23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The last time they reported it was on XX/XX/XXXX but the debt was due to a car crash that happened to me in XXXX of XXXX. I attempted to dispute the charge with the XXXX XXXX through XXXX already due to the registered disaster of COVID 19 It has left me unable to pay the {$3000.00} debt. They didnt accept my dispute even though my reason clear and true because COVID 19 has effected me and several thousands of Americans in unspeakable ways. I find ridiculous that Credit Bureaus are putting COVID 19 as a dispute option if theyre going to say its invalid in the end. I need something to be done about this debt immediately because its ruining my credit score and the hospital has called me threatening to hurt my credit in the past already. This is ridiculous.
Product: Credit reporting or other personal consumer reports

Hard inquiries that are not my mine I did not approve an needs too be removed 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 Are the dates of unauthorized inquiries
Product: Debt collection

Can this email be direct to the department that can help with the following issue? XXXX XXXX XXXX XXXX received the following mail which is attached to this email. I sent correspondence at that time in question we had insurance and therefore did not owe the money requesting and in terms we're due a refund. Help needed Several emails were sent to resolve this issue and as of today this company ignored us and kept requesting payments. 

Thank you 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 ( 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. Their dispute and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These acts have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I provided a police report and ID theft affidavit to all credit reporting bureaus. This agency is the only agency that failed to address the problem My Identity was stolen and the accounts below were open without my authorization and are still reported as accurate on my credit report. I have taken legal action and will seek damages as I have been terminated by my employer as a professionally licensed medical professional for not complying with background clearance. The accounts & inquiries below are not mines nor have I had any access to them. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have an account with PNC Bank. My purse was stolen and it had my debit card, license and other important mail, papers, bank documents which had my pin for my debit card was written on a piece of paper which was inside my purse. I noticed unauthorized charges on my account. I had reported my card stolen and disputed the unauthorized transactions that I did not make. I was given a provisional credit for some of them but not for 3 of them which remain on my account along with several fees related to these charges that I did not make. The unauthorized charges that have not been fixed are as follows : Date-XX/XX/2018- XXXX XXXX in the amount of {$100.00} Date-XX/XX/2018- XXXX XXXX in the amount of {$100.00} Date-XX/XX/2018- XXXX XXXX in the amount of {$50.00} There are also several fees that I have been charged as a result of these unauthorized transactions. 
I have spoke to pnc bank several times regarding this and the last person I spoke with assured me that they would get this resolved. Then I received a letter in the mail stating that they found no error in the dispute. So I called pnc back and they told me they were going to redispute these charges for me that I did not make. but they didn't do that and my account still has these charges on it along with several fees including overdraft fees related to these transactions. I would like my account to be fixed but they still have not fixed it by removing the unauthorized charges and all of the fees that I have and are still being charged for related to this.
Product: Debt collection

I've received 3 phone calls and now they are mailing stuff to my address for my son who has not lived with me in 5 years. I told them on the first phone call he doesn't live here and I don't even know if he has a phone. I told them the same thing on the second phone call and told them to stop calling me. They've attempted to call my husband several times while he was at work and couldn't answer. They called a third time and I told them I was over their harassment. They are mailing things to my home that look like junk mail that are bills for my son. The company calling is XXXX XXXX in XXXX, FL.
Product: Bank account or service

A company that does n't exist XXXX XXXX XXXX XXXX debited {$300.00} from my bank account. I filed a claim with Wells Fargo XXXX claim number XXXX ) and they issued me a credit. They said they needed my credit report showing that the supposed debt was not on my report. I emailed them the report which clearly shows I have no debt with this " company '' and on XXXX/XXXX/15 they took the credit back. I want MY money back. I received correspondence from Wells Fargo, and they put another customer 's letter in an envelope addressed to me. This is just an awful experience from a company that obviously does n't care about their customers ' privacy.
Product: Student loan

Not true and accurate amount owed. Company did a consolidation of loans without my permission. Attached are the actual information from the actual US Dept of Education. Fact that company disregarded all request for deferment due to me being XXXX XXXX and XXXX
Product: Credit card

I contacted FNBO when I was initially charged for unauthorized charges from XXXX XXXX for {$29.00}. FNBO initially credited my account for the unauthorized charges, and I requested that after I was credited that a PERMANENT BLOCK be immediately placed on my account blocking further charges by XXXX XXXX  Instead, FNBO allowed XXXX XXXX to CONTINUE TO CHARGE ME, despite the fact that I NEVER RECEIVED ANY GOODS OR SERVICES FROM XXXX XXXX 

*1. Therefore, I want AN IMMEDIATE CREDIT for EACH AND EVERY TIME XXXX XXXX  CHARGED MY CARD. *2. Unfortunately, I also want a NEW CARD NUMBER because XXXX XXXX keeps charging my card without my authorization or consent and I can not trust that FNBO will not allow them to keep charging my card. 

I have recently discovered that XXXX XXXX has thousands of complaints by consumers because they are running this same scam of unauthorized charges and repeat charges on thousands of customers.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX Inquiry : XX/XX/XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the highlighted accounts from my credit report from your files. This is becoming a burden and it isn't fair.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Invalidated/unauthorized inquiry Results of the XXXX data breach. Fraudulent Inquires on my credit report that must be removed within 4 days. According to the FCRA any FRAUDULENT information/inquires on your credit report must be removed immediately. I demand for all my inquires be removed from my credit report.
Product: Debt collection

This company sent a text message to my step mother saying they are issuing a judgment against me and when I called to get more info they wont verify anything and refuse to even tell me anything other than its a debt from XXXX XXXX they dissolved in XX/XX/XXXX I honestly have no knowledge of this debt. 
This all happened XXXX
Product: Money transfer, virtual currency, or money service

My father who is XXXX veteran sent me money via venmo for his emotional support dog but sent it to my old venmo account. I have reached out to venmo on sunday and it has been 5 days and they won't let me gain access. the account clearly is mine. i have the email and password i just can't use the two step verification because it's an old phone number. 

old venmo account XXXX  XXXX new account XXXX XXXX this is insane. i need the money to help my father
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX Balance {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX : {$900.00} XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$2300.00} XXXX XXXX  Balance {$920.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX on XX/XX/2023 XXXX XX/XX/2023 XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/2023 XXXX Inquired on XX/XX/2XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed through  XXXX  and now there are an additional  XXXX  inquiry on my report. They should have been removed because I have n't applied for credit in over a year.
Product: Debt collection

GENERAL REVENUE CORP IS IN DIRECT VIOLATION OF THE FOLLOWING : Fair Debt Collection Practices Act As amended by Public Law 111-203, title X, 124 Stat. 2092 15 USC 1692f 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt 15 USC 1692g 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

15 USC 1692h 809. Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Product: Credit reporting or other personal consumer reports

I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, The account payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Checking or savings account

My CD expired on XX/XX/year>. After finding no information online on how to close my account, I first called BMO the week before my CD was set to expire. I was told I needed to call back on the day of expiration / maturation, so on XX/XX/XXXX, I requested closure of my CD ( with a total value of {$21000.00} ) via a phone call. I asked for a direct transfer of funds to another bank, and was told that I could only transfer my money into another BMO account or be sent a check via mail. I had transferred funding to this CD directly online, so not being able to transfer money outside of BMO seemed ridiculous, but I relented and asked for a check to be issued. I was told that my check would be sent on XX/XX/XXXX via XXXX, that it could not be tracked or overnighted, and that I was expected to receive it within XXXX business days. 

After XXXX business days, I called BMO because I had not yet received the check, but was told that nothing could be done until after the XXXX business day timeframe. However, I was also told that the check had not yet been cashed, which suggested it wasn't lost or stolen. I was told they would automatically reissue a check after XXXX business days if it was not received in that timeframe. After XXXX business days, I then called again because I still had not received the check and was told to wait another day. This was on Friday, XX/XX/XXXX. 

Today, Monday, XX/XX/XXXX, there still was no check, so I called BMO another time. I've now been told that because the check has not arrived, that I would need to get an indemnity bond, have it notarized, and then wait 90 days for a new check to be issued. 

