXX XXXX I called and asked to speak to someone over closing. I explained to him the situation regarding my old escrow. He told me they would have XXXX XXXX and XXXX XXXX XXXX on the telephone together talking to me to take care of this situation. This phone call collaboration did not occur. One week later I received an email response from XXXX stating that the old escrow amount was deducted from the new mortgage loan in XXXX. I explained to Cigee that I made XXXX additional mortgage payments during the closing process, therefore my mortgage balance should have been reduced minus an additional {$300.00} dollars because I pay an additional {$100.00} on principle balance per month and that the numbers did not add up. I asked XXXX to send me documentation to show that my old mortgage amount was deducted from my new mortgage balance. This information documentation was not noted or identified in the paperwork I received during closing. It has been one week since I made my request to XXXX XXXX to have someone provide documentation to show my old escrow was deducted from my new mortgage balance or what happened to it. Why was n't that part of my closing documentation? I need someone over the closing department to contact me and to ensure that a situation like this is clear during closing or before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Product: Mortgage

My Aunt passed away  XX/XX/XXXX  . I  am co-heir to her estate. She had a reverse Mortgage on her home with Champion Mortgage.   I sent them a letter of intent that I wanted to keep the home in the family. They approved the request. But they gave me 2 deadlines :    XX/XX/XXXX    and    XX/XX/XXXX   . By    XX/XX/XXXX    the wanted a listing agreement or a mortgage approval letter from me. I sent them the appraisal and a letter explaining that the co-heir and I lived    XXXX    miles apart. We had just gotten this appraisal done as the appraisal company had a 30 day backlog. They denied the   XX/XX/XXXX   correspondence approval and said they were going to start foreclosure very soon. We have 6 months by Federal law to get to this point. It has been less than 3 months. The co-heir wants to quickly sell the place because she is afraid they will foreclose. I need the full 6 month time to gather my assets to provide the approval letter to buy the place. I need help with Champion Mortgage  Company  to give us the time allowed by law in writing.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries are fraudulent and do not belong to me, therefore, they need to be removed. Thanks. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing this correspondence to request the removal of outdated or inaccurate personal information from my credit report. I have reviewed my credit report and identified the following outdated information that needs to be corrected or removed : Incorrected Names : XXXXXXXX XXXX Outdated Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Outdated Employment Information : No longer at these employers. 

XXXXXXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605, information that is outdated or unverifiable must be removed from my credit report. This includes addresses, employment details, and phone numbers that are no longer relevant or accurate. 

I request that you investigate and correct these inaccuracies promptly. If you are unable to verify any of this information within the required 30-day investigation period, please ensure that it is removed from my credit report, in accordance with the law. 

Please provide me with a written confirmation of the changes made to my credit file or a statement indicating why certain items may not have been removed. I attached a copy of current lease with my correct address, and it also has the correct spelling of my name. 

Thank you for your attention to this matter. If you need any additional information from me to process this request, please feel free to contact me via email at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Factual did not have permissible permission to access my private information. Factual Data said they would get the inquiry removed months ago, Factual Data claims to have disputed with other companies that have hired Factual Data BUT I DID NOT SIGN ANYTHING AUTHORIZING FACTUAL DATA TO ACCESS MY PERSONAL INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please acknowledge attachment that was MAILED AND UPLOADED TO EXPERIAN UPLOAD ON XXXX/XXXX/2022
Product: Debt collection

We have repeatedly been harassed by collection agencies for debts that DO NOT BELONG TO US.  I have had to turn off my home telephone do to the non-stop harassment, even though the agencies were told by the PA Attorney General 's office to stop contacting us for someone else 's debt. Now I see you are thinking of giving even more HARRASEMENT Services to collection agencies who don't even verify whom they ae contacting @!!!!! 

Just last month my husband 's EMPLOYER received a call on their personal Work cell, which resulted in an error being made in verifying whom my husband was and they had set up GARNISHMENT of MY HUSBANDS WAGES to the tune of {$60000.00} for someone else 's DEBT!!!! 

EXCERPT OF EMAIL HE RECEIVED : On Thu, XXXX XXXX, 2019 at XXXX XXXX XXXX XXXX XXXX @ > wrote : XXXX, I wanted to let you know, we have received a Garnishment Order that requires us to deduct 15 % of your disposable income every pay for payment to Ascendium. This payment will be going to XXXX XXXX XXXX, phone number XXXX reference no XXXX. If you have any questions please contact this Agency. 

