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

I am submitting this CFPB Complaint to dispute the inquiries and demanded verifiable proof bearing my signature/ electronic signature. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate the inquiry in question or delete. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiry and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, the Credit Bureaus are required by the FCRA to follow up with the creditor. Please see the list of the Inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FCRA requires the Credit Bureaus to verify the validity of the items within 15 days. If the validity can not be verified, the Credit Bureaus are obligated by law to remove the item. There is a clear case of unauthorized inquiries here, and I urge the Credit Bureaus to remove them before I am forced to take legal action.
Product: Money transfer, virtual currency, or money service

I was contacted by a lady, named XXXX, who introduced me to use this app ( originally, it was an XXXX  app called XXXX, then they changed the name as XXXX, now the XXXX  app is complete not working ) through XXXX. 
Later, they also gave me a website to trade cryptocurrency, https : XXXX  and later it was changed to XXXX XXXX XXXX. 

At XXXX, I was a little cautious, I only transferred a few thousand dollars, and I tried to transfer back and forth a few times, did not see any hiccups. Then I started to wire transfer from my bank ( Capital one bank ) to them, on XX/XX/XXXX, I wired XXXX XXXXXXXX ; on XX/XX/XXXX, wired XXXX XXXXXXXX ; on XX/XX/XXXX, wired XXXX  XXXX ; XX/XX/XXXX, wired XXXX XXXXXXXX, XX/XX/XXXX, wired XXXX XXXXXXXX. A total of XXXX XXXXXXXX were wired to them. 

Later in XXXX, I was trying to withdraw some money, but my withdrawal request was declined. I asked them the reason, but they did not provide a reasonable answer. I tried multiple withdrawal attempts, but I was never been able to withdraw any amount of cash. So I immediately led a fraud report through FBI website and reported the transactions to my bank ( XX/XX/XXXX ) just trying to recover some of my money. 

So far, it has been more than 4 months, I did not hear anything from any law enforcement nor did I hear back from my bank, although I have been trying to contact my bank 's fraud department about the progress, so far NO progress either. 

Just two days ago, the company 's website no longer exists, so did their XXXX  app. All of my hard-earned savings are gone, I even borrowed some money and carried a loan. It has been so frustrating for the last couple of months, I just want to see if there is any way I can recover some money.
Product: Checking or savings account

I signed up for an offer from BMO Bank to earn a {$400.00} Checking account bonus + a {$200.00} Money Market bonus + and a {$100.00} bonus for doing both. That checking account bonus was paid XX/XX/XXXX. The Money Market and combined bonus has not been paid and it has been 177 days, well past the required time. 

I opened a Platinum Money Market account and deposited {$10000.00} within 30 days of opening. 
I transferred the money temporarily to my checking account to be able to move it into the money market account. I could not transfer it directly into the account because my other bank requires micro deposits to verify the account. So I had to put it in the checking account for a few days and then I could open the Money market account. It was in there a short time and it seems clear to me what my intent was. 
My checking account shows I transferred {$8000.00} on XX/XX/XXXX to the money market, and the remaining {$2000.00} on XX/XX/XXXX. 
The {$10000.00} balance has been in the account 177 days as of XX/XX/XXXX. 

I have sent them a message through their website on XX/XX/XXXX and again on XX/XX/XXXX. They have not replied to either message. They did reply to earlier messages so I do not know why they are ignoring this. 

Below copied from their website ; Offer 1 was paid. Offers 2 and 3 were not paid.

3 offers to get up to a {$700.00} bonus!

Offer 1 - Get a {$400.00} bonus for completing the following activities with a new checking account in the first 120 days : BMO Harris Smart Advantage Checking Account {$25.00} min deposit Have a total of at least {$6000.00} in qualifying direct deposits. ( {$1500.00} a month ) 2 x $ 800 month XXXX XXXX in BMO Digital Banking and set up paperless statements. 
Make at least 10 qualifying electronic transactions. ( debits ) BMO Harris Smart Advantage Checking Account no monthly fee with paperless ( estatements ). pay bills, transfer money, view statements, and more with free BMO Digital Banking6 {$5.00} for each Money Order, {$10.00} for each Cashiers check, {$30.00} outgoing domestic wire transfer Offer 2 - Get a {$200.00} bonus when you open a Platinum Money Market account, deposit at least {$10000.00} in new money and keep it for 90 days.

