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

I AM A VICTIM OF IDENTITY THEFT!!! 

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 XXXXXX/XX/XXXX XXXX 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 of 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

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXXBalance {$0.00} XXXXXXXX XXXX XXXX XXXXBalance {$0.00} XXXX XXXXXXXXBalance {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXXBalance {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a temporary freeze lift on my account with Experian from XX/XX/XXXX to XX/XX/XXXX successfully online using my PIN code. Today I entered identical information using their online form to lift the freeze temporarily again from XX/XX/XXXX to XXXX, and they are requiring me to submit onerous documentation to do so. It is impossible to contact a live person to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Addresses and employers that I have not been associated with and do not recognize need to be removed : Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In early 2010 we were improperly denied mortgage loan modification after being strung along for months which led to wrongful foreclosure of our home, sale at auction and being served with cash for keys while being told there was nothing we could do about it. I came across the article that said Wells Fargo Bank was having to pay back customers that they had done this to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX To Whom it May Concern My Identity has been stolen from XXXX of XXXX till Spring of XXXX. I was currently living in XXXX California at the address stated above. 

I have a couple reasons to back up my claims this is an identity theft fraud : 1. There have been MULTIPLE frauds Ive had to overturn on my account since XXXX of XXXX. 
2. I reived a letter from XXXX XXXX that my data had been stolen, including my social security number. The theives have used my old address XXXX XXXX XXXX XXXX, XXXX CA XXXX which I have not lived at since XXXX of XXXX. You will see my original application, lease agreement, and notice to vacate attached to this document. 
2. There are major holes in their claims because they used an old address that I no longer use. It just happens to be on my driver 's license still which I have NOT updated since I moved in XXXX of XXXX. 
3. What's more? They took out these lines of credit in these apartment buildings states Ive never been to and places Ive never been to. 
5. Ive created a credit fraud alert to the credit bureau and I have frozen my credit. 

THESE ARE THE FRAUDULENT ACCOUNTS : COLUMBIA DEBT RECOVERY {$1500.00} XXXX XXXX AMOUNT UNKNOWN Ive attached all the copies of police report, notice to vacate the XXXX address, income statements mailed to XXXX address stated above ( I rent so I do not pay utilities personally ), copy of my drivers license which has not been updated since I moved out of XXXX ( primarily because of COVID and I havent gotten around to it. ), and the signatures of the cop who filed my police report. 

Please let me know if I can assist you in this matter further. I had a near perfect credit score before this ( almost an XXXX ) and I would very much like my credit score to be reinstated to its rightful score and have these fraud claims overturned. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I opened an account with TD Bank on XX/XX/22 because of a promotional ad on XXXX. The ad stated I would receive a bonus of {$150.00} if I opened a Convenience Checking account and received a direct deposit of at least {$500.00} within 30 days. I have met all of these requirements but I have not received the bonus. I have called TD Bank multiple times concerning this issue and everytime I call they advise the department that handles promo bonuses does not take calls and that I just have to wait. Any assistance you can provide would be greatly appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened is the credit reporting agencies do not seem to be doing their job or not doing such a good job. When one has been defrauded as I have and taken all the proper channels of reclaiming my life and reporting unauthorized accounts unknown to me then for companies as such as XXXX, XXXX, and Transunion not to respond responsibly then I have no other choice but to turn to the FCRA/FTA if this can not be resolved. I'm also requesting the Method Of Verification used in this investigation conducted by the 3 credit reporting agencies. Name / title of the investigator, means of any and all documentation that gives them the authorization to even report such accounts on my file. If not then these accounts shall be removed and blocked from my credit files. 

1 ) XXXX  XXXX Bank {$1700.00} 2 ) XXXX XXXX Bank XXXX XXXX {$720.00} 3 ) XXXX XXXX Bank XXXX {$560.00} 4 ) XXXX  XXXX Bank {$850.00} 5 ) XXXX XXXX 6 ) XXXX  XXXX Bank XXXX {$0.00} 7 )  XXXX XXXX XXXX 8 ) XXXX XXXX Auto Finance 9 ) XXXX   XXXX  Ser 10 ) XXXX  Card Service
Product: Mortgage

I just got off the phone with US Bank, per my statement is still not generated for my XX/XX/XXXX due date, and I'm in the middle of a refi and need that statement asap. I was told the statement will not be generated until XX/XX/XXXX for a due date for XX/XX/XXXX. The last statement that was generated was on XX/XX/XXXX. 
They are not giving there customers expectable time to make there mortgage payments, and for others trying to close on refi 's there holding everything up. 

