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

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. This account does not belong to me please remove 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
Product: Student loan

I have already filed a complaint against younomics with CFPB where I have stated that I am disputing the loan amount and the interest charged. Complaint Number : XXXX. However, younomics ' agent/affiliate University Accounting Services went ahead and reported to the credit bureaus that I was behind payments. As a result my credit scores have fallen drastically adversely affecting my ability transfer credit card balances to 0 % APR cards and my ability to obtain new loans or advances. I spoke to someone from University Accounting Services yesterday, XXXX XXXX, 2016, to withdraw the reporting, to no avail. Instead they on their own, and without me requesting, have granted forebearance on my account from XXXX/XXXX/2016 to XXXX/XXXX/2016, but claiming that " during Forbearance, interest accrues and is capitalized at the end of the Forbearance period. '' Since I am disputing the debt itself and am complaining about the lack of response from younomics, younomics or its affiliate University Accounting Service should not adversely report to the credit bureaus and should withdraw the adverse reporting done so far.
Product: Debt collection

XXXX utilizes predatory lending practices and discloses personal and sensitive information with XXXX parties without consent. This account was sent to a collection agency/law office in XXXX, CT. I received a letter from London & London stating I had a credit card from XXXX XXXX, and owe {$5200.00}. I never consented to sharing my personal information with a XXXX party collection agency and or law office, and take this form. of communication as a threat to sue. The letter I received from London & London instructed me to call or write London & London by XX/XX/year> to file a dispute or request information, and can do both electronically. They provided XXXX emails on the letter- one for disputes, and XXXX for requests. I sent London & London a debt verification letter to both emails provided to dispute and request information as instructed on Friday, XX/XX/year>. London & London sent me a response stating " they are not in a position to respond to email requests at this time, and to not send time sensitive or correspondence to the email they provided on the letter and to call them. I do not feel comfortable conversing with this collection agency/law office. Overall, I believe XXXX XXXX is utilizing aggressive/ predatory behavior by sharing my personal information with agencies that are exhibiting reckless behavior with extremely personal information.
Product: Credit reporting or other personal consumer reports

I did not authorize consent for credit to be ran nor am my shore of this company and what it is for
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Fraudulent Account Dear [ Credit Bureau ] and XXXX XXXX  I am writing to dispute a fraudulent account on my credit report. The account [ Account XXXX XXXX ] does not belong to me, and I believe it is the result of identity theft. 

Please investigate this matter and remove the fraudulent account from my credit report IMMEDIATELY. I have attached copies of my identification and any relevant documents for your review. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I used the company Remitly to transfer money to XXXX. My last transfer was never received by the recipient but Remitly refuses to refund because their system shows the recipient received the money. Its been months of me contacting them and my bank but nothing but more frustration has come out of this. Since Remitly refused to issue a refund, I filed a dispute with my bank. After they received the dispute investigation request from my bank, Remitly then decided to permanently suspend my account for suspicious activity and not following their policies. They even had the nerve to tell me that I needed to pay them to reinstate my account with them and I was called XXXX slurs.I still havent received the {$460.00} Im owed.
Product: Credit reporting or other personal consumer reports

The account listed on the identity theft report is the result of fraudulent actions and is in violation of our rights as a consumer. Per 15 USC 1681c-2 We have attached : ( XXXX ) appropriate proof of identity of the consumer, ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer and, ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Per 15 USC 1681c-2, we are requesting the immediate and indefinite block and removal of the accounts that are listed in the identity theft report attached. Per 15 USC 1681c-2, Upon receipt of request to block the consumer reporting agencies have 4 business days to block and remove all of the accounts that are the result of identity theft.
Product: Credit card or prepaid card

In approximately XX/XX/XXXX or XX/XX/XXXX I notice unusual activated on two on my credit cards ending in # XXXX and # XXXX which are the new cards that Bank of America issued. When I notice the activated I went to my branch office and reported it. we requested that all account be closed and open new ones. they filed a fraud report and advise that I just replace the credit cards, so I did. The new cards came in about a week later with instruction on activating then, I called to activate them and they refused to do so said they were investigation the account, i replayed that they should since i reported it. I since have have had several conversation with branch office and credit card division the branch office didn't seem to understand what was going on. I ask the credit card division if they were not going to reopen the card to lower the interest rate and either combine the cards together for a lower payment since i could not use them. They replayed that I was making the payment and that they could not do that. As of the middle of XXXX the credit cards have been taken off line which is how i look after them and make payments. 
I feel that they have mishandled the case all the way around. I do not feel that I should have to pay high interest rates on accounts that I can't use. I thought I was doing right in reporting the activated on the account...
Product: Mortgage

