23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I XXXX XXXX was contacted on XX/XX/year> by a company named Speedy Loans XXXX located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX The lady stated they had a loan available for {$4000.00} and I accepted the loan. I provided my bank account and routing numbers.They provided documentationwhich I downloaded on my phone incuding the terms for 36 months at {$120.00} per month. I was prompted on my phone to accept the loan. I did not sign a document online. Everthing was done online or through phone.They stated that since my credit score was on low end they would need an additional verification step which was purchasing a {$200.00} XXXX gift card and providing the card info in order to process the loan. I completed this step and was told loan would be deposited shortly. The loan money was never deposited. I talked to a gentleman the next day morning and he stated the loan would be processed but was taking a little longer because of verification process due to my lower credit score. This was on XX/XX/year> This was the last contact I was able to make with the company. Ever attempt and i have tried numerous times either is a busy phone or a voicemail to an extension. For protection I have since changed my bank account number. I contacted a business under the name XXXX XXXX under the same address and someone there told me this Speedy Loan name is a fraudulent company. I also filed a report on ftc.gov website as well. Thank you for your assistance. 
XXXX XXXX
Product: Checking or savings account

In the Spring of 2024 I opened a savings account for my mother-in-law, XXXX XXXX, who XXXX XXXX in XX/XX/year> and is very hard of hearing. 

Around that time, we titled the account as a XXXX XXXX with XXXX as the sole Trustee. 

On or about XX/XX/year> we sent Citizens Access a letter asking that my wife, XXXX XXXX XXXX, and I be given Power of Attorney in the trust account, to act on behalf of XXXX, who is my wife 's mother and my mother-in-law. 

On or about XX/XX/year> my wife XXXX XXXX XXXX mailed a letter of instruction, copies of our drivers ' licenses, a case number - XXXX - and account number - XXXX to Citizens Access in Rhode Island. 

The following day, my wife realized we had not included the current signed notarized Power of Attorney. My wife sent the signed notarized Power of Attorney under separate cover, dated within a week of XX/XX/year>, with a cover letter, describing the materials mailed the previous day. Both the first letter of instruction and the subsequent cover letter requested that the original signed notarized Power of Attorney document be returned. We did not make a copy of the Power of Attorney. That document only exists in the original signed notarized version. There is no copy of the Power of Attorney.

This correspondence was with Citizens Access Account XXXX ; ROP XXXX ; XXXX XXXX XXXX ; XXXX RI XXXX Some time later, we received a letter From Citizens Access with the XXXX page of the Power of Attorney attached. 

On XX/XX/year>, I called the telephone hotline, asking for the rest of the Power of Attorney. After two additional calls on XX/XX/XXXX, I was told I needed to send the Power of Attorney document. I was told the one I sent was a copy and they needed the original. 

At some point after that, the account was frozen for withdrawals but deposits were accepted. 

As it happens, I have a banking relationship with the brick-and-mortar operation at Citizens Bank, including sharing signed notarized Power of Attorney documents on several occasions. I mentioned to the bank officer that I was having a very negative experience with her counterpart organization - Citizens Access. I understand that calls were made internally to understand what was necessary to unfreeze the account. 

I made additional phone calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX calls on XX/XX/XXXX. 

In my last call to Citizens Access, I was told to send the Power of Attorney to a new address in XXXX XXXX Illinois.
Product: Debt collection

I got XXXX. on this matter in XX/XX/2019. To settle the debt. We settled for half what was owed. I was to get a letter from them about the agreement. I never get one have payed them as agreed. This has been going on since XX/XX/2019. Last month no one answered the phone. Payed online and it said approved but they say it doesn't work. They will not give what I owe. What to pay off. One Lady told me XX/XX/2019 that I owed XXXX but the bill was XXXX and settled for XXXX. I don't think it, s right to be paying on something with out proof. I know it will go into the credit bureau as payed less. I need help with them giving my proof. My ref. # XXXX with them
Product: Credit card

Ive called the company and asked to be put under a payment plan and they agreed to the date that we arranged but the date came for me to make the payment they automatically canceled the payment arrangement and wanted to full amount right then for both credit cards and have kept adding fees and interest on to my account
Product: Student loan

I attended a College in 1996, the College was threatened with losing it 's accredition so I transferred to a Technical College. XXXX XXXX XXXX provided Maintenance/Servicing to my Loans, at which time I was told the old debt was deleted due to leaving the School and it later losing accredition. My loans were then sold to Navient who then told me My accounts were deffered, or in forbance which neither happened, and the Interest is more than I originally owed for the Loans to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having trouble getting the credit bureau 's to remove the fraud alert from my credit report. I am recently new home owner and need this information to be removed ASAP. This fraud alert is preventing me from doing things I need to do for myself and my family. It is embarrassing and each time I try to use my own credit I'm getting denied but still getting points deducted from my credit score. I thought this would protect my credit but is hurting it instead.
Product: Credit reporting

