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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX BALANCED {$770.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX XXXX {$580.00} XXXX  XXXX BALANCED {$4100.00} XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

When checking my Bank Of America checking account in XXXX in 2019 I noticed a {$50.00} withdraw at XXXX that I have not made. I contacted the BOA customer service to stop my card and send me a new XXXXne. I rechecked my account a couple of days later and I found out that before ever receiving or activating the new card, two charges appeared on my bank statement. A charge of {$800.00} from XXXX XXXX with {$3.00} charge and {$100.00} from XXXX XXXX ATM on XX/XX/2019. I contacted XXXX again to inform them that I have not received the new card and there are new charges that I have not made. The bank stated that they have sent my card to my address and was activated. I opened a new claim. A month later the bank denied to pay me the {$50.00} and {$900.00} and closed the two claims. Later I send BOA a letter requesting them to reinvestigate and open the two claims. I have also sent a police report for my lost card and the charges made. The bank again declined to pay me back my {$900.00} and closed the claim. They accepted to pay me back my {$50.00}. I spoke to BOA customer services more than three-times to request information about why they have declined to pay and what they have found during the investigation. I never got an answer to any of my questions, they state that they don't have permission to give me any details about what they found during investigations and told me that the person that made the withdrawal looks like me. They have accused me of stealing my own money. I am in the process of closing and withdrawing all my money from BOA checking and saving accounts well as closing my credit card. What should I do to get my money back?
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing to express some frustrations with my dealings with Equifax that has negatively impacted by ability to live my life and gain access to financial services. Specifically, Equifax has refused to provide copies of records, actions, and documents they relied upon during their investigation of a collections account marked as " XXXX XXXX XXXX ''. Which is a violation of California and Federal laws that state the consumer has the right to receive copies of the information the credit reporting relied upon in making their investigation determination. Previously, I have voiced my concerns to Equifax and in my original dispute letter I asked Equifax provide copies of the documentation that they relied upon during the investigation. However, Equifax has not responded to those requests. I also contacted and submitted a debt dispute directly to XXXX XXXX XXXX but they neither confirmed nor responded to my dispute and request for more information. As it stands now, both Equifax and XXXX XXXX XXXX are stating that the information on my credit report is valid but they have refused to provide me with any documentation, let alone a signature card, to show that they investigated these issues and that I am actually responsible for this debt. I have also asked XXXX XXXX XXXX to cease and desist contact with me but have continued to receive calls and collection letters. I respectfully reiterate my request that both Equifax and XXXX XXXX XXXX provide me with full verification of debt, with signed and dated signature cards accompanied by the full consumer contract and a history of the account statements. This information is needed to verify the validity of the debt. Equifax and XXXX XXXX XXXX can review my previous correspondence for more details on what information I am requesting.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX and TransUnion Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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

To Whom It May Concern, This letter is to inform you that you have unlawfully reported a debt on my credit report. Under the new Regulation F rule that began on XX/XX/year>, your company, { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX }, has violated the Fair Debt Collection Practices Act ( FDCPA ) XXXX ( a ) by placing this debt on my report without my permission. Please immediately stop reporting this debt. If you do not comply, I will take legal action. I have not given you written consent to place anything on my credit report ( 15 USC 1681b ( 2 ) ), and you have no lawful reason to share my personal information with third parties. Your actions may amount to aggravated identity theft, which can lead to criminal penalties ( 18 U.S.C. 1028A ). Cease all communication about this debt as required by law ( 15 USC 1692c ( c ) ), and promptly delete it from all consumer reporting agencies. Reporting inaccurate, incomplete, or misleading information harms my reputation and ability to get credit. Your inaccurate reporting has negatively affected my livelihood. Under 15 U.S.C. 1681s2, as a furnisher of information, you are legally required to ensure that the information you provide to credit agencies is accurate. Reporting information you know to be wrong is prohibited. In conclusion, you are on notice that this information is inaccurate. You must delete this account from my credit report within 10 days or face legal action under 15 USC 1681n, 15 USC 1681o, and 15 USC 1692k. I am requesting a free copy of my report showing the deletion of this account. Failure to respond satisfactorily will result in legal actions, and I will seek damages of {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. FDCPA violations under 15 USC 1692g 4. FCRA violations for willful noncompliance Thank you.
Product: Credit card

I spoke to them in XX/XX/2023 and Im not able to pay {$87.00} at all due to XXXX from XXXX XXXXthey still wanted me to pay even though the amount was smaller i still can not pay!
Product: Money transfer, virtual currency, or money service

I am filing this 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 is 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

I have been denied credit by XXXX. 