Platinum Money Market account Offer 3 - Get a {$100.00} bonus just for opening a checking account and a Platinum Money Market account! ( this gets deposited into your checking account )
Product: Debt collection

Grant and Weber has failed to validate this debt after requesting them to do so in writing through certified mail. they 've placed on my credit report. the amount is reporting as XXXX
Product: Credit reporting or other personal consumer reports

I did not consent, authorize nor benefit from any of the following inquiries. Please Block and remove the followings inquiries from each bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am trying to log into my Experian account to unfreeze my report for the past 2 months and I am not able to because it says I have the incorrect password. When I try to reset the system locks me out and have not been successful getting someone on the Experian Customer care number. This is getting very frustrating because I am in the middle of purchasing a home and the lender has not been able to pull my Experian credit score. When I hit forget password, the system ask to add an email on file to get a reset. But I never get their email to reset the password and unfreeze my report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I forwarded a Certified Letter to Transunion Consumer Solutions Disputing the Validity of a Collection account listed on my most recent Credit Report. 
Collection Account - Creditor : XXXX XXXX - Date opened - XX/XX/XXXX. Original Creditor XXXX XXXX XXXX XXXX 
( XXXX - debt buyer ) I also attached a page from an older Transunion Credit Report which was dated XX/XX/XXXX showing a line item XXXX XXXX XXXX  with a last payment date XX/XX/XXXX. XXXX ( XXXX XXXX ) - showing the same account number as the XXXX XXXX account listed above. 
( this account had since dropped off of my Transunion report and the Collection account was added ) I advised that I did some research of my own and was aware of XXXX XXXX XXXX Deceptive Practices and this appeared to be one of them ; False Credit Reporting ; Re-aging an already existing item and that I was aware that this practice was ILLEGAL and it had a severe negative impact on my Credit Score. 

In addition I advised I was aware that XXXX had to pay a {$3.00} XXXX penalty to the CFB 's Civil Penalty Fund, that it Must stop selling debt that it can not verify and that XXXX sent inaccurate information to debt buyers when it sold off credit card debt and used law firms that Altered court documents. 

I also let Transunion know that I was aware of the article on the CFPB website dated XX/XX/XXXX that Transunion must provide more than {$13.00} XXXX in restitution to affected consumers and {$3.00} XXXX to the Bureaus Civil Penalty Fund. 

Transunion came back with the following : Your Investigation Results : XXXX XXXX Information Updated, Verified as Accurate and Updated. 

I do not feel that Transunion has Accurately reviewed the contents of my Certified letter and attachments. 

It was made extremely clear in my letter, that this debt buyer ( XXXX ) has engaged in the act of False Credit Reporting Re-Aging. 

XXXX BOUGHT XXXX XXXX XXXX XXXX XXXX IN XX/XX/XXXX! 
I DID NOT sign any agreement with XXXX/XXXX. 

The above is a clear example of REAGING with the INTENT to severely damage a CREDIT SCORE by adding a NEWER line item and RESET a Statute of limitations. 

Transunion has permitted this to occur by not properly monitoring reporting practices.
Product: Checking or savings account

On or about XXXX XXXX XXXX my email account was taken over/hijacked, I was locked out, and unable to get back into my account for several days until XX/XX/2023. Somebody logged into XXXX, XXXX, and XXXX, with my email after they unlawfully took over my email. During this time, XXXX XXXX XXXX and XXXX we're all compromised. Fortunately, I was able to file the complaint with XXXX and XXXX to recover those funds, and XXXX is the only one I have had issues with regarding my dispute. 

On XX/XX/2023 I reported this issue with Axos Bank, my financial institution who closed my Bank Account without notice, after stating that they were only going to reissue me a new debit card since my account number was NOT compromised. 

In the Denial of Fraudulent activity from Axos Bank, I'm not sure how the two page document substantiates that it was a " valid transaction ''. I disputed several transactions and on the basis that I didn't dispute one ( 1 ) transaction doesn't invalidate the claim of fraud taken on that account, it means the dispute should be expanded to include that amount. Furthermore, XXXX stated that I only disputed a charge of {$300.00} which is a combination of the {$6.00} fee XXXX charged me and the {$290.00} transaction ( hence both transactions were disputed ). XXXX automatically declined several of other transactions that were attempted, so even the XXXX system flagged what was occurring as suspicious and fraudulent. 

Furthermore, XXXX stated and Axos Bank used in their determination, that 10 undisputed transactions went through despite the fact that XXXX declined, eight attempted transfers because their system detected the requests as being fraudulent. So there were only two charges which are both fraudulent. As shown on my claim, with Axos Bank and XXXX, I disputed the {$290.00} charge and the {$6.00} charge. I didn't need to dispute the eight additional charges on XXXX because their system detected it was fraudulent activity and didn't allow the transactions to go through ( hence there was nothing to dispute ). 

As you can see in the attached activity log from XXXX, The transactions clearly reflect as " failed '', and " Cancelled '' We're done by XXXX as they were reflected as fraudulent by their automated system. So clearly their system was detecting this was fraudulent, as can be shown by two examples of the charges that were failed and the reason being " The transaction was canceled for your protection ''. 

The amount of {$6.00} + {$290.00} was disputed as reflected on my claim, and I would imagine the IP address would be the same because it was the same person performing the fraudulent activity using my email account. 

How exactly can they claim I was the sender of the funds and the recipient of the funds when XXXX XXXX doesn't allow you to send money to yourself? 

Furthermore, how can the reason for the denial being that I allegedly received or am in possession of alleged merchandise? 

I was robbed and didn't receive anything, can they provide tracking if I had supposedly " received '' merchandise? 

What exactly did I receive?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Letter of Instruction to all 3 credit reporting agencies regarding errors and omissions to my personal information such as names used, addresses and employment history ... I also questioned why 30 or more years of my mostly good credit history apparently disappeared ... this was apparently credit history under my maiden name ... I included all documentation that was required ... along with a Consumer Statement with supporting documentation that I requested to be included with my credit report ( s ) ... all 3 agencies either can not read or just plain did not do their job ... none of them fixed the errors or add the omissions that I requested ... there were partial fixes ... but between the 3 agencies I had items removed and added that were completely contrary to my requests ... I am not even talking about any creditor information ... I am taking about personal information errors ... I am beyond frustrated ... I am ... excuse my language ... XXXX well XXXX off ... my credit was ruined thanks to my ex husband and now I can't get the credit reporting agencies to fix simple errors and omissions ... I am trying to find a place to live after being homeless for over a year and I am XXXX years old and XXXX ... I live on XXXX but I finally received my XXXX XXXX XXXX  in the county in which I live after waiting almost 4 years to get it ... I spent a nice chunk of change printing and copying everything and then paid to send it all 2-day priority mail ( that was another nitemare cuz nothing was delivered on time but the USPS only guarantees XXXX  XXXX  but failed to inform me of that ... even tho I told them I needed everything delivered asap ... and paid for a signature on delivery ) anywho ... I have no idea where to go from here ... I bent over backwards trying to get what I could corrected to absolutely no avail ... on top of that ... I am supposed to be able to view my free credit reports from all 3 credit reporting agencies ... online ... weekly ... XXXX  says I can only " refresh '' my report every 30 days and XXXX  does not have online viewing ... they expect you to print and complete out a form and then mail the form and a bunch of stuff to them ... I just freaking did all that ... something seriously needs to be done about these agencies ... they hold way too much power and are not being held accountable for the accuracy or inaccuracies in their reports ... I would also like to know who to contact or how to go about requesting that divorce decrees be included and be honored by the credit reporting agencies ... my ex husband is legally responsible for about 95 % or more of the bad debt items included in my reports ... but all I can do is write up a Consumer Statement only to have all 3 of them completely ignore it ... in the meantime I am stressed completely out because I am freaked out that I wont find a decent place to live because of my poor and very risky credit score ... I am at my wits end ... please HELP
Product: Credit reporting or other personal consumer reports

I contact the credit bureau and tried to remove this fraudulent account XXXX XXXX XXXX / XXXX XXXX I am writing to formally dispute a fraudulent account that is being reported on my credit report. This account, which I have reason to believe was opened without my consent or knowledge, is inaccurately reflecting on my credit report, and I believe this constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

I have already filed reports with the Federal Trade Commission ( FTC ) and the local law enforcement, and the fraudulent nature of this account has been thoroughly documented. Despite this, the inaccurate information continues to be reported on my credit file, which is unlawful under the FCRA. 

In accordance with the FCRA, I request that you immediately investigate this matter, remove the fraudulent account from my credit report, and send me written confirmation of the results. Please also ensure that the appropriate updates are made to prevent further negative impact on my credit score.

Should you fail to resolve this matter promptly, I will be forced to consider legal options, including reporting the ongoing violation to the Consumer Financial Protection Bureau ( CFPB ) and pursuing further legal action. 