My equity line from XXXX XXXX ending in XXXX was reported XXXX X late when it was paid and posted within 30 days. The XXXX reporting showed a statement that it was due on the XXXX of the month. Payment was made on the XXXX day. I have written all XXXX credit bureaus more than XXXX times for the same reason furnished statements and today even talked again with a " executive to the President '' person who called me after complaining about the bank on this site. The banker informed me today that indeed XXXX of those payments was received on the XXXX and processed on the XXXX so they were going to correct that reporting. However the same representative indicated that the payment had to post or be received on the XXXX not to be 30 days late. That same banker also indicated that the statement which I will attach has no meaning even if it indeed says payment was due on the XXXX of the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY CREDIT REPORT FROM EXPERIAN AND NOTICED TWO XXXX XXXX  ACCOUNTS REPORTING BACK ON MY CREDIT. EXPERIAN REMOVED THEM TWO TIMES. I CALLED AND SPOKE WITH A REPRESENTATIVE AND THEY SAID WE HAD A BLOCK ON THE CREDIT. I REACHED OUT TO THE CREDITORS AND THEY SAID THEY NO LONGER OWNED THE DEBT. BY LAW THE CREDITOR CAN NOT SELL YOUR DEBT TO AN COLLECTION AGENCY THATS AGAINST THE LAW. I NEVER SIGNED ANY PAPER WORK TO RECEIVED CREDIT CARDS FROM XXXX XXXX. THERE HAS BEEN FRAUDULENT ACTIVITY ON MY EXPERIAN REPORT WITH THIS ENTITY FOR YEARS. I HAVE STARTED THE LITIGATION PROCESS TO SUE EXPERIAN AND XXXX XXXX FOR FALSE REPORTING ON CREDIT REPORT. AS A CONSUMER I HAVE THE RIGHT TO TAKE THIS TO COURT. YOU WILL HERE FROM MY LAWYER.
Product: Credit reporting or other personal consumer reports

I am resubmitting this complaint today to provide a follow-up on my previous communication dated XX/XX/XXXX. As outlined in FCRA Section 605b, Credit Reporting Agencies are mandated to promptly remove any items listed on an identity theft report. Once again, I have attached relevant documents to facilitate the expeditious removal of erroneous information and unauthorized inquiries present on my credit reports, along with my recent FTC report # XXXX. Below is a list of items that do not pertain to me or were opened without my consent : -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items identified by the consumer as information resulting from an alleged identity theft, not later than four business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to your company again as you continue to violate my rights as a consumer by having these fraudulent accounts on my credit report. I do not understand how it is possible you are able to verify these alleged accounts when it is clear that there are so many inaccuracies and incorrect information. Please remove these fraudulent accounts that are listed in the FTC Claim. I have reported this and included yet another FTC Affidavit. I also made a complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

after this incident I no longer have peace there are many calls with offensive words that I am receiving daily I received many threats I am afraid to go out on the street because of these threats
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT NUMEROUS WRITTEN REQUESTS TO EQUIFAX TO REMOVE FRAUDULENT 2 ACCOUNT FROM MY CREDIT RPORT WHICH SHOWS THAT I AM AN AUTHORIZED USER. I KEEP TELLING THEM I NEVER REQUESTED TO BE AN AUTHORIZED USER.
Product: Debt collection

On XX/XX/2019 I deposited, into my personal SunTrust account, a check at the direction of my emloyer in order to conduct business on his behalf. 

5-6 days after the deposit ( orig check amt is {$9800.00} ) the account balance was {$5000.00}. I called SunTrust corporate offices, spoke with a representative named XXXX, who assured me that any funds appearing in my account balance are cleared by the bank and authorized for use. I proceeded to conduct business on my employer 's behalf. 

On XX/XX/XXXX, I attempted to access my bank account and was denied access. When I contacted the bank I was informed that the original check had been returned, my account was frozen and I owed SunTrust the money I had withdrawn to purchase Postal Service money orders to make payment to my employer 's client. 

I have been contacted by a collection agency, XXXX in XXXX, PA. I do not have the means or desire to repay this amount, as I was defrauded by my employer then victimized by my financial institution, who tells me no matter what their representative informed me, he was wrong and I'm responsible as the account holder for the amount of the withdrawal ( plus interest, fees, penalties ). 