My personal identifiers are incorrect in my credit report. 

The following personal identifiers are the only information is the only data that should be reporting. 
Name : XXXX XXXX Social security : XXXX XXXX Telephone XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX Birthday : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my recent Credit Repot from TransUnion, I noticed a negative item reported by XXXX XXXX. On XX/XX/2023, I sent a dispute letter to TransUnion to resolve this matter, and 30 days has passed with no investigation. TransUnion is now in violation of federal and state law under the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). As you TransUnion has now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against your company.
Product: Credit card or prepaid card

On XX/XX/22 I received notice from my credit report monitoring service of a new balance on my Citi card. I tried to login online but my password didnt work, so called CIticard and found out there were 8 purchases made out of my state between XXXX for a total of {$7500.00}. None of these purchases were made by me. My card was canceled and the charges were disputed and was told could take 2 billing cycles. After reviewing my credit report I noticed an address out of state that is not mine and disputed it and froze my credit report. I called back was told the investigation was closed because I needed to answer questions but I never received the email, so I answered their questions on that phone call and was told investigation would be reopened. I called back again and was told investigation was closed based on the card having a chip being used for these purchases in other states that I have not been to. They told me to file police report, postal report and send an email to their security operations manager to reopen investigation which I sent on XXXX. I called back to confirm they received email but was told they would make a note about my call. Upon further questioning I found out my citi card had been mail to the wrong out of state address on my credit report. So it seems someone changed my address and had new card sent to that address and then used my card to make fraudulent purchases. Its been over 2 months my card is accumulating lates fees and interest on these fraud purchases. I dont want my credit to be affected. I need help with disputing these fraud purchases with Citi card. Thanks.
Product: Credit reporting or other personal consumer reports

Attn : TransUnion XXXX XXXX TransUnion LLC XXXX XXXX XXXX  Department Consumer XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom It May Concern, My name is XXXX XXXX. I am writing on my own behalf, to dispute several accounts that were fraudulently opened in my name and to request the removal of associated inquiries and collections from my credit report. I did not authorize these creditors to obtain my information, and upon contacting them, I was advised to request the credit bureaus to delete these entries. 

The accounts in question are as follows : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Amount : {$630.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Amount : {$150.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Amount : {$1400.00} / {$350.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX  ( XXXX  ) - Account Number : XXXX - Amount : {$190.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Amount : {$1400.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Amount : {$11000.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Amount : {$630.00} - Date Opened : XX/XX/XXXX Additionally, these creditors have inaccurate personal information on file. My correct information is as follows : Correct Address : XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX  XXXX Email : XXXX Number : ( XXXX ) XXXX Employer : XXXX XXXX XXXX - Owner Please correct the inaccuracies on my credit report. Thank you for your prompt attention to this urgent issue. 

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

My account with XXXX  XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX was never late! I have had exceptional payment history witH 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 my 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 30 - 60 DAYS 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 Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : 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 card

I signed up for a Delta XXXX card on XX/XX/year>. When I signed up, I was given a welcome bonus offer of XXXX SkyMiles if I met a minimum card spend of {$6000.00} in the first six months. I reached the card spend in XXXX or XXXX. When my SkyMiles hadn't shown up, I contacted American Express to see what was happening. I contacted them on the chat and they told me I didn't qualify for the welcome bonus because I had already had a XXXX Delta card with them. However, the XXXX is a higher tier card, so I knew that wasn't true. A couple of hours later I called American Express and the agent told me that the chat agent was not correct. They could see that I had the offer on my account and that I had met the card spend. They said that the reason I had not received my SkyMiles yet was because there was a glitch in the system between American Express and Delta and to wait until 8-12 weeks after my card spend was reached and it should be there. I waited. The SkyMiles did not arrive. I called again and was told that they could see the offer on my account but that the problem was on Delta 's end and I needed to call Delta. Delta told me that they could see the offer on their end, but they were just waiting for American Express to let them know I made the card spend and then they would credit me with the SkyMiles. I called American Express again and an agent told me they would open a case with their back end team and I would hear back within 6-8 weeks. It has been over that and I still have not heard. I called again, and they told me they are still waiting for the back end team and to keep waiting. Every time I call I get a different excuse and a different answer. Their story keeps changing and most importantly, I haven't received the welcome bonus or any type of resolution, just keep being put off and told to wait longer. It's been months.
Product: Mortgage