I closed on a refinance on XX/XX/2020 and paid off my old mortgage on XX/XX/2020. I had nearly {$11000.00} in the escrow account of my old mortgage. Based on applicable government regulations, the escrow balance should be returned to the borrower within 20 calendar days of a payoff. I called my old mortgage company to confirm this ; the phone representative confirmed that I will receive an escrow refund check in the mail by XX/XX/2020. However as of XX/XX/2020 I have not received any payment.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 8058 ( 15 U.S.C. 1681c-2 ) that you, Transunion, XXXX and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent Inaccurate, and false information consists of a personal credit cards account opened at XXXX XXXX in XX/XX/XXXX under the account number, also XXXX XXXX in XX/XX/XXXX under the account number and another XXXX XXXX in XX/XX/XXXX under the account number A account was also a business line of credit opened from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX also a XXXX  XXXX XXXX credit card was opened up on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent aacounts. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or a company you represent. I did not open or authorize this account, and I, therefore, request that it be closed immediately. I also request that Pro Collect, XXXX absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized inquiry on my credit report that is hurting me tremendously, creditors can not verify the inquiry nor do they have a permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

AGAIN, Midwest keeps copying and pasting responses that have NOTHING to do with the root inquiry. I have told Midwest several times to stop adding fraud trades to my CRA files yet they keep doing it infringing on my rights covered by the FCRA. I WILL PURSUE LEGAL ACTION IS THIS IS NOT STOPPED AND THE TRADE IS NOT REMOVED. I have NEVER received any validation paperwork or phone call from Midwest in regards to this so called XXXX XXXX debt that I am entitled to review BEFORE it is put on my files. This is fraud and for your convenience, I have attached my identity theft form. REMOVE THIS TRADE ASAP!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadiquate 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 ( ETFA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I created an account with Crypto.com a few years ago and deposited {$5000.00} USD and signed up for their debit card offering. 

My account was recently locked out due to inactivity. To regain access the company shared that I need to share the last 4 digits of the phone number and ID document that I used to sign up. I provided the ID but unfortunately I no longer have a log of the phone number as it was a temporary number.

I shared this information with the company and they had me verify myself via selfie and my drivers license which I provided. 

But despite all this they are now coming back to me stating that they cant give me access to my account and funds unless I share the phone number. I repeatedly stated that I do not remember the number to which they now responded theres nothing they could do. 

Could you please assist with this case?
Product: Credit reporting or other personal consumer reports

Trafficking victim 's letter to consumer reporting agency XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report is a result of trafficking AUTO LOANS XXXX XXXXXXXX XXXX XX/XX/XXXX American XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CREDIT CARDS XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Credit First XXXX XXXX INQUIRES XXXX XXXX XX/XX/XXXX Capital XXXX VIA Dealer XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX VIA Dealer XX/XX/XXXX Capital XXXX VIA Dealer XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX Card Services XX/XX/XXXX Please block this information from my transunion credit report within four days, pursuant to section 605C of the fair credit reporting Act Please send me a notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures ; proof of identity State issued ID Trafficking Documentation A self-attestation letter that you are a victim signed or certified by a representative from a government entity, court, or authorize non governmental organization or human trafficking task force.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : " XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$200.00}, XXXX XXXX XXXX Balance : {$870.00}, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX "
Product: Debt collection

I have tried to contact XXXX XXXX XXXX but there is never person that picks up the phone. This seems highly suspect and they just keep sending me bogus bills that did not occur. I have sent a request via mail for proof of such debt they claim I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Per flagship I applied for credit with them in XXXX and was denied but in XXXX I applied and they approved me. XXXX, I wouldnt apply with the same company a month later after already being denied the month prior. They are also claiming they have no known knowledge of the contract that wouldve been the one I went into had I been approved but wasnt initially. I am not going out my way to take time off from work to have any form of affidavit notarized or go to a precinct. My only action going forward would be legal as I can see they have had enough legal fights as it is and I can see why. To send me information to an address I provide to the cfpb and updating a profile I never created with you as if this is the address you have for me is harassment. You provided a contract with an address I hadnt lived at in over a decade. But yet you are trying to send me stuff to my address. Im requesting a cease and desist and will be sending out that document via certified mail that will require a signature. You have been trying to contact me using communications and address I never provided you. I am formally filing a complaint to add to the many complaints you already have with the XXXX. DO NOT CONTACT ME USING INFORMATION I REPORTED TO THE COMPANY. USE THE INFORMATION YOU STATED I PROVIDED WITH THIS CONTRACT. You can not utilize a 3rd party company to reach me without my consent. Ive tried to reason and work with you guys by showing the proof and the breach in my state and my report. So, now since they have not removed this I will just take care of this matter legally if need be because now its becoming harassing.
Product: Checking or savings account