I contacted the agency, who repeatedly transferred me to other people till I finally talked to a manager whom I notified we had already previously complained to the PA Attorney General about constant harassment and she verified they HAD THE WRONG SSN for the Garnishment! She then HUNG UP ON ME! 

My husband had to go into his employers office and get a Office Manager to re-contact them and have the Garnishment Removed. Their was an employee error in verifying my husband, but that is NO EXCUSE the Collection Agency should be verifying whom they are owed money from BEFORE contacting someone's employer! 

We were told the Debt was actually owed from someone in OHIO and WE HAVE ALWAYS been PA RESIDENTS! 

We constantly have to reverify ourselves with our LOCAL PA TAX BUREAU as they had received false information that didn't make sense to them from OHIO, as we have been paying them Pa Local taxes all our lives. 

THIS HAS TO STOP! I don't know what they are using to verify whom they are calling but they sure don't verify they are calling the correct people or relatives! and once One agency finds out they are calling the INCORRECT PERSON THEY SHOULD ADD THE INFORMATION SO WE ARE NEVER CALLED AGAIN!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports and noticed you are reporting the incorrect date of last activity, and incorrect account status for account ( XXXX XXXX- XXXX ). Because the date of last activity, and account status being reported by your company, XXXX and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board.This account is being reported with inaccurate information is actually violating my FCRA rights, which means this the information being reported should be the same across the board and be 100 % accurate or you are subject to {$1000.00} per violation. Delete this account immediately!
Product: Credit reporting or other personal consumer reports

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 I was XXXX  and XXXX. I contacted the leasing office at my apartment and notified them that I was going to be incarcerated. We made a verbal agreement that they could keep my security deposit and lease my apartment. I was told 3 weeks later that there was a new tenant in my apartment. However nearly a year later the full balance of my lease agreement was reported to my credit report. I have disputed this many times to no avail. I believe this should be removed from my credit report because the company re leased my apartment within weeks of me vacating.
Product: Checking or savings account

I was a victim of fraud. I was hired as a secret shopper with a company called XXXX XXXX XXXX and was provided a fraudulent check to deposit to purchase merchandise in a form a gift card which they extracted funds from. the check I deposited to my Capitol One XXXX checking account was released in XXXX amounts. The check was then reversed, and I was out the deposited amount. I contacted the bank to file the claim and while on the phone with the agent they closed my account, and I could only access my funds via ATM. I asked why and they said since I was filing a claim and I have only been with the bank for 5 months they decided to close my account and keep my money XXXX. Capital One is a virtual bank so no actual storefronts. I asked that my money be transferred to an external account since I need access to my money. They said I would have to withdraw the fraud claim and still close the account. I find this to be unethical practice. I was the victim I was following the proper steps regarding the retrieval of my stolen funds.
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 ( XXXX ). 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 ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

MyFedLoan has been withdrawing automatic payments of {$410.00} in accordance with their direct debit procedures since XX/XX/2019 and they continue even when an account is paid ahead. Their website specifically states if you wish to have an additional amount paid on a specific loan, you must pay online, mail, fax, or email your request. I am in paid ahead status and based on my XXXX XXXX debt elimination strategy I have been logging in online to pay {$100.00} extra towards three specific loans. 

On XX/XX/2019 MyFedLoan applied my direct debit payment differently than specified on their agreement with me. I was logging in to make my additional payment and I noticed the discrepancy, so I called. MyFedLoan 's solution is to take my account out of paid ahead status. I am concerned that the incorrect application will continue as per their website, paid ahead should not be an issue. 

I feel that this is a way for MyFedLoan to get more interest from me and they are using deceptive lending practices. The payment of {$130.00} is to go towards my largest student loan with the highest interest rate, but instead it went towards a smaller loan. 

I want this published as any direct debit user who wants to eliminate debt quickly may find that their payments are not being applied in accordance with their agreement.
Product: Credit reporting or other personal consumer reports

I have opted out with the original creditor and requested that my nonpublic personal information stop being shared. reference XXXX
Product: Checking or savings account

I had my cell phone stolen and used via XXXX  to strand get funds out of my bank account and they gave me a credit but proceeded to take it away and everytime I call they say they will email me a rebuttle form but never does. They even said they would send one to my mail and never did. It was only for 750 $ so I dont understand why they are making it a big deal.