BECU loans. I originally asked for relief of payments on heloc because the interest was beyond me. When loan was first taken out the arm was lower than fixed and I had no idea it would be like throwing $ fluff in the air with nothing left for me to the apply on principle. My complaint is that no one could get me to the right phone number for months. If they knew I couldn't do anything on the heloc why did I go through the process and then be told it wasn't a loan that could be modified. Denial letter was XX/XX/year>. So then I was advised to ask for mortgage relief through loss mitigation, etc. Too many people with different answers, finally got right department. Two people even said grants may be available, but never found any information on that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2023. To remove personal Information that I do not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. 
These are clear violations of my federally proceed consumer rights 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL continue to 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 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.
Product: Checking or savings account

I'm filing this complaint against MoneyLion bank ( XXXX XXXX XXXX ) for the following two major issues I'm facing from them. 

1 ) They are not honoring their promotional offer to credit 17 % of the direct deposit amount into my account although I have met all the conditions specified in the offer and bonus payout is overdue from their side as of XX/XX/2019. I opted-in for this offer in their app at the time of signup and they confirmed the same to me via email confirmation that I am eligible for the promotional bonus. 

Here are the exact terms and conditions of the offer : .. 
MoneyLion is offering a bonus of up to {$590.00} as part of their pave the wage campaign to highlight pay inequality between genders. To receive the bonus you need to : - Join MoneyLion - Set up a direct deposit of $ 500+ - Opt in to bonus - Maintain direct deposit for 90 days to get bonus ( this needs to be 90 % of your initial direct deposit ) - Bonus you receive will be 17 % of your first direct deposit I have fulfilled all the conditions as of XX/XX/2019 but they are saying that they want me to send them an Opt-in confirmation which I never received due to their faulty system. I thought they might do a fraud like this so I emailed them and confirmed my eligibility in writing from them. 

See a lot of comments from aggrieved customers at the bottom of this page talking about the same fraudulent behavior Moneylion is subjecting them to : https : XXXX 2 ) I'm unable to transfer out any money from my MoneyLion account to my external bank accounts. They are holding my money for last 4 months now. I have tried adding three external bank accounts and none of them show up in the transfers window in their app. They don't respond to the helpdesk tickets filed on their app or website and I'm getting only canned responses directing me to their help articles. Also, when I get to talk to someone on their phone helpline they aren't able to admit the problem and are unable resolve the issue for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information doesn't belong on my transunion credit report
Product: Checking or savings account

I requested to close my checking account on XX/XX/23. The account remained open as of today but we had no access to the fund. That is, we could not transfer money out and we could not withthraw money either. On XX/XX/23 we called Chase and was told that the branch will be able to help. So I went to the branch and they could not do anything either but they asked me to call XXXX XXXX XXXX. I did call and the person who I spoke to promised to have the account closed and a check sent to me within a week. As of today, XX/XX/23 nothing had been done. I went online and my accound looks just like before with a balance but I have no access to the fund in the account
Product: Money transfer, virtual currency, or money service

I am filing a complain 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: Mortgage

On or about XX/XX/2023 I notified Select Portfolio Servicing that my taxes were reduced approximately {$5000.00} a year. 
Select Portfolio Services said they would fix escrow payment within 30 days. 
It has now been over 60 days and still escrow payment is not corrected.
Product: Credit reporting or other personal consumer reports

Acct. # XXXX was paid off on XX/XX/2024 and they report to credit records DELINCUENCY ACCOUNT ON XX/XX/2024 for $ XXXX {$340.00} THEY REPORT TWICE IN THE SAME MONTH XX/XX/2024 The Initial amount of the car purchase was {$13000.00} and they ended COLLECTING {$32.00} XXXX ... that was a HUGE Interest XXXX RATE AND NOW THEY SENT A DELICUENCY INFO TO MY CREDIT AND THE STATING THAT THEY SENT ME THE TITLE I HAVEN'T RECEIVED ANY ALSO NO PAY OFF LETTER