This is a significant amount of funds that I have not received, and it is unacceptable that BMO is not taking responsibility for returning my own money to me. It is inconceivable that they can not transfer funds into another bank, or cancel and reissue the check with proper tracking and controls to make sure my money is received back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Key Bank repeatedly overcharged me fees, causing my account to go negative. We made three requests, but Key Bank failed to respond. Instead, they sent the matter to a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX
Product: Mortgage

( 1 ) I have already complained 10 times that Select Portfolio Servicing ( SPS ) does not deliver any Mortgage Payment Statement Mortgage Payment Statement on time. XX/XX/2020 Mortgage Payment Statement arrived from Select Portfolio Servicing ( SPS ) on XX/XX/2020. Select Portfolio Servicing ( SPS ) does this on purpose to collect illegally {$15.00} for paying on their website or via phone. THIS IS AN ILLEGAL AND FRAUDULENT ACTOR. How am I supposed to pay my mortgage on time via my banks own bill payment, if the? On XX/XX/2020 I had to pay XX/XX/2020 mortgage payment via Select Portfolio Servicing ( SPS ) s website ( see attached ), as my bank could not process my Mortgage Payment via my banks Bill Pay before XX/XX/2020. 

( 2 ) Besides, constant Mortgage Payment Statement 's delayed delivery issue ; there is no ESCROW ACCOUNTING AS OF XX/XX/2020 UNDER RESPA. 

cc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Mortgage

Charged a monthly fee of {$7.00} for paying online. Found out this was illegal. This was through Plaza Home Mortgage ( PHH )
Product: Credit reporting, credit repair services, or other personal consumer reports

Since being a Victim of XXXX  XXXX security breach my credit report had been a fraud nightmare. I have sent countless FTC reports explaining my situation with XXXX  and they refuse to remove the fraudulent trade lines off my credit report. 

How many other people that were victims of identification theft are they doing that to. This has been going on since XXXX and its effecting my lively hood.
Product: Credit reporting or other personal consumer reports

Equifax never served by Courts SEC v. Jarkesy, 603 U.S. ___ ( XXXX ) When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

Writs never signed and seal by court clerks 28 U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( JXXXX XXXX XXXX, ch. 646, 62 Stat. 945. )
Product: Debt collection

I closed XXXX account XX/XX/XXXX in XX/XX/XXXX i learn my credit score has been impacted by an unpaid bill over {$300.00}. i was never late a payment in 6 years with XXXX but now this bonus.I never received mail. I am not convinced I owe this because I have not had a phone active with XXXX since XX/XX/XXXX XX/XX/XXXX. the collection agency called a couple dozen times a day. i switched carriers because XXXX coverage was bad and they would not fix the gaps. i was missing calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

RISE Credit fraudulently pulled my XXXX credit report on XX/XX/18, and opened a fraudulent account in my name. After months of disputes with RISE, and after filing a police report, they agreed to remove the account AND HARD INQUIRY from my XXXX  credit report. The account finally was removed, but the hard inquiry remained. I have called to dispute with XXXX  and was told they have not received a directive from RISE to remove the inquiry. I spoke with RISE and they told me they had, in fact, requested the removal of the inquiry from XXXX, and for good measure, sent another directive for them to remove the inquiry on XX/XX/2018, but XXXX is still reporting this fraudulent hard inquiry on my credit report and their customer service is of no help to me in this situation.
Product: Credit reporting or other personal consumer reports

LOBEL FINANCIAL ACCOUNT NUMBER : XXXX IS A FRAUD ACCOUNT OPENED WITHOUT MY KNOWLEDGE. 
WHY THIS FRAUD ACCOUNT STILL SHOWING OPEN. 

THIS FRAUD ACCOUNT HAS A BALANCE OF {$29000.00} WHICH IS INACCURATE THIS CLOSED ACCOUNT IS INACCURATE AND SHALL DELETE FROM MY CREDIT REPORT BY LAW.
Product: Debt collection

CRA violation no knowledge of the fraudulent accounts on my Transunion credit report. FTC ID Theft report # XXXX