I'm in no way in a position of being delinquent, however for others out there this is completely unacceptable. Giving there customers 12 days from cycle to pay is unacceptable and should not be tolerated. Most people won't even receive there statements until maybe the XXXX - XXXX, seeing the XXXX is a Friday. I wanted to bring this matter to someone's attention so that it can be addressed. It is not fair to those that are struggling right now and depend on there statements to budget there finances. 

I can be reached at XXXX if there are any questions. 

Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX XXXX XXXX Pursuant to 15 USC 1681 ( a ) ( XXXX ) The Banking System is dependent upon my consumer report being FAIR and ACCURATE. After reviewing my Consumer Report I realized there was INACCURATE INFORMATION being reported on this account which in turn means this particular report is unfair to me. I was never notified when this INACCURATE information was FURNISHED nor was I notified during your companies initial investigation that you were going to report this information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) This GRAVE error has undermined my confidence in your companys procedures and as a result of this I will no longer be extending credit. IF THIS INFORMATION IS NOT REMOVED I no longer want my information reported in your companys database system.
Product: Checking or savings account

3 weeks ago I zeroed out my account with Truist and went into my local branch to close my account. I was told by the bank representative that my account was closed. However, rather than actually closing my account they allowed a debit to my account and have charged me overdraft and maintenance fees. This is unethical. I called the bank and they refused to cancel out the fees or close my account for good despite me offering to pay the debit and not the fees. Again, I find this incredibly unethical.
Product: Checking or savings account

I have a checking account at Citi Bank. On XX/XX/XXXX, early morning at XXXX XXXX I deposited my " PAYCHECK '' via ATM. I received a letter via notification that my PAYCHECK funds will be available in 3-5 business days.But after I deposited my paycheck, the next day Citi Bank seized my entire account. When I called customer service they connected me to fraud department saying due to an " unusual '' activity they are not clearing this check and have held all my savings. They said they are holding my entire account until they resolve this matter Not only did they block my account they also seized my all money that I had before depositing the check. After 4 days on XX/XX/XXXX they release my cash fund and Fraud department told me to visit Bank so Bank can help Me release funds.When I went to Citi Bank Branch located on XXXX XXXX XXXX, XXXX XXXX where I originally deposit my check into ATM. I spoke to Citi Bank Manager and even I explain to her and she went through my account and told me it 's not her department and she told me I have to contact fraud department while I was sitting there I called fraud department and I let her speak to fraud department and after she hung up she said she ca n't help me. I also dial XXXX XXXX manager where my employee issue check from and XXXX XXXX Manager also confirm that the fund has been released from their side. They are not holding any amount but still she refuse to help. I asked her to give me reason why my money is been held and she gave me a letter saying my fund will be release after XX/XX/XXXX. Sir, I have family to support including XXXX little kids, my daughter is XXXX XXXX  old and my son is only XXXX  XXXX. I have not received single letter from Citi Bank saying the reason for holding my Money. I already paid {$100.00} more to pay rent since my rent check has been returned and I had to borrow money to pay rent. I have attached documents so you can evaluate my situation and help me to release my fund early as possible.
Product: Money transfer, virtual currency, or money service

