23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

XXXX XXXX I was scammed out of XXXX dollars by the " XXXX. The # was XXXX.They told me I had a grant of XXXX dollars but first I needed to deposit XXXX $ and it was refundable. She told me go to XXXX and get a apple XXXX card and read the number on the back of the card. I did. I was send to XXXX XXXX to get the refund. I had confirmation number and tracking numbers. I then spoke to an " XXXX '' and there was security reason as to them needing more money of XXXX dollars and it was also refundable, so I went to XXXX again brought another XXXX card and gave him the code on the back. The grant amount had went up but I started feeling like it was a scam so I backed out and demanded my money back. They wanted XXXX more dollar to release the " grant '' and I refused to give them more money so now in out if XXXX that I needed.i have recordings and I went to the police and ftc and contacted by bank. XXXX has denied my dispute twice due to me using my pin for the purchase of the cards. I have given them proof of being scammed. I just need some help getting my money back. I 've been with pnc for 5 years and I 'm not happy with the end result of this
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX, full Credit Card number XXXX XXXX XXXX XXXX, Expiration date, XX/XX/24 Security Code XXXX, opened XXXX, Closed XXXX XXXX XXXX XXXX Account Number XXXX, opened XXXX XXXX Closed XXXX XXXX XXXX XXXX Account Number XXXX, opened XXXX, Closed XXXX XXXX XXXX Account Number XXXX, opened XXXX, Closed XXXX15 USC 1681 ( A ) ( 4 ) States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Therefor pursuant to 15 USC 1681 ( A ) ( 4 ) I the consumer own my right to privacy, It can not be taken away, and there is no such thing as a public record for a consumer. I did not give my right to privacy to Experian to publicly report anything. Pursuant to 15 USC 1681 ( A ) ( 2 ) 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. A consumer reporting agency can not furnish an account without my written instructions. I would like to state that Experian is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer, I the consumer never gave Experian any written consent to report anything on my consumer report. No consent is Identity theft. I have enclosed a Identity theft report which states the XXXX  closed accounts and a Inquiry are being illegally furnished on my consumer report. If they are not removed I will not extend my credit my credit to anyone or allow Experian to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports.15 USC 1681 ( a ) ( 4 ) states ( a ) Accuracy and fairness of credit reporting ; ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian is violating the united states codes and should delete these items off of my consumer report or face legal action.
Product: Credit card

I used one of the cash back deals from Bank of America ( BOA ) that requires me to spend 2x {$15.00} at XXXX to get {$75.00} dollar cash back. After fulfilling that requirement within required dates, BOA is denying me the cash back. I have attached my proof of purchase at XXXX and the exact terms listed in the offer for reference. Terms part 2 is from opening the link from second to last sentence of terms part 1
Product: Mortgage

I had previously submitted a complaint about Freedom Mortgage 's refusal to process the deferral agreement ( Complaint ID XXXX ). Their response was full of misrepresentations and false statements, and still does not address my complaint, prompting the submission of a new complaint. 

For example, Freedom Mortgage makes a statement that when the loan came to them in XX/XX/XXXX, it was already delinquent XXXX months. That is a flat out lie because the forbearance period ended XX/XX/XXXX and per the XXXX agreement, the next due date was supposed to be advanced to XX/XX/XXXX. As of XX/XX/XXXX, the loan was only XXXX months past due. Therefore, on XX/XX/XXXX, the loan was only XXXX months past due and Freedom Mortgage deliberately failed to process the deferral despite our numerous requests ever since XX/XX/XXXX. 

Freedom Mortgage also misrepresents XXXX XXXX guidelines which expressly state that if the deferral is approved and the loan is less than XXXX  months past due at the time of approval, then no payments are required from the customer during the processing months. That is, in fact, what XXXX told us and directed us not to make any payments until the deferral agreement is effect. The guidelines also specifically state that the deferrals should be processed within 30 days, which Freedom Mortgage failed to do despite repeated requests from us. Not once, did we ever receive any correspondence from Freedom Mortgage regarding the status of the deferral agreement. When we asked to speak to a supervisor about Freedom Mortgages failure to process the deferral, no one bothered to call us back while Freedom Mortgage continued to deliberately not process the deferral. 

Furthermore, Freedom Mortgage has failed to bring the account to reflect as current, and instead the account shows as mitigation loss. Freedom Mortgage has violated numerous state and federal laws, and threatened wrongful foreclosure of our home all in violation of the CARES Act. 

Freedom Mortgage must properly process the deferral agreement as previously agreed upon with XXXX. The five payments in the amount of {$12000.00} can not be applied toward the forbearance period but must be applied toward the XX/XX/XXXX through XX/XX/XXXX period as previously agreed upon and my account must show as current and never delinquent and/or never in mitigation loss. 

Moreover, this deliberate act by Freedom Mortgage was done with the sole intention to steal our home. It is obvious by the fraudulent responses from Freedom Mortgage who in XXXX days after this complaint was filed with your office, finally was able to process the deferral. Freedom Mortgage must be held liable for their fraudulent and bad faith actions. There are over 4,000 complaints from different people about this company and we respectfully demand that you hold this company accountable for their fraud and bad faith actions and not let them escape unscathed so that they continue with their illegal and fraudulent ways.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint on the following dates XX/XX/year>. XXXX now requesting you investigate this account and update these payments to paid on time thank you for your understanding and prompt action.
Product: Payday loan, title loan, or personal loan

I have an email confirmation that revoked ACH withdrawals from this Company. They waited 3 months and began the withdrawal again. 

The confirmation was dated XX/XX/XXXX. They resumed with withdrawal in XX/XX/XXXX. The withdrawal was for {$220.00}.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

I have requested that false information be removed from my report back In XXXX and nothing has ever happened. 
I have submitted documents showing I never lived at address shown and then they have addresses shown from XXXX yrs ago when I was a child.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, ( Original Creditor XXXX XXXX XXXX XXXX ), Account # XXXX, 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 a account without my written instructions
Product: Debt collection

i received another solicitation from XXXX and zell and i am receiving unsolicited credit offers for autos, and im am being tracked and harassed every single day by " early warning llc. i have opted out of all credit products years ago. all of these entities indicate a relationship with early warning llc. i have no business relationship with early warning and never will. i want all of my personal information deleted from your systems, and i want you to STOP tracking me like im some sort of tagged animal. im a human, and you are violating my human rights. i dont want your XXXX FRAUDulent zell  XXXX or treasury bonds. they are fraud and worth XXXX. you are doing bankruptcy fraud. criminal XXXX. XXXX YOU! STOP XXXX CONTACTING ME AND HARASSING ME! ALL FURTHER COMS NEED TO GO THROUGH XXXX XXXX  XXXX! XXXX YOU! XXXX OFF! IM NOT INTERESTED IN YOUR SETTLEMENT. XXXX XXXX. FRAUD. YOU ARE GOING TO PRISON. additionally, you XXXX  have been targeting members of my family. it is disgusting. Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint # XXXX was closed prematurely. Equifax did not resolve the issue. The evidence I sent in the complaint mentioned above was no evidence. I also submitted this information through the mail. You have an obligation to report accurate, complete and verified information. I submitted proof that the so-called verified bankruptcy with no financial accounts was removed from XXXX. The account XXXX XXXX XXXX XXXX # XXXX that you have as part of the bankruptcy was verified by XXXX as a paid charge off account. So again how did you verify it as part of a bankruptcy? Credit Bureaus are obligated under the FCRA to report and verify the information and not reporting different information for the same account. It is violating my rights as a consumer. Please do not answer this complaint with a generated automated response. I need this to be investigated and to report accurately on my report. When you file bankruptcy there have to be accounts filed under the bankruptcy. There are none. What is the purpose of filing bankruptcy with no accounts or financial information?
Product: Credit reporting or other personal consumer reports

These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XX/XX/XXXX {$840.00} XXXX XXXX  XX/XX/XXXX {$4900.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX {$250.00} XX/XX/XXXX = Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Debt collection

I am formally notifying you that if corrective actions are not taken within XXXX  days, I will file a complaint with the Federal Trade Commission ( FTC ) regarding your company 's non-compliance with federal law. You are obligated to respond within XXXX days, and failure to do so may result in fines of up to {$1000.00}. Please provide the investigation procedures for the following accounts within XXXX days to avoid further escalation : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. 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 and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$670.00} XX/XX/XXXX 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is related to complaints XXXX, XXXX, & XXXX, the last of which was filed yesterday. This involved a single alleged debt of {$110.00} which I have disputed with the company and which the company before today had reported to the credit agencies 4 separate times. In response to yesterday 's complaint, the creditor responded : " This account has been closed and returned to the original creditor. We will request deletion from the credit reporting agencies. '' However, I have just received notification from XXXX that the debt has been reported a fifth time today. Please see attachment. I'm pretty sure duplicate reporting of a single debt is illegal but now we are up to five times. 
This involves a disputed debt wherein XXXX charged me for a phone line that I never requested and never used. The contract that I signed with the company did not contain a phone line and the company 's records will show that no calls were ever made or received. Yet XXXX refuses to refund all overcharges because of the company 's " policy ''. In addition, the company is charging me for weeks of services that I never used after I cancelled my service and returned all equipment, contrary to the terms of the contract that I signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Services were not rendered as expected. Very unsatisfied
Product: Credit card

A capital One Card was opened in my name I called to dispute it and its still on my credit
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing account # XXXX that I owe {$4400.00}. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just ordered copies of my credit report with XXXX due to identity theft against my credit, and late payments for XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX EXPXX/XX/XXXX EXP-XX/XX/XXXXXXXX ), XXXX XXXX, never late XXXXXXXX XXXX ( not clearly stating the late payments ) and never late XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX- XX/XX/XXXX XXXX, XX/XX/XXXX-EXP, XXXX XXXX, XX/XX/XXXX -EXP Credit bureaus dont consider a payment late until it is 30 days past due, however these are showing late on my credit report past 30 days which is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and I noticed a fraudulent/unauthorized chargeoff closed account that needs to be removed from my credit report. The account to be removed will be listed below and I will also like to add that I was a victim of the 2017 XXXX data breach. 

XXXX. XXXX XXXXXXXX XXXX ActXXXX # XXXX
Product: Credit reporting or other personal consumer reports

There are accounts on my EQUIFAX, XXXX & XXXX that don't belong to be & I have no knowledge of.
Product: Checking or savings account

I was unlawfully enrolled and charged without my authorization for an Identity Theft XXXX XXXX product through Wells Fargo. XXXX and Wells Fargo engaged in unfair practices related to the billing and administration of these products in violation of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ). I would like a FULL transaction ledger of ALL fees I was charged without my authorization. I would also like the document used to consent to be enrolled in this unauthorized product.
Product: Checking or savings account

In XXXX, I complained to Chase about a teller named XXXX who refused to deposit my loose coins, falsely claiming they needed to be rolled. After confirming Chase 's policy accepts loose coins, I sought an apology from XXXX. However, in XXXX, I unexpectedly received a letter accusing me of inappropriate conduct and placing my account under review, seemingly in retaliation by the branch manager XXXX. 

I experienced a clear violation of the code of conduct when the branch manager, XXXX, retaliated against your complaint about refusal of service by falsely accusing you of inappropriate conduct and subjecting your account to review. This retaliation raises concerns about privacy and security, as XXXX can access my personal data. 

I escalated the complaint to Better Business Bureau, and Chase executive team investigated without revealing the outcome or removing the record, causing distress and insecurity due to potential privacy breaches.