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

In XXXX I started to have problems with my XXXX XXXX  accounts. Several times I had to change my bank cards. Then I changed my checking account three times. XXXX XXXX  did investigate and always got my money back. In some way through online banking, my information was being compromised. I changed banks. I am at XXXX XXXX. While at XXXX XXXX someone was trying to use my XXXX XXXX  XXXX XXXX to get into my bank account. I have a personal and car loan with this organization. I went to the XXXX XXXX  closed those accounts and opened others. When I set up my checking and savings with XXXX XXXX the young man said to stop online banking. The young man set up my banking on my phone where I use my fingerprint to get in and a backup eye scan. In XX/XX/XXXX I got an email from XXXX about a monthly credit-building loan of {$9.00} payment a month.. the loan amount is {$500.00}. I did not pay the email any attention... A few months later I was checking my credit with the three credit bureaus and it showed delinquencies. I always pay my bills. I put in a fraud complaint a few times with the bureaus. The bureaus keep telling me it is mine. I reached out to XXXX and asked for a copy of the application. On the application dated XX/XX/XXXX was an old XXXX XXXX XXXX apartment address. I moved into my home in XXXX XXXX, XXXX  XX/XX/XXXX and on the application is no signature, it has my name typed. I need help because I did not fill out a application for XXXX credit building.
Product: Debt collection

Repeated phone calls at my place of business after telling XXXX of mariner finance in XXXX to stop calling at my place of business and that it jeopardizes my employment. As well as stating that he would take me to court and sue me.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX - Supposedly opened XX/XX/2022 - Amount {$170.00} I am not responsible for this debt. I don't have any type of agreement with XXXX XXXX XXXX, and called them OVER a year ago in order to dispute the {$170.00} charge on my report. They did not verify the debt because I have never agreed to any type of contract with them at all and they did not respond to the dispute and are continuing to incorrectly report it on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a compliant with you all about a month ago on Sagestream LLC. They in their response to you all they said that I could fill out the request to freeze my report online through their response to you all and I did email them the form to freeze my report but to this day it has not been frozen yet. I haven't heard anything from them since I filled out the form to have my reports frozen on their website via CFPB response from them
Product: Credit card or prepaid card

I have used a BoA credit card since XX/XX/XXXX. They provided a 0 % interest transfer rate which I took advantage. That date was XX/XX/XXXX. Immediately after the transfer the bank auto drafted from my bank account in the amount equal to transfer. Yes, they asked for all of it back in the form of a single payment. I provided a complaint to the company and they eventually refunded me the payment minus the normal amount due. The following two months everything worked well, but again BoA changed something and decided to begin charging me interest on a 0 % interest program. I have since called back two times with each employee apologizing for the mistake and claiming the charge will not occur again. Well, we are now in month 3 and it is still happening. I spend over 1 hour each month trying to get this resolved, and essentially training and teaching the individuals on the phone how to resolve this issue. The 2nd time I called I was told a supervisor would call me back to confirm the necessary changes were implemented. That never happen. The third call I was told the same, but right now I am fairly confident that won't happen either. I am also waiting to get the 3rd interest rate refunded and expecting a 4th call ( 1 hour long ) is necessary. In order to get this resolved correctly I am trying this route. BoA has always been known for bad service and nothing has changed over the years.
Product: Vehicle loan or lease

I traded my  XXXX   XXXX   XXXX  to  XXXX   XXXX  on  XXXX   XXXX  and purchased a new car with them. At that time I gave the dealership my pay off screen shot and per diem and good through date from Ally website. I got a call from notification that I still owed  XXXX  after the payment was applied. I have contacted Ally a number of times to inform them I no longer own this car and to contact dealership. They told me they do n't care and Its still in my name. Ally refused to contact them and send them info to get this matter resolved. Its a lousy  XXXX  and they are giving me a hard time and threating me about reporting to credit bureaus. ACCOUNT NUMBER  XXXX   XXXX   XXXX
Product: Money transfer, virtual currency, or money service

PayPal has locked my account and this has caused me to be unable to take out my funds which is 85 and thats a lot of money for me and I really needed it I tried contact them but they said I need to wait 180 days but I really need my money quickly
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bank account with Bank of America which was not closed for fraud it was closed because of a check that I received and deposited from my employer I gave copies of all the documentation to Bank of America regarding the check and where it came from they had no balance owed I owed nothingthey closed my account with a balance that they owed me and I see on my consumer report that they say I owe them money which is not correct several of my accounts got closed because of the wrong information that they have on my consumer report I want it fixed right away
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the Experian shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 


XXXX XXXX XXXX XXXX Open Date XXXX XXXXXXXX XXXX  Balance : {$7900.00}
Product: Mortgage

On XXXX XXXX I finally spoke to multiple individuals requesting COVID-19 mortgage relief while we try to bring our income level back to pre-COVID-19. 
I requested that XXXX be rolled into the 180-day request. However, Dovenmuehle has just sent a letter via the consumer complaint site stating that XXXX is considered delinquent and will only provide me with 90 days of relief. I am enclosing their letters and the VA guidelines that Dovenmuehle is required to adhere. 
Therefore, my request is that Dovenmuehle correct the paperwork to reflect XX/XX/2020 in the calculations for the next 180 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$270.00} ; XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate items from my credit report, which I believe are negatively impacting my credit score. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information.I have no clue what in the world the Credit Bureaus are trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with by them. These items were fraudulently appeared. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

This is happening constantly over and over, Identity Theft, PARAGON REVENUE GROUP are using name, address and Social Security number is being used fraudulently and has taken the signature and the instrument like it belongs to them and collecting from the state filing number. They are stealing. I do not know who this company is and have not authorized any use of this information and they are causing defamation of character and threatening the credit report.
Product: Credit card or prepaid card

In XX/XX/2019 my credit union sent a check in the amount of XXXX dollars to synchrony bank they cashed it then took it back I've called numerous people about this issue with no resolution can you help
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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I made a purchase on XXXX for a washer and dryer. I paid using the Cash App. Shortly after the transaction and before it had completed? I realized the items did not work and notified cash app. After three days they processed the transaction anyway. Fortunately I had also notified my bank who stopped payment but cash app claims I owe them {$360.00} for the transaction they paid anyway.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Bloc , 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. 
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 registration E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX FIVEPOINT CU XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX Pa XXXX This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the inquiries that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified inquiries MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these accounts from my credit report. Please provide me with an updated credit report showing items removed. 

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND SENT CERTIFIED MAIL THANKS IN ADVANCE Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_XXXX XXXX XXXX XXXX Date openXXXXXXXX Account Number XXXX Reason for dispute_IDENTITY THEFTXXXX  Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has a loan on my credit report that I never opened. The loan is for almost {$3000.00} says that I am past due for the payment. I've contacted XXXX XXXX they couldn't give me any information on the account because they couldn't find it. From what I see on XXXX XXXX the account was opened on XX/XX/XXXX of XXXX
Product: Money transfer, virtual currency, or money service

I received a call from Citibank XXXX department which was actually from a scammer at XXXX on XX/XX/year>. This caller had access to all of my banking information for my business account. They verified my account for security and then proceeded to review with me all recent transactions on the account. While on the phone with them I received a voicemail from Citibank XXXX department at XXXX and they left a voicemail stating that they had identified possible fraudulent activity on the account and to call them back. I called them back at XXXX while still on the call with the initial fraudulent caller and was told by the Citibank representative that there was a fraud alert on my business account and that they had cleared XXXX XXXX  transfers ( XXXX for {$28000.00} and the second for {$24000.00} ) within the last XXXX minutes. My complaint is that although there was a fraud alert on the account and there had never been any wire transfers over the last XXXX  years of activity on this account they still approved the wire transfers which consisted of 80 % of the available funds in the account. Citibank should have held the wire transfers until they could reach me by phone to authorize the XXXX transfers.
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 ( CDPA ). 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 caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian reported to my credit report without the following: hippa release form with my signature, who verified it, how they verified it, how they store their data, did they get the data from the original collector, proof of statue of limitations, the collectors right to collect in my state, license registered agent or agent of service on it from collection agencies(XXXX XXXX XXXX  XXXX)   have sent several rounds of letters disputes to XXXX and Experian they have repeatedly failed to delete these unverified accounts. These unverified accounts they have on file has hurt my ability to obtain credit. Under the FCRA, these unverified accounts must be removed immediately.Attached are responses from the collection agencies showing clearly a HIPPA Violation. They should not possess my medical info unless 100% verified of everything i've repeatedly asked for.XXXX XXXX XXXX sent me a letter, and in the envelope there was a form with my signature on it with no letter head showing it came from the original furnisher. they are clearly violating my rights.Also attached documents from XXXX showing these same accounts deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am a victim of identity theft. Upon review of my credit file I found the following inquiries that were not authorized by me and were made without my knowledge or approval. I request that the creditor remove these from my credit file. Inquiry dates are : XXXX XXXX XXXX and XX/XX/XXXX for XXXX XXXX; XX/XX/XXXX for XXXX  and XX/XX/XXXX for World Acceptance. I have attached a copy of the identity theft police report to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has data breach problem, and promises free for a TrustedID XXXX protection. I have been trying to register for the service since XXXX XXXX, and had called several time to solve the so-called " system not available '' issue, and has retried many times, and still got the same responses. Please help me to get protected from their mistake.
Product: Credit reporting or other personal consumer reports

I have been disputing with Equifax since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments reported, collections and accounts that have been charged off which are all inaccurate and against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion will not report my credit while I attempt to obtain a service from a merchant that requires reviewing my credit score. The merchant states that TransUnion has reported a freeze on my credit reporting. I have no freeze on my TransUnion credit reporting. 

TransUnion can not be contacted to resolve this error on their part. 

All attempts to contact TransUnion have failed, there is no manner to reach a human at TransUnion. 

TransUnion improper freeze of my credit has impacted my ability to secure credit. 

TransUnion 's refusal to lift the improper freeze is negatively impacting my ability to secure credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to apply for an account with carvana ; when the identity verification came up, none of the questions apply to me and I have my XXXX  credit report to prove it. However, when I called to speak with customer service, they refused to help me. The information contained in my XXXX  credit report is incorrect and is preventing me from pulling a new credit report with XXXX, Carvana, nor was I able to use XXXX
Product: Credit card

Capital One XXXXr closed my XXXX card account. I was told it was due to non payment and it can not be reopened. However, for the past several months, they have been taking money out of the account via XXXX that initially they claimed they never had access to. 

XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX I have not changed any information other than when I switched my XXXX account from an old XXXX account to the new XXXX account. This seems predatory I would like this removed from my credit report along with my account reopened.