I have been using cash app as for personal transactions. Cash App had been charging me a fee for receiving funds under the pretense that I was set up as a business account. I did not realize this shouldnt be happening until a friend asked why are they charging me a fee to receive money and this should not be happening. Immediately I reached out to cash app and explained to them the issue. They stated that I had been setup as a business account and they would change it immediately. I explained to them that I did not set the account up as a business account as I never was given the option to choose between personal or business during my account setup. I requested a refund for all the fees associated with their error of setting me up as a business. They only gave me {$6.00} for days of fees. I requested for all of the fees charged in error since inception of my account and now they have refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX during XXXX I filed an application with Planet Home XXXX XXXX to put my loan in forbearance due to loss wages and time off work due to XXXX. I submitted the application to XXXX XXXX XXXX XXXX, they stated my loan payments that I would miss would be added to the back of my loan when the forbearance was over. In XX/XX/XXXX I sold my home. The loan was paid off in XXXX. 
In XX/XX/XXXX I applied for another FHA loan and was denied as my credit report showed XXXX XXXX XXXX reporting my mortgage 120 days late. I contacted XXXX immediately and stated I was in a forbearance program with XXXX XXXX when I owned the home, the representative stated they didn't process my application until XX/XX/XXXX there for I was considered late. I argued my point that I submitted the application in XXXX but got nowhere with XXXX. I gave up on getting a mortgage in XX/XX/XXXX as XXXX would not remove the XXXX late on my report. I was advised by a lender to wait and apply after the XXXX late was over 12 months old to avoid the stress of fighting with XXXX. 
XX/XX/XXXX i applied with rocket mortgage for a FHA loan to purchase a new home. I was told that XXXX XXXX XXXX last reported me being late on my credit report on XX/XX/XXXX. I sold my home XX/XX/XXXX!!! I called XXXX XXXX XXXX XX/XX/XXXX and they cant even find my old mortgage in their system to even discuss the issue with me. I was advised to send by mail a complaint to them. I was told there is no phone number to talk to anyone about this issue that it had to be done by mail. 
I am now in jeopardy again of not qualifying for a mortgage because of this lender. This is a HUGE mistake on my credit report that is affecting my credit score and my eligibility for another FHA mortgage. I need your help in getting this resolved. Even if they wont remove the 120 day late, ( still not my fault as I was told I was in forbearance ) they should at least be required at a minimum to report it correctly on my report. It SHOULD NOT say XX/XX/XXXX as I sold my home in XX/XX/XXXX and the escrow company paid my mortgage off in XX/XX/XXXX. 
PLEASE HELP! 

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

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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: Debt collection

I have attached the email correspondence between me and the Property Manager ( XXXX XXXX XXXX XXXX ),  which will reveal my case/complaint. I am facing a severe financial hardship and living with my relative as I am unable to get an apartment because the Hunter Warfield Collection Agency has reported the debt to XXXX, XXXX XXXX etc. The Landlord wants to collect $ XXXX, based upon false allegations. 
For sake of XXXX, please help me. I was jobless since XX/XX/2019 till end of XX/XX/2019. 
I request you to please help me to get rid of this unnecessary burden. I have contacted the Property Manager to resolve this issue but she asked me to contact the collection agency. I have have contacted the Agency,  an agent by name XXXX XXXX  replied, she was very rude to me and was not ready to resolve this issue.
Product: Credit reporting or other personal consumer reports

I recently learned it was inaccurate installment loan on my credit report with late payments so I reach out to XXXX XXXX Transunion they are still not verifying
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently complained to XXXX XXXX about their misinformation via customer service phone number. After not resolving the issue they offered me lower APR which I declined, told them to close my account out. My balance was paid in full {$250.00}. for have the proof below and I can send bank statements. I disputed with Experian about the wrong information and credit one still has that I owe {$250.00} and the account is open.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern : Upon inspection of my credit report I noticed the following personal information is incorrect : My full name is : XXXX XXXX There should be no other name listed please remove any other that remain My current address is : XXXX XXXX XXXX XXXX Pa XXXX There should be no other address listed please remove any other that remaim XXXX XXXX XXXX  : XXXX XXXX XXXX  My phone is number : XXXX Please update your records properly Regards XXXX 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 Act ( EFTA ) and Regulation E. These actions have caused significant in convenience and financial loss, and i seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT KNOW WHO THESE ACCOUNTS ARE : COMENITY BANK {$3300.00} XX/XX/XXXXXXXX XXXX {$1500.00} XX/XX/XXXXXXXX XXXX {$2800.00}XX/XX/XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX {$980.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX/DOFED XXXXXXXX XXXX/DOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX ACCIUNT # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Payment History This account states that I was 30,60,90 days late however I was never late on this account and the creditor has agreed to remove the late payment to avoid any litigation. I demand that this be removed XXXX ACCOUNT # XXXX Contact Information XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX This account states that I was 30 days late however I was never late on this account and the creditor has agreed to remove the late payment to avoid any litigation. I demand that this be removed XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed.