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

I sent a dispute letter to the Credit Bureau on XX/XX/year> via regular mail. The credit reporting agency has failed to acknowledge, remove and block the fraudulent information appearing on my credit reports. The credit reporting agency also has failed to provide me with any correspondence, updates, or notify me of any changes and corrections made to my report. The credit Bureau has also failed to provide me with an accurate and valid credit report. The credit Bureau was sent the following information on XXXX, XXXX : credit dispute letter that included each fraudulent account and inquiry, police report, identity theft report, state attorney 's identity theft affidavit, FCRA section 605b, social security card, drivers license, and my birth certificate. After providing this information to the credit bureau they failed to delete and block the fraudulent accounts within four business days from the receipt of notice. The fraudulent accounts are still appearing on my credit report as such : XXXX XXXX XXXX {$130.00}, XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX XXXX XXXX {$14000.00}, XXXX XXXX XXXX XXXX {$8200.00}, US Dept XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX {$900.00}, XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$270.00}, XXXX. XXXX $ XXXX accounts are fraudulent and were not opened by me nor did I provide them with authorization or consent to use my information, and I also did not enter or sign into any contracts, or agreements with these creditors. The fraudulent accounts should be removed and prohibited from reporting on my credit as pursuant to section 605B which states that fraudulent information is required to be blocked and removed within four business days after the receipt of all evidence provided in which the credit reporting agency has failed to do. By failing to remove and block fraudulent accounts from my credit report within four business days of the receipt of notice of each of the fraudulent accounts, the police report, identity theft report, identity theft affidavit, section 605B of FCRA, proof of identity, and credit dispute letter. The credit Bureau is in complete violation of my rights by not complying and being completely negligent by not taking any actions to correct fraudulent accounts as required by FCRA law. The credit bureau has also been negligent in providing correct and accurate credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see I 'm amazed that this behavior is tolerated and shunted aside. Someone needs to seriously look into this. Please see enclosed documents that were provided initially ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT XXXX XXXX XXXX XXXX US XXXX XXXX XXXX XXXX DEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT XXXX XXXX XXXX DEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$63.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$170.00} XXXX CITY OF XXXX XXXX XXXX/XXXX/XXXX {$200.00} XXXX XXXX XXXX XXXX/XXXX/XXXX {$100.00}
Product: Credit reporting or other personal consumer reports

hello my name is XXXX XXXX XXXX these inquires were not consent by me. Please remove it immediately. Thank you
Product: Mortgage

I have already filed one complaint with CFPB and it was closed with out resolution by this company. they are now REFUSING TO PAY THE TAXES WITH MONEY IN MY ESCROW, due to the fact I paid them to prevent my wages from being garnished. This is beyond deplorable behavior for a mortgage company to take advantage of a consumer this way!!! They need to pay the taxes on the parcel second piece of property asap!! i will be contacting an attorney tomorrow by noon if this has not been addressed with an appropriate response. I consider it to be theft and will pursue until paid.
Product: Checking or savings account

On XX/XX/XXXX, I went into my checking account and it didnt look good at all as I looked at it. So I called the bank and asked for the Fraud Dept. At that time the lady went over it with me and said that there was a check put in there, I said what check cause I dont use checks. Only thing that goes in my account is deposit or I put cash in there. I think this was the second time that fraud had to deal with my account. This time it was bad. the lady was rude and told me not to call again. Then I hung up and called back and talked to a supervisor. I knew it was going they were going to give me a hard time. First they blocked my account and closed. Now my retirement check from Dept of Treasury was coming on XX/XX/XXXX and that my account being closed they were suppose to return the check to the Dept of Treasury, no the didnt they keep it. I called all week long, the Citibank and the US Treasury Dept. Citibank said they returned it and Dept of Treasury said they havent received it. On XX/XX/XXXX I called Citibank and asked was my check there and FINALLY they told me the truth it had been sitting there all week the lady said. Citibank has had my check since then. my check was {$1800.00} and I called yesterday it is now {$1200.00} because of bills?? What bills $ $ $ $ I have small bills like XXXX and things like that I dont have big bills running through the bank, I pay by phone. So on the XXXX I asked for copies of everything that they call themself paying because Citibank is a bank full of lies and jokes and they have cost me for my bills to be late and unpayed. So now 60 days is up on the XX/XX/XXXX and they are working on geting it close and i have to wait another 10 days to get my check.. WRONG ANSWER. By the Government rules you have 15 days to return a government check and Citibank has not done that. and still have had my check for 55 days and I have suffer for 55 days without meds and food and gas for my car that I might lose because of them. I am not finish by far with this my next stop is the Attorney General office.
Product: Debt collection

