23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My entire unemployment compensation was hacked by someone and I filed a claim and XXXX XXXX XXXX denied it saying I activated my card because of my credentials well I never used any account with XXXX XXXX XXXX so I don't know how I have credenitals with them. However there were a few people residing in the same place where I was staying who were paid to help me with various jobs and I believe one of those people possibly was doing this all right under my nose and XXXX XXXX XXXX denied my claim!
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had a judgment on my credit report with XXXX XXXX which was paid off in 2014 through a garnishment on my husbands paycheck. Having this on my credit reports is preventing me from obtaining a mortgage and moving on with my life. Also none of the amounts of the judgments on any of XXXX reporting agencies is the same! I want it removed from all XXXX reports please
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$140.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  sent me a letter dated XX/XX/XXXX, advising they agreed to remove the remark. XXXX advised me to give the Credit Bureaus 30 days to remove. Thinking I'd received the letter in XXXX, I filed a dispute with Experian XX/XX/XXXX because the late payment was still showing. On XX/XX/XXXX. Experian sent me an update on the dispute advising XXXX reported the information as accurate. I didn't worry because by then I realized I got ahead of myself and I hadn't waited 30 days as advised by XXXX. What I'm filing this claim for is because On the very same day the dispute was updated, Experian also decreased my score by 41 points!!! I was advised by Experian that it was because of the late payment. The late payment was from XXXX of XXXX, so I'd already been hit. They said if I had an issue with the decrease I had to contact FICO because they are the ones who reported the decrease to them. I was not successful at contacting FICO.
Product: Credit card

Declined XXXX, previously paid to merchant for several transactions, now determined as a Potential RISK of XXXX. I contacted XXXX XXXX to confirm the payment was legitimate. The payment was still declined and not honord.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX ( US BANK ) reported hard inquiries to my credit report without my consent. I have contacted the creditor with no success of removal
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 my account for XXXX XXXX XXXX XXXX  account # XXXX was removed from my XXXX credit report and in accordance with fcra information should be the same across all accounts and verifiable so this account should be removed from XXXX XXXX and experience as well
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Car loan with Hyuandai Motor finance was paid in full on XX/XX/XXXX and it does not reflect as being paid off for the the last three years. It does not reflect as being paid off on my XXXX credit report and effected me gaining access to credit and approvals.As of todays date XX/XX/XXXX its still reflecting negatively on my XXXX credit reports
Product: Money transfers

XX/XX/2017 I friend of mine send money order through Wester Union ( WU ) With the tracking number XXXX. XX/XX/2017 I picked up the money for a total amount for {$1900.00} at one WU agent store in XXXX, CA. They did n't give me cash as they usually do, Instead they gave me XXXX checks XXXX for XXXX other for {$930.00}. So I took those checks and deposited them in my Bank Account. Next day XX/XX/XXXX, I received a call from my bank to let me know the checks bounced. Since then I 've been looking for an answer about what happened with WU and made more than 12 phone calls to their customer service line. They keep telling me is an Agent problem. I went 2 times back to the Agent Store they call to their Agent Service Line with WU and after a long wait both times, same story, they said the problem is with Western Union. As you can see I 've been running in circles with this XXXX institutions NO ONE TAKES OWNERSHIP of the issue and give me a concrete solution, they just said that I have to wait, But I ca n't just sit back and do nothing. I filed a complaint in Western Union complaint service with the case num XXXX no answer on their end. There are many wrongdoings in this case, I feel ripped-off. in the First, I went to a Western Union " Authorized Agent '' and they gave me BAD CHECKS why? Second, After so many emphasis Nor Wester Union Neither the Agent take ownership they keep bouncing the ball between them. Third I paid for an express service {$60.00} dlls fee, cause I needed they money urgently and Is time that I do n't have my money back yet. Even though the sender pay in cash and fulfill all Western Union policies last but not least, Wester Union and its agents may decline to accept or pay money transfer that either of them determines violates any applicable law or policy, But in this case they accepted the money and more over they paid it, What means everything was okey and according their policies and laws. So why I have to deal with not funds Check? This is a rip-off!!! 
Resume International Money Transfer in compliant with all Western Union Policies and Laws Amount {$1900.00} Dlls Problem : Bounced Check By on of Western Union Authorized Agent Money Origin XXXX Dated XX/XX/2017 Money Pick Up XXXX, CA Dated XX/XX/2017
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I closed a XXXX with XXXX XXXX. They issued a check directly to my bank, account number is XXXX, XXXX XXXX in the amount of {$900.00}. The check was mailed out on XX/XX/XXXX  and is showing cleared on XX/XX/23. It was never received by XXXX. This check was deposited to State Street Bank And Trust routing number XXXX. My best guess is the check was stolen from the mail and fraudulently deposited. 

I submitted a CFPB complaint about this and received a response from XXXX XXXX that the check was deposited to an account in my name. I call the number given and they were unable to locate an account that has received this check. Please provide me with information to help them locate the account so I can get my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries removed or deleted from my XXXX file that are duplicates on my Equifax and XXXX credit files. They include XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I have received a notice from XXXX stating that these were indeed deleted. So I 'm writing a complaint that I contacted Equifax and XXXX to see if I could request a removal of said inquiries to no avail.
Product: Checking or savings account

Problem : Unauthorized party cashed a check. I initiated a fraud claim with Bank of America. It has been XXXX XXXX and they have not resolved the claim. Our landlord is demanding payment. 

Bank of America XXXX bill pay generated a paper rent check to our landlord for XXXX XXXX. 

Check : # XXXX Amount : {$4800.00} Intended recipient : XXXX XXXX  XXXX XXXX The check was misdelivered by XXXX to an unauthorized recipient, who then went on to cash the check. The endorsement on the back of the check states " XXXX XXXX XXXX XXXX. '' We believe this may have been misdelivered to a XXXX XXXX XXXX  office down the road from the landlord 's office. 

XX/XX/2022 : XXXX emailed us stating XXXX rent was not received. However, the check was cashed. I downloaded the check image, and the endorsement is XXXX XXXX XXXX XXXX. It seems that the mail was misdelivered to the XXXX near our landlord 's office in XXXX, and the government ( XXXX XXXX cashed the check fraudulently. 

XX/XX/2022 : I initiated a Bank of America fraud claim, submitting all required notarized documentation along with a detailed cover letter explaining all of the above. 

XX/XX/2022 : I received a letter from BofA stating the claim was denied. They stated the reason was that the autopay was initiated by the IP address it's normally initiated from ( my computer ). 

XX/XX/2022 : My XXXX  called the XXXX number on the denial letter, spent XXXX XXXX on hold, and was finally able to speak to someone. The representative informed her that the claim reviewer misunderstood the grounds of the claim. They thought we filed the claim because someone fraudulently authorized payment. This is not the case. I authorized billpay, the payment was misdelivered via XXXX, and an unintended recipient ( possibly XXXX ) fraudulently cashed the check. 

It should be noted that I outlined this exact scenario on the cover letter I sent with the claim. 

Bank of America 's claim reviewer seems to have completely disregarded the cover letter. 

They then informed us we would have to open a new claim, having all documents notarized again, and go through the whole process again. My XXXX  pushed back and was able to get them to re-open the existing claim without having to resend everything. 

XX/XX/2022 : Received email from landlord stating that payment for above is due by XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

The company increased my contract interest rate after they had reduced the rate. The loan was offered as interest only when I requested principal and interest payments. The loan has been repaid 3 times over in interest payments. Now the company is harassing me and harassing family and friends after I have repeatedly asked them according to the fair debt collection act to not contact family and friends and harass them. I have asked them to stop harassing me and that this loan was paid back in interest 3 times over. This is usury and excessive interest.
Product: Credit reporting or other personal consumer reports

Under the Gramm Leach Bliley Act I have the right to opt-out of getting my non-public information shared with non- affiliated party. XXXX, Transunion and XXXX are non-affiliated XXXX  parties. XXXX and XXXX have violated my rights by sharing my personal information along with inaccuracies by Transunion, XXXX and XXXX are not affiliated with any financial institutions. They have violated my rights with not providing me with an opt-out disclosure. As a consumer I have a right to privacy and also I have a right to opt-out of getting my non-public information shared with XXXX  parties. I have disputed these claims from all XXXX  bureaus with a certified letter and XXXX has sent it back as being verified. However, has not provided any information on who it was verified with despite alleged debt being inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Fair Credit Reporting Act 15 U.S.C 1681 15 U.S.C 1681 602 ( a ) ( 4 ). States I have the right to privacy.

Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 604 ( a ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions. 
In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

The following accounts are infringing on my rights. 

XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a cashier 's check for {$50000.00} was issued to me to close a CD account at Chase Bank and open a new one with XXXX XXXX XXXX ( XXXX ), located XXXX XXXX XXXX from Chase in XXXX XXXX. I opened my new retirement account and didn't think much of it. Three years later, I called XXXX to check on the account, but they had no record of it. I contacted the financial advisor who helped me open the account at XXXX, and he informed me that the check never cleared and didn't go through. I asked why I was never notified or called, and he explained that they had sent a letter, but since I wasn't an active customer in their system there might have been a problem with the generated letter. 

I reached out to Chase about the missing money, but they couldn't find any information regarding the transaction since it had been over three years. They requested that I provide the check for their assistance, which was impossible because XXXX had voided and destroyed it. I asked them for other options, and they inquired if I had a check number. After several years of speaking with the bank and sifting through paperwork, I located the check stub. Chase confirmed that the check was indeed never cashed. 

At this point, I assumed that the issue would be resolved, and they would refund me. they never sent the money and the check was never cashed out, so they still have the funds. However, the check was voided in XXXX, seven years after the issue date, and was never cashed out. I brought this matter to different departments at Chase for three months, and finally reached their internal escalated complaints department. I then questioned why the funds were not sent to the state treasury for claiming, and when I contacted the head office in Ohio for Chase Bank, where all checks pass before being sent to the state, they stated that they had no record of receiving or processing that check or the funds. Unfortunately, they only informed me that they couldn't refund me and that " it's a complicated matter, '' without providing any further explanation or info and are closing the matter. 
I never felt so frustrated for something that seems so simple to correct
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX I AM A VICTIM OF FRAUD IVE REACHED OUT TO THE CREDITORS AND INFORMED THEM THAT THESE ACCOUNTS WERE OBTAINED FRAUDULENTLY. 


LIST OF FRAUDULENT ACCOUNTS 1 ) SANTANDER CONSUMER USA 2 ) XXXX
Product: Debt collection

XXXX XXXX XXXX " located on XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX WA XXXX '' alter the documents and forge it in order to get money from victims like me, they bought rental contract from " XXXX XXXX XXXX '' for place which I already left on mid of XX/XX/XXXX after I left early notice of leave, and trying falsely claim about {$9000.00} for many items include carpet replacement, early termination fees etc. this place I left on XX/XX/XXXX and they sated falsely I was evicted on XX/XX/XXXX. they forge the contract and removed name and sign of responsible party in contract which is one who was responsible for contract. This company should subject to Federal investigation due to forgery practice.
Product: Debt collection

Get calls multiple times every day. Started on XX/XX/2020. They never once left a voicemail. I answered once ( XX/XX/2020 ) ... they said it was " state collection service ''. I told them I would make payments when I'm able to. They have no respect at all. Still continues to call me multiple times a day. This is harassment and needs to stop!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the DELETION of the accounts listed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, World Finance has violated my rights. 

15 U.S.C.1681 Sect 602 A States I have the right to privacy.

15 U.S.C. 1681 Sect 604 A section 2 States it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

while i was XXXX someone used my identity to do fraudulent activities i have disputed multiple times no result this is last chance delete account or i will sue you and take legal action for failure to not do a proper investigation.
Product: Credit reporting or other personal consumer reports

I have inaccurate information still reporting on my credit account inaccurate names and addresses I would like these removed immediately and deleted. 
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX Ohio XXXX. 

This is the only information that should report it on any of my credit accounts XXXX, Equifax, XXXX.
Product: Credit reporting or other personal consumer reports

Information on my credit report that is incorrect & needs to be removed immediately Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Phone number : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX XXXX XX/XX/24 XXXX, XXXX, Equifax Subject : Dispute of Late Payment Report Request for Correction Dear Sir/Madam, I am writing to formally dispute the accuracy of a late payment entry on my credit report. The specific entry in question is under the account [ Account Name # XXXX ], reported by [ XXXX XXXX  XXXX. According to my records, the information is incorrect, and I am requesting an immediate correction. 

**Legal Basis for Dispute : ** 1. **15 USC 1681 ( a ) ( 1 ) ** : This section mandates that credit reporting agencies ensure the accuracy and fairness of the information contained in consumer reports. The erroneous late payment entry on my report is neither accurate nor fair. 

2. **15 USC 1681 ( a ) ( 2 ) ** : This section emphasizes the need for the reporting system to be fair and equitable XXXX Reporting an incorrect late payment undermines the fairness and equity intended by this law. 

3. **15 USC 1681 ( a ) ( 3 ) ** : It is required that consumer credit reports are to be used in a manner that is appropriate and just. An incorrect late payment mark is an inappropriate and unjust use of my credit information. 

4. **15 USC 1681 ( a ) ( 4 ) ** : The section outlines the importance of maintaining the confidentiality, accuracy, relevancy, and proper utilization of credit information. The current late payment entry fails to meet these standards, particularly in terms of accuracy and relevancy. 

5. **15 USC 1681 a ( d ) ( 2 ) ( A ) ** : This provision excludes certain types of consumer information from being reported if they do not meet the criteria for accuracy and completeness. Given that the reported late payment is inaccurate, it should be excluded from my report. 

6. **15 USC 1681 a ( d ) ( 2 ) ( A ) ( iii ) ** : The code specifies that information must be reported with maximum possible accuracy. As this late payment entry is erroneous, it fails to meet this criterion and must be corrected. 

**Requested Action : ** In light of these regulations, I request that [ XXXX, XXXX XXXX Equifax ] investigate and correct this error promptly. I have attached relevant documentation ( e.g., payment receipts, correspondence with the creditor ) to support my claim. 

Please provide written confirmation of your receipt of this letter and an update on the status of my dispute within the time frame mandated by the Fair Credit Reporting Act. 

Thank you for your immediate attention to this matter. Should you require further information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX
Product: Debt collection

Listed below are the dates and accounts of these unverified-unauthorized accounts. XXXX XXXX XXXX : Transunion XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Transunion XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  : Transunion XXXX, XXXX XXXX. XXXX : XXXX XXXX, Transunion XXXX, XXXX XXXX. I was not notified about these accounts being brought by a debt collector, and I requested debt validation from all of the parties involved asking for signature showing proof that I guaranteed payment to this debt collector, I asked for a detailed list showing I made payments on this account, and proof of chain of title you have to collect on this debt.