I appreciate your immediate attention to this matter, and I look forward to your prompt response confirming the removal of the fraudulent account.
Product: Student loan

In XXXX of XXXX, the US Dept. of Education recalled my federal student loans with XXXX XXXX and gave it to Coast Professional to manage. I was never notified of the change because Coast Professional incorrectly updated my contact information upon the transfer. Since XXXX XXXX is not able to provide payment information to Coast Professional, the payments stopped coming out of my account. Communications regarding the missed payments from Coast Professional went to the new address that they incorrectly updated and have now put my account in a default status. The only reason I found out about any of this is because the HR department at my work informed me of the upcoming garnishment to my next paycheck. When I contacted Coast Professional, the representative admitted that they had received undelivered statuses on the missed payment and garnishment notifications and told me it was my job to keep up to date contact information with the US Department of Education. When I contacted the US Department of Education, their records show that I updated my address in XX/XX/XXXX and that Coast Professional had since changed it on XX/XX/XXXX to an address I had not lived at for over three years. Due to Coast Service 's clerical error, I was told I would see an increase in my monthly payments on top of the garnishment. When I explained the situation to the US Department of Education, they were dismissive and said that all I can do is file a request for hearing ; the hearing process can take up to 60 days. Prior to the hearing, the garnishments and increased monthly payments ( which would more than triple my current payments ) would be owed. I told Coast Professional I was willing to pay for all missed monthly payments immediately if the default status is removed, the garnishments stopped, and the monthly payments returned to the prior amount. Per the US Department of Education, I have the right to a 30 day notice with regards to the garnishment, the nature and amount of debt, the opportunity to inspect and copy records relating to the debt, the right to object to the garnishment and the options to avoid garnishment by voluntary repayment. I was not afforded any of these due to Coast Professional 's clerical error. Coast Professional told me there was nothing I could do about the garnishment and they were not receptive to my proposed solution. Additionally, the representative from Coast Professional told me one option I had was to pay off the loan in full or settle for an amount less than was owed ; settling would negatively impact my credit score for a long time. The amount of the loan due and savings on the settlement were misquoted by more than 10 % of the balance on the loans. I have consulted with an  attorney and they have informed me that the cost of the pursuing legal action would outweigh any financial benefit I would realize. I cant help but feel like the address change was intentional and a tactic they use to collect additional money from people in situations like mine because they know there are minimal chances for repercussions.
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 36 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The addresses that are listed do not belong to me. I have never lived at any of these addresses that are posted on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit line from XXXX  XXXX has been reported as upgraded or deleted on or from my credit report on XX/XX/2020 and I had a credit score decrease because of that. The credit Tradeline from XXXX  XXXX was never mine so now that they have removed or updated the Tradeline, I am asking that the XXXX  XXXX hard inquiry on my credit report be removed from my credit profile.
Product: Checking or savings account

I need these people to reverse these charges. I called and explained and they did nothing but a letter saying talk to the merchant as if I made the charges. I can't talk to the merchant I have no idea who they are. I'm sure they are flippently breaking the law so can you force them? My id was used to but probably it was the airbnb who made this happen. 

XX/XX/XXXX - {$1000.00} XX/XX/XXXX- {$200.00} XX/XX/XXXX- {$1000.00} XX/XX/XXXX- {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, AP XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXXXXXX Balance : {$4000.00}.
Product: Mortgage

On XX/XX/2021, HomeBridge Financial made a payment of {$980.00} from my escrow account to the incorrect insurance company. HomeBridge made the incorrect payment to XXXX XXXX XXXX XXXX XXXX. HomeBridge recognized the error in XX/XX/2021 and made payment of {$980.00} to the correct insurance company ( XXXX XXXX ). I have contacted HomeBridge over 10 times requesting the XX/XX/2021 payment be refunded. In XXXX of XXXX, a manager for HomeBridge verbally agreed to refund my escrow. In XXXX of XXXX, my loan was sold to XXXX. Since my loan was sold, HomeBridge as refused to provide me a refund for their error.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX spoke to a representative from XXXX to confirm that a Bankruptcy XXXX that was reporting my credit report has been removed from their data base. They said that XX/XX/24 # XXXX was removed from XXXX and # XXXX was removed from Experian. These bureaus are still reporting a Bankruptcy!! This is a FCRA violation and must be removed.
Product: Credit reporting or other personal consumer reports

I have disputed a XXXX thats been reporting on my report for several years!!! This is the only credit bureau reporting incorrect information. This is ruining my life. I have requested to have it removed several times