I hope something good will happen. Thank you
Product: Debt collection

Portfolio Recovery Associates, LLC took TRIPLE the amount authorized by us ( via a recorded phone call they verified through their review process ) out of our bank account on XX/XX/2019. Through our multiple attempts to get this reversed/resolved, weve been lied to, rudely addressed, given the run around, and are yet to see any money back. How are they allowed to steal from individuals who have followed their company policies? How are they allowed to accidentally withdrawal over {$2000.00} beyond the authorized amount? Who protects the rights of individuals? We were told on XX/XX/XXXX that the refund was processed, addressed, verified, and our money would be refunded by XX/XX/XXXX. Today, XX/XX/XXXX, we were told by an Executive Director that it was our bank that wasnt accepting the refund ... our bank shows no communication from XXXX. Another phone call resulted in a representative stating a refund was processed 15 minutes ago, and your refund will be in you account within 24 hours. We need someone who can help refund the more than {$2000.00} that was stolen from our bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2022 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. these accounts listed are fraud i did not make these inquiries i spoke to the reporting agency and they have violated my rights by not removing these inquires ASAP
Product: Checking or savings account

My ATM card was stolen. Between early XX/XX/2019 until XX/XX/2019 a total of {$62000.00} was withdrawn from my savings account at Chase bank. Usually in increments of {$3000.00}, some were taken on the same day from the same ATM. 

I have never taken any money from my savings account using an ATM. 

My complaint is that Chase Bank never flagged or notified me about this as unusual activity in my account. 

I have had a bank account with Chase Bank for over 20 years and am also Private Client with Chase Bank.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th 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, or that I have signed any agreement. 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 immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : late payment XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts I do not recognize
Product: Credit card or prepaid card

My identity theft was last year XX/XX/2022. 
I files complaint at local police department & also files complaint to XXXX about charges. 
My XXXX Credit Card last XXXX # XXXX charged was not authorized by me. 
Its a fraud transaction Credit cards sent statements about my account charges. 
Credit cards company trying collect charges from me but its totally fraudulent transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX a Loss statement with the IRS, stating that they discharged my debt of {$11000.00}. and were taking a LOSS, thus REDUCING their tax burden for 2021. 

Conversely, I paid income tax on the GAIN of {$11000.00}. 

After they have done this, it is illegal for them to take any payments from the consumer. 

Thus, when I contacted them, they REFUSED to take payment. 

Thus, according to the Fair Credit Reporting Act, it is not legal for any of the three credit bureaus to report this account as having a balance. The debt has been DISCHARGED ; thus, it can not be paid, and it can not be reported. 

Both XXXX and Experian are each reporting a balance of {$15000.00}. ( Principal of {$11000.00} plus interest )
Product: Credit reporting, credit repair services, or other personal consumer reports

Please correct my personal information on my credit report. Attached is a copy of a bill along with a copy of my drivers license displaying my correct address. The only address that is valid on my credit report is : XXXX XXXX XXXX XXXX XXXX, XXXX FLORIDA XXXX. 
The correct spelling of my name is : XXXX XXXX XXXX My employer information should be : XXXX XXXX ALL OTHER ADDRESSES OTHER THAN WHAT IS LISTED ABOVE AND STATED ON MY DRIVERS LICENSE ARE INCORRECT AND NEED TO BE REMOVED ACCORDING TO THE FAIR CREDIT REPORTING ACT AND : 15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out numerous affidavits of dispute to TransUnion and XXXX  since XX/XX/XXXX. My most recent affidavit was sent out certified mail with return receipts XX/XX/XXXX. Both companies received my disputes on dates XX/XX/XXXX and XX/XX/XXXX. In my dispute letters, I asked for their validity and verification of an alleged bankruptcy on my credit report. XXXX  failed to provide such verification documents bearing my signature or methods to validate the account. TransUnion failed to respond all together to my request, which is a violation of FCRA Sec 611 ( a ) ( 1 ). Within my affidavit of dispute, I enclosed documents from the court that is listed on my report, stating they do not report information to the credit bureaus. I also enclosed information from XXXX stating they do not have any bankruptcy record on file for me so XXXX  is reporting inaccurate information stating they retained such information from XXXX. I also enclosed information of my XXXX report showing there is no public record on file for me. So with all the supported document I have filed, I request that the derogatory account be deleted from my TransUnion and XXXX reports.
Product: Checking or savings account

Bank of America offered to open my business account online, I accepted and opened 2 accounts, after rigorous Identity verification all information was confirmed the accounts was opened ( account number XXXX ) and charged my debit card to fund the initial deposit. Then 3 days later without any explanations the bank closed the accounts, I called the customer service and they told me that they are unable to give me any information. Now the online ID are deactivated and the accounts closed without any reason, It seem to be like a discrimination, XXXX act and misleading advertising from Bank of America.