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

In accordance with the Fair Credit Reporting act the list of accounts below has violated my federally protection consumer protected rights to my privacy and confidentially under 15 USC 1681. 
Account Name XXXX XXXXXXXX Account Number XXXX Account Balance {$2000.00} Account Name XXXX XXXX XXXX  Account Number XXXX Account Balance {$19000.00} Account Name XXXX Account Number XXXX Account Balance {$140000.00} Account Name XXXX XXXX XXXX Account Number XXXX Account Balance {$38.00} 15 U.S.C. 1681 section 602 A. States I have the right to privacy, 15 U.S.C. 1681 section 604 A. States a consumer reporting agency can not furnish a account without my written instructions. 
XXXX5 U.S.C. 1681C. ( a ) ( 5 ). 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: Mortgage

Company was Wells Fargo they had our home mortgage, we fell behind because I was XXXX  We tried to work with Wells Fargo. To get caught up and they kept denying that we had paperwork turned in. And then when we turned it in it got lost or transferred to another division. So we got the runaround. This was about in XXXX or XX/XX/2014. And it was around {$15000.00} that they wouldnt work with us.
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 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 ad 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

The following credit card account currently listed on my XXXX and Equifax credit report is lost/stolen : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX the following hard inquiries currently listed on my XXXX and Equifax credit report is fraudulent, unauthorized and not my hard inquiries : XXXX, XX/XX/ and XXXX XXXX XXXX XXXX XXXX XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a FTC identity theft report to be sent to Equifax, XXXX, XXXX, I have tried to resolve this with the companies and the credit reporting agencies but they have failed to help me, so Im filing this to have these inquiries that was placed on my credit report as fraud, I want these inquiries taking off my reports, I have included in the FTC Identity theft report all the inquiries that are on my reports, I want these removed, I am unemployed I can not buy a car, I am disputing these inquiries as fraud, but do not add any fraud alert on my credit reports with out my express permission, I am sending a copy of this FTC indentity theft report to all three credit bureaus so they can have and keep this FTC identity theft report if any more show up I was alerted this morning from credit monitoring products from all three credit bureaus that these inquiries have been placed on my credit reports please remove.
Product: Debt collection

Received a call from PENN CREDIT. I do not know who that is and have never done business with the company. There was no person on the other end when I answered the call. They continue calling several times a day including Sundays. I no longer answer the phone when their number and name appears. This has been going on for months and I am sick of it. We are elderly and my wife is in stage XXXX of XXXX. Can you do anything to get the calls stopped? Thank you.
Product: Debt collection

DEBT RECOVERY SOLUTIONS is trying to collect a debt that was turned over to them from XXXX that concerns a loan that was opened in my name by means of identity theft. I have a comprehensive report from XXXX, a consumer reporting company, that states my social security number was being used by another individual that wasn't me and that I am a victim of identity theft. The report goes on to inform me of my rights and what to do next. I have already spoken to a representative from XXXX and XXXX and both companies have issued a fraud alert for this account. I want to file a formal police report and find out and prosecute whomever is responsible for this, and for stealing my identity to the fullest extent of the law. This fraudulent account may be the first of many, but I hope not as I have diligently been working towards rebuilding my credit and had already been seeing anomalies prompting the investigation I requested by XXXX. My credit was dramatically improving, yet I was still being denied loans and turned down on credit card offers. A thief took advantage of my hard work and beat me to the chase using my identity to secure loans and who knows what else before I got to reap any kind of benefit for improving my credit and taking care of debts. It disgusts me and quite frankly makes me mad enough to physically fight whoever is responsible.
Product: Checking or savings account

Each time I attempt to transfer funds from Marcus to one of my linked and verified accounts they initially accept it but then stop it. The only contact they make is via phone but because of spam calls I do not receive them. For an online bank I do not understand why they dont provide digital ( email or text ) notifications. 
I called and went through the process a few weeks back but they prevented another transfer. When I just called they could not assist because the department is closed. They call out how they are available 24/7. Clearly they are not. Everyone I speak to is nice but theyre not empowered they way Id expect to handle what is a basic and unnecessary issue. I have similar online accounts at 4 other banks and have never experienced these kinds of issues and delays with simple online transfers of my own funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute is with the company Equifax they removed an collection off my account XX/XX/2021 it was then reinserted on my credit report on XX/XX/2021 I know this because I saw this on credit karma. I have contacted this company by phone on XXXX and XX/XX/2021. Nothing has been done they have closed it out each time within 24hrs no investigation. I was never notified of this reinsertion in writing within 5 business days under FCRA 611 ( a ) ( 5 ) ( b ) ( ii ). Not only that but it was over the