Credit cards were issued to someone other than myself illegally and the company is refusing to mark it as fraud and insists on collecting the debt from me that I have no knowledge of
Product: Money transfer, virtual currency, or money service

As of XX/XX/XXXX my account was locked once again because of square cash false accusations of suspicious activity a friend of mine was sending money she owed and me and cash app rejected my funds and locked my account for no reason at all I will seek legal help if this problem persists in the future
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Someone used my personal information to open accounts, credit cards, and make unauthorized purchases in my name. I discovered this when I received bills and collection notices for accounts that I did not open or authorize. This has caused me a lot of stress and XXXX, and has damaged my credit score. I have reported this to the Federal Trade Commission ( FTC ), and I have requested copies of the fraudulent records from the companies where the fraud occurred. I am working hard to restore my identity and clear my name.
Product: Credit card

in regards to midland funding having not yet removed this time barred debt that has more than exceeded the time statute to legally collect from XXXX credit bureau. I contacted midland funding a month or so ago in regards to this time barred debt and they removed it from my XXXX & XXXX credit report but THIS DEBT still remains only on my XXXX credit report. Midland funding already did so with the other XXXX credit bureaus ( XXXX & XXXX ) so they must have forgotten to do the same with XXXX. This time barred debt that has more than exceeded the statue of limitations MUST BE REMOVED IMMEDIATELY
Product: Debt collection

The car was a lemon When it was first brought they would not let my mother return the car. After a month the check engine light came on the car starter altnator and kept running hot after fixing the car numourus times. PFS than said to Voluntarily Deposed it. That 's the only way they will sell it back .The car was than sold in a auction but bc of it bring a lemon it could not get the full amount on it which was never my fault
Product: Credit reporting or other personal consumer reports

XXXX5USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Debt collection

Calls every night after XXXX with the same automatic recording about debt collection that I dont owe. Ive blocked multiple numbers and they just keep calling from a different number. 

I dont owe any consumer credit debt and have an excellent credit score. It is obviously a scam and Im tired of the daily harassment. 

One time I called one of the numbers back and it didnt even go to a professional agent - just some guy picked up and kept asking for XXXX XXXX XXXX  They obviously think Im someone else and trying to scam them.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. Transunion credit bureau is reporting information on my credit report that is false. I have proof that these are false. The 3 major bureaus are all report different information on the listed accounts. I have tried to get Transunion, online, to request information and original documents from the companies and I have not received anything. They just say " Its verified '' but do not provide lawful proof. I have sent requested letter certified and still get the same response. I want proof that the companies that are reporting information about me to Transunion are actual document holders with my signature and that all information reported is accurate and correct. If they can not provide proof then it could be just anyone saying anything they want about me with vindictive motives and that information needs to be removed immediately. 1st time asking for information was online on XXXX 2nd time requesting information was online on XXXX 3rd time was via certified mail on XXXX. They still have not provided any proof except to say " Accounts Verified as Accurate ''. This is keeping me from acquiring future credit at reasonable rates. 
The accounts are listed in the letters I am attaching along with proof of being sent certified mail.
Product: Debt collection

I received a debit from Southern Management, I called and spoke to them stating I never gave permission to use my financial information to be used for this debit and to please stop calling my cell number. They are rude on the phone when trying to explain to them and they will not stop calling me. I have already disputed this on my credit report and it has been removed by XXXX. I have also filed a complaint with XXXX as well. These folks need to know that they just can not harass people in this manner. Thank you
Product: Credit reporting or other personal consumer reports

I just received a copy of my consumer report and I noticed that the items I previously disputed are still showing. I have already provided an Identity theft report to support my claim that these companies have committed fraud by stealing my non public information and reporting it without my written consent. According to 15 USC 1681i you are required to investigate these items. You stated that the data furnishers have verified the accounts belong to me, but how did they prove that. What document they provided? what evidence will you have to defend your company in federal court for violating my rights. I want you to understand that I am in the process of buying a home for my family and these accounts are causing extreme damage to my creditworthiness. Once again here are the fraudulent accounts:XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX  account ( # XXXX ) XXXX account # XXXX XXXX XXXX XXXX account # XXXX None of these accounts belong to me. I have never entered into a consumer credit transaction with these companies.
Product: Money transfer, virtual currency, or money service

Xoom, a XXXX XXXX Repeated issues with them. I send money to the same people all the time. I added a new person this week and now they suddenly want my W-2 or a copy of my taxes for proof of funds AFTER I already sent them a copy of my bank statement, with my account number marked out of course. I have been doing business with them for three years and every time, I have met all of their compliance regulations. Finally, this is out of hand. There is limited customer service, no where to escalate issues within Xoom or XXXX and they handle millions of dollars every day and stay sheltered. Yesterday, I held for the Xoom compliance department for 5+ hours on the phone and was disconnected by them before ever speaking to a Live Person. Unacceptable. An agency must step in and help us, the customer, with this company. I have a large log of calls and emails with this company. Their customer service is based in XXXX and besides being difficult to understand, they have zero authority to handle issues. They are reading from a script and if the script don't fit, the customer is the one that loses. They refuse to escalate and nowhere on the Xoom.com or XXXX website does it allow you to file corporate complaints. 
They also tell you that you have " sending '' limits, but nowhere on their website can you find your personal limits, or if you are a level 1, 2, or 3, yet they will use that against you if it fits their " script ''. As a money service responsible for millions of dollars in transactions per day, the consumer deserves more control over their account. I hold my breath with every transaction I send, knowing I have not done anything wrong, but wondering what they might try to find wrong with it. It's almost like they arrest you for speeding, but never post a speed limit sign or tell you what the speed limit is. Please help us, the consumer.
Product: Credit reporting

Home foreclosed upon in XX/XX/XXXX. Settlement received for improper foreclosure in XX/XX/XXXX Credit report not reflecting improper foreclosure.
Product: Checking or savings account

On XX/XX/2020, I authorized a purchase of an e-learning course by XXXX. The company did not uphold its terms and agreements after my purchase. I was not delivered the material I purchased. Naturally, I canceled my course ; and disputed my purchase with Wells Fargo. Wells Fargo credited my account {$590.00} for my purchase on XX/XX/2020. Two months later, on XX/XX/2020, Wells Fargo denied my claim and took back their credit without notification. Upon filing my claim, Wells Fargo would not accept documentation proving fraud. They also wouldn't reopen my claim ( despite proof ). This is negligent. 

I have no way of contacting the merchant, as they've stopped responding to emails. As {$590.00} may be a small amount to some, the fraudulent activity has had a negative impact on my life. I'm coping with this fallout while experiencing an impact from XXXX. My account is severely overdrawn and is being penalized for being overdrawn. 

Wells Fargo should not have credited my account with {$590.00} if the claim wasn't won. This is irresponsible to say the least. Let alone, they didn't update me on my claim as the process continued. Wells Fargo made it appear as if my claim was won back in XXXX. I had no idea the claim was still open.
Product: Checking or savings account

I was shopping for XXXX quotes and ended up choosing XXXX XXXX, paying {$1400.00} on XX/XX/XXXX. Later that day, the XXXX called to inform me that they couldn't write a policy because of my location. I agreed, and the XXXX assured me that the refund would be processed. Indeed, the {$1400.00} was refunded to my card on XX/XX/XXXX. 

On XX/XX/XXXX, the agent contacted me to inquire about the situation. I explained what his XXXX had told me, and he tried to sell me additional policies that were outside my original request, which I declined. On XX/XX/XXXX, my card was charged {$1400.00}. When I called and spoke to the XXXX, he apologized and assured me a refund would be issued, but it never arrived. 

The agent, without my consent, wrote a policy in a state where I am not licensed. CashApp denied my claim within XXXX hours of the investigation stating that I waited to long but couldn't file a dispute because the charge stay pending almost a month
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I had called XXXX to speak with a supervisor about the inaccuracies and every representative hung up on me after they told me to hold on for a supervisor. On XX/XX/year>, at XXXX XXXX, I sent a certified letter to XXXX asking for documentation on the inaccuracy of my credit report. I demanded that the accounts be verified or deleted immediately and they refused to do so. I had recently pulled my credit report and saw that things were being reported inaccurately. I did not provide written consent or instructions for the identified transactions to be reported on my consumer report. They have also reported negatively on my credit report while these documents were suppose to be verified or deleted. An account that was specifically in question was XXXX, which was the account that I sent separate documentation to as well, asking the same things. They had failed to provide to me as well in the XXXX  day time frame that I had sent documentation. ( sent paperwork XX/XX/year> at XXXX XXXX. ) XX/XX/year>, XXXX, excuse me if I spelled it wrong, XXXX XXXX, called and said that she was someone on a business matter calling, and stated that {$3400.00} was due and in collections. ( XXXX ). To my knowledge, nothing was suppose to be in collections and they harassed me prior to this with threatening phone calls, as I have stated in last claim. XX/XX/year>, I spoke with a representative who told me I owed an amount. I asked her if I could get a copy stating what I owe or the contract but she advised me that she didn't have that info and gave me a number to call and hung up on me. I can't owe a debt to something/someone who doesn't have that information. I have also sent violation letters about them not having the written consent to report and sending letters to my home. This has violated me and has hurt my report tremendously. XXXX is in violation of 15 US Code 1681b, 15 US Code 1692d, 15 US Code 1692e, 15 US Code 1692f, 15 US Code 1692g, 15 US Code 1692j. am seeking {$1000.00} for each violation, as allowed under 15 US Code 1692k- civil liability, for the damage caused to my character. XXXX  has also violated those same codes along with 15 US Code 1692 ( f ) ( 8 ), 15 US Code 1692 ( d ) ( 2 ), 15 US Code 1692 ( e ) ( 2 ) ( A ), 15 US Code 1692 ( f ) ( 7 ), 15 US Code 1692 ( f ) ( 6 ) ( a ), and violation of 15 US Code 1692 ( f ) ( 6 ) ( b ). XXXX  has sent to different letters to me with different addresses stating and amount owed. I have also sent letters to them about this as well. I had received an email from CFPB stating that more time was needed for a response back but XXXX and XXXX have reported on the account in that time frame.
Product: Checking or savings account

I received a bank account statement from chase bank with around 300 transactions from dates XX/XX/XXXX to XX/XX/XXXX. Started with a deposit of XXXX cents then XXXX cents, XXXX, XXXX, ..down to XXXX cents. It was for google payments through XXXX. On XX/XX/XXXX XXXX XXXX, XXXX withdrew XXXX dollars. I dont remember having a chase account and didnt make any transactions with google or XXXX. Then I got a letter from XXXX telling me Ive had my identity stolen.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 OneMain Financial baited me into applying for a personal loan under the guise that the loan would be unsecured by telling me I was preapproved for XXXX separate unsecured loans. After I submitted my application they they switched the terms of the loan by changing it from an unsecured loan to a secured loan. They are now asking me to put up collateral even though they baited me into applying to an unsecured loan. 

This is illegal, loan companies CAN NOT bait consumers into applying for loans and then switch the terms of the loan once the consumer takes the bait. I am demanding this company delete the hard inquiry they just put on my credit reports. I did not authorize them to pull my credit for the secured loan. Failure to delete the hard inquiry from my credit report for a loan I never intended to apply for will result in me taking legal action against this company for their illegal bait and switch practices.
Product: Credit card or prepaid card

Edd unemployment benifits transfer to BOA from XX/XX/XXXX allegedly frozen pending XXXX and Edd identity intergrity verification. Edd Ca released UI benefits for BOA debit card ending XXXX on or about XX/XX/XXXX and again about XX/XX/XXXX, as verified by XXXX, Administrative Hearing Judge, and EDD level 2 for conditional hardship payment..BOA refused to send replacement card, and alleged EDD never forward release of UI payments. I filed 3 complaints with BOA investigation department from XX/XX/XXXX tthrough XX/XX/XXXX. For 14 months of missing Edd UI regular and sick pay and employer all ( 3 ) eligibility determination by EDD. But never received Ui regular unemployment from BOA, ... which created inability to file and certify for ongoing eligibility claim. I received notice from EDD that Debit card would be forwarded from BOA. Boa forwarded Edd debit card ending XXXX that was misplaced during BOA prolonged freezing of account.