XXXX XXXX and XXXX XXXX, the manager and staff of the Chase branch were so arrogant and unreasonable that they even threatened me I opened a checking account at the Chase branch on XXXX XXXX and XXXX XXXX. The reason was that a friend went to me to borrow a sum of money, because there was no cash to repay the epidemic, and then he said that he would pay me back by writing a check because I dont know how to read it. So the check was deposited into my account. After depositing, my account had a problem, so I contacted customer service, and the customer service asked me to go to the branch to deal with it. I went to this Chase branch and they told me that I needed to write me a check. The person from came in to prove it, and said that there were only 10 days, but they closed my account the next day, and then I found the person who issued me the check and went in to verify it, but the branch said it was a fake check, probably by customer service To put it bluntly, the one who wrote the check ran out and didnt know why. After a few minutes, he rushed in and XXXX XXXX XXXX. When something happened, the branch staff, the manager and the security guard did nothing, and then was pulled by a passerby. I was able to get out of my breath when I drove the person who was holding my neck. Then I called the police. The police went to the branch and asked the manager to call for monitoring. The manager refused to provide monitoring police on the grounds that the branch had no monitoring. Then I was taken in by an ambulance. In the hospital, the person who defrauded me was caught. He also admitted that my account was closed due to the fraud. Later, I called the customer service and told the customer service that I went to the branch to open another account for me, but I went to XXXXXXXX XXXX. XXXX, XXXX XXXX, ny.XXXX, this branch dealt with my account problem, they refused to provide help and refused to call customer service for me, because the branch staff had to call them to reopen the account for me, and they refused to provide help, They already knew that my account was fraudulent on the day of the incident, and the customer service told me clearly on the phone that I can go to the branch to reopen the account, but I can not open the account online, and I still opened the account at the branch. Then I consulted with the manager, and the manager let me go out without looking at it, and told me that he would not help me reopen the account. I did nothing wrong. I was a victim, but I was treated like this. I felt very sad. Even feel scared, I have been in XXXX, NY, a branch of XXXX XXXX and XXXX XXXX 4 times, and I have not been able to get help. The manager even threatened me to call the police and arrest me. I feel very helpless, so I want to ask you to help me deal with my account problems and their XXXX behavior. They can treat me like this and treat others like this. Is it true that Chase Bank does not have a lot of money in their bank? Good service and good treatment.
Product: Credit reporting or other personal consumer reports

On or around XXXX XX/XX/XXXX I disputed a XXXX account listed in my Equifax credit file. XXXX alleges the account was charged-off sometime in XXXX. Yet, the date of first delinquency, which determines the date at which a charge-off occurs, and relative to which the derogatory charge-off will report under law, shows as XX/XX/XXXX. If this date were accurate, the it implies the charge-off occurred nearly two ( 2 ) years AFTER the date of the first delinquency and means the charge-off took place well outside the statutory time-frame of not later than one-hundred eighty ( 180 ) days after the date of first delinquency. On its face this is an error. On or around XXXX XX/XX/XXXX Equifax returned the results of their ( re ) investigation, claiming XXXX verified the information was accurate allegedly occurred in XX/XX/XXXX, which means the account would have been charged-off not later than XX/XX/XXXX, one-hundred and eighty ( 180 ) days after DoFD. The charge-off status, and the charge-off indicators with payment history and status code, can only persist in a credit file relative to an accurate DoFD. In absence of an accurate DoFD the charge-off indicators and status are inchoate and must be removed. Either Equifax needs to prove the charge-off for the account occurred not more than one-hundred fifty ( 150 ) days beyond the Date of First Delinquency, XX/XX/XXXX, else Equifax needs to remove any and all charge-off status codes present within the account history, any and all charge-off status indicators, any and all references to a Date of First Major Delinquency, and the date the DoFD was reported.
Product: Mortgage

applied for a refi in like XXXX and it took till XXXX everything was set there was to be NO escrow account. when title 365 showed up to sign the documents there was an escrow account setup. before i signed i called my loan officer and they recorded the call and I recorded the call and was told to not worry about it they have it on file that i waived escrow so once the papers are signed they will fix in post... taking their word for it, i signed the documents and then never heard anything more about it. i received a call from their collections dept claiming that i was not paying the correct amount. upon further review they never fixed the escrow account so i was behind in my payments. i called my officer, the collections dept, the escrow dept, mgmt, XXXX near anyone i could get on the phone. left a ton of messages. every single person that calls me or talks to me says that someone else has to deal with this or that i signed the documents so there is nothing they are going to do. i do not owe the mortgage company additional money over what is borrowed. they have no right to continue an escrow account when i was told they would remove it. its some simple paper work and yet they refused to fix it. they are reporting to the CBR that i am delinquent, they are violating the FDCPA, pretty sure this is violation of the truth in lending, maybe a bunch of other things too. they are shortly going to attempt to foreclose because of this but i dont owe them that money.