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

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB CARD SERVICES is showing as a charge off on my credit report of {$3100.00}. I was contacted once and advised the company that I never opened this account. It was possibly my ex-husbands account ( we had separate accounts many years ) or my daughter, who is deceased ( possibly opened without my knowledge? ) .Or a complete stranger. I asked the representative at the time to send me proof of my charges and signatures. I never received to and was advised that after I filled out a form for fraud it would be removed. I am in a Idre financial situation at XXXX on a limited income and am suffering from XXXX XXXX. I tried to refinance a loan and to my surprise this JPMCB appeared as a charge off. It has caused me any option to refinance due to this error that I assumed was fixed many years back. I have no knowledge who paid this account, I never provided financial information to JPCMCB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

This account is being reported wrong. This is a XXXX  ( not a mortgage ), which is an installment loan per XXXX and XXXX XXXX monthly debt XXXX Im requesting to remove any reference to mortgage or foreclosure. 

The XXXX XXXX XXXX reported to my credit report as a foreclosure. It was a fraud all over, I paid since XXXX up to XXXX. But this according to XXXX guideness is a installment payment, which it was, not a mortgage payment. 
I reported this to Experian, which is the bureau they reported as foreclosure, affecting considerably my untouchable credit history
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed the following inaccurate fraudulent information that are negatively affecting my good character and reputation ACCOUNT NAME : XXXX XXXX  All Three listed below have inaccurate information OPEN DATES LAST REPORTED DATES DATE LAST ACTIVE
Product: Checking or savings account

Hello my name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX, MA XXXX. I went to the local TD bank to open my account but the bank says there is already an open account under my name and SSN number so they. They gave me this website to report fraud. My SSN XXXX. My phone XXXX
Product: Credit card

Order # XXXX I purchased a 2 piece suit from Macy 's online on XX/XX/XXXX  for {$110.00}. Upon receipt, I discovered that the company only sent a jacket and no pants. I contacted Macy 's and informed them. They stated that they would send a replacement and also send a separate return label to return the original item. I waited for several weeks and to date I have not received the label or the replacement. On XX/XX/, I visited a Macy 's store to return other items. On that day, Macy 's Online indicated to me and the store clerk that they processed the return under Order  # XXXX and that I should leave the item at the store. The store processed what they called a XXXX return, which means that they took the merchandise but did not issue a credit since the Macy 's Online representative confirmed that he processed the return and that I would receive the {$110.00} in two business days. As of XX/XX/XXXX, I had not received the refund and I returned to the store. Three store clerks spoke to Macy 's online representatives in an effort to assist me in getting the refund. A Macy 's store clerk listened and confirmed that they processed the refund and even provided me with a confirmation number # XXXX. On XX/XX/, I called Macy 's Online to see why the refund has not been issued. The Macy 's Online clerk indicated that my refund was not processed and she does not why. I paid for merchandise that I never received in full and I returned the partially received merchandise without being fully refunded for returning the merchandise in which Macy 's accepted.
Product: Debt collection

Credence Resource Management continues to call my phone multiple times per day despite being informed I am not the original owner of the cell number XXXX XXXX XXXX. I do not and can not know the original owner. 

I continue to get daily phone calls from them despite having no current debts of any kind. Mortgage, medical, or otherwise. Informing them I am the new holder of this cell number has likewise not worked.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act State Employees Credit Union has violated my rights regarding credit card account ending in XXXX. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and concern regarding the presence of late open accounts on my credit report. Despite my initial dispute and the provision of supporting documentation, these late open accounts persist, negatively affecting my creditworthiness. This letter serves as my second attempt to request the correction of these inaccuracies. The presence of these late open accounts not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. I kindly request that your agency conducts a thorough and comprehensive reinvestigation into these late open accounts, reviewing the documentation I have previously provided and any new information that may be relevant. It is imperative that you take immediate action to correct these errors and ensure that my credit report accurately reflects my payment history. Furthermore, I expect your agency to notify all the credit reporting agencies to which you have disseminated this erroneous information, as required by law, to prevent the continued spread of these inaccuracies. Please consider the significance of this issue and its impact on my financial wellbeing. XXXX XXXX Balance : {$570.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$220.00} ; XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX  account number - XXXX account name XXXX XXXX XXXX XXXX XXXX XXXX account name XXXX XXXX - XXXX account name XXXX XXXX XXXX Has violated my rights. 

15 us.c 1681 section 602 A. States I have the rights 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: Credit card or prepaid card

I have been receiving unemployment benefits from EDD since the start of the pandemic. There has been {$4600.00} stolen from my EDD Bank of America prepaid card through ATM withdrawals starting from XX/XX/XXXX to XX/XX/XXXX. XXXX separate withdrawals ranging from {$200.00} to {$920.00}. I wasnt aware of the withdrawals because I wasnt checking my account balance since I planned on saving the {$4600.00} for an annual XXXX Insurance payment of over {$3500.00} and a car payment. I filed a claim on XX/XX/2021 after I found out the money was stolen and ordered the newer BoA card with the security chip in it. 

I called BoA claims a week later and one of the agents I spoke to told me that the claim was resolved in my favor and that I should be receiving the funds within 24-48 hours. I was ecstatic since my insurance payment is past due and it relieves a lot of stress on my end. After 2 days I still had no money in my account so I called BoA claims back. A different agent told me that it wasnt actually resolved in my favor and the other agent gave me false information. I filed a reconsideration with a hardship since I already made arrangements to pay off my bills after hearing that it was resolved in my favor. I filed a police report which I gave the report # to the claims department to update my claim.

Im currently unable to XXXX XXXX my car since my insurance has expired and I cant make the annual payment. In an awful position right now and XXXX  XXXX is on the horizon. Its been 2 weeks and I havent had any provisional credit enter my BoA account as well while theyre investigating. Ive read tons of other similar stories on websites like XXXX and a common theme is that the Older EDD BoA prepaid cards didnt have the security chip which prevents fraud of this kind.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, I have the right to challenge any information on my credit report that Ibelieve to be incorrect. It's important to me that my credit report is accurate, and I take this matter seriously. While I dispute the claims of delinquency and derogatory information on my account, I request that you provide me with evidence to support your position. Specifically, I would like to see proof that the inquiries and accounts in question have a permissible purpose. I'm reaching out to you today because I'm concerned that this matter has not been handled properly. However, I believe that we can resolve this issue promptly and without any escalation. 
Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Additionally, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FDCPA Section 807 Violation Misleading False Reporting - DELETE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Account number : XXXX, FDCPA Section 807 Violation Misleading False Reporting DELETE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : Account number : XXXX, FDCPA Section 807 Violation Misleading False Reporting - DELETE!
Product: Money transfer, virtual currency, or money service

I am submitting a formal complaint against Cash App ( Block, Inc. ) for their subpar customer service and unethical practices that breach the Consumer Financial Protection Act ( CFPA ). Cash App has consistently failed to implement timely and effective measures to safeguard against fraud on their platform, leaving my account exposed and vulnerable. Additionally, their dispute resolution process has proven to be both unfair and misleading, as they have not adhered to the error resolution standards set forth by the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures have resulted in considerable inconvenience and financial loss, prompting me to seek appropriate compensation for these violations. Over the past four years, their negligence has jeopardized my personal information, financial security, and consumer rights. On multiple occasions, my account and sensitive information were compromised, yet Block, Inc. did not take the necessary steps to rectify the situation due to their inadequate customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting or other personal consumer reports

The XXXX account last payment date is inaccurate. XX/XX/XXXX is the correct date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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: Checking or savings account

they was charging me XXXX extra for overdraft fees on charges I knew I could pay
Product: Credit card or prepaid card

American Express closed my card in error. And they refuse to fix their error. I wanted to closed one of my cards ( Amex XXXX XXXX ) because changes in terms of the account. So the rep closes all my American Express accounts in error. The rep did not even read me the required disclosures. This happened on Thursday XX/XX/XXXX. American Express has been discriminating against me since XXXX. I finally had to retain a reputable law firm to look into this case of discrimination by American Express. American Express refuses to listen to the recorded call on XX/XX/XXXX, because they know they made an error. I no longer want to do business with American Express. I just want them to admit their mistake and apologize.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My XXXX mortgage was modified in XXXX under the HAMP program. The terms were 2 % for 5 years ( 60 months ) changing to 3 % on month XXXX. That month was XX/XX/XXXX. Ocwen 's statement due for XX/XX/XXXX reflected the change to 3 %, but the P & I amounts were incorrect. They did get the interest portion correct, but the principle was miscalculated. The balance on the loan before the XX/XX/XXXX payment was {$300.00}. The Maturity dateis XXXX. So that leaves 299 months left at 3 % which yields a new Principle of {$680.00} and not the {$720.00} as written on XXXX 's statement. I spoke to XXXX at Ocwen ( her number is XXXX and at option XXXX enter ext # XXXX. When she called me back around XX/XX/XXXX she asked for copies of the modification agreement, which is not my responsibility to supply to them. They bought the servicing, they should have a completepackage. Further, if they correctly changed to the 3 % on the correct month ( XXXX month ) why do they need any documents, they simply just erred in calculating the correct principle. 
When I paid the mortgage on XX/XX/XXXX online, of course the website would not accept a smaller payment at all. So I paid the higher amount of {$1900.00} instead of the correct amount of {$1900.00} ( an additional burden of {$39.00} due to their mistake. Considering XXXX admitted to me that I was right, she claimed Ocwen could not change the terms without proper documentation. Well, How did they arrive at the correct 3 % amount ... its all stupid that a servicing company can not compute a simple change in a mortgage.
Product: Checking or savings account

MoneyLion fraudulently closed my account on XX/XX/XXXX, confusing my account with my daughter 's account as we share a phone number. She reported her account as opened fraudulently and asked MoneyLion to close the account and investigate. MoneyLion then sent me an email, stating that I asked for an investigation, which I never did, and that my account was closed, per my request, which I never requested. Of course, they never sent my daughter an email as they did not investigate properly or correctly. MoneyLion clearly mixed up my daughter and I despite being completely separate individuals with separate SSNs. This company is completely unprofessional, messy, and has the worst and most incompetent customer service - I waited on hold for hours where their " customer advocates '' purposely would not call by phone and refuse to address this issue. They are now holding all funds on my account, threatening to send all to the state as they can not return the funds. This is not proper bank behavior- they should be requesting my bank account information to return my funds and the rewards I earned under their terms.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to correct inaccuracies in my credit report, despite multiple dispute sent These inaccuracies include [ XXXX XXXX Account Number : XXXX Balance {$230.00} Date OpenedXXXX XXXX,2023 ]. Equifax 's lack of response and failure to investigate this dispute violate the Fair Credit Reporting Act, specifically XXXX XXXX XXXX ( b ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX c ). I am aware that the CFPB recently fined Equifax {$15.00} XXXX for similar issues related to improper investigations of credit reporting errors. This pattern of non-compliance has caused significant harm to my creditworthiness, and and has impacted my life such as denials for homes, cars, credit cards etc I seek the CFPB 's assistance in resolving this matter.
Product: Debt collection

Please remove asap I have contacted the company over and over with no resolution
Product: Credit reporting or other personal consumer reports

To Whom It May Concern This letter shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see XXXX XXXX XXXX, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  continues to report the account status of an account discharged in a chapter XXXX bankruptcy, every month on XXXX. A letter was sent to XXXX/XXXX  to ask them to stop, but in response, XXXX has now updated that status to current on EXPERIAN as well. Credit score dropped 26 points.

They must stop monthly reporting and updating the status fields status updated on and balance updated every month. This can be seen as an attempt to collect a debt that has been discharged in a bankruptcy, a violation on the FCRA.
Product: Debt collection

date XX/XX/2021 the amount XXXX I called the company named XXXX XXXX XXXX XXXX, XXXX and advised them that my identity was stolen, as I have never lived in Texas, and I also filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was aware of a computer glitch that was on TransUnion part. My credit inquiries were deleted, and reappeared back on my credit report. I understand that TransUnion had 5 days to notify me and they did n't. I called and the representative was of no help at all and was very rude. I asked to be transferred to a United States rep and was hung up up on.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered multiple unauthorized reports. I believe this may be linked to the loss of my identification at the airport after returning back from vacation. I noticed several unauthorized credit cards and inquired. I have initiated the necessary steps to authenticate my credit being used and request the deletion of these fraudulent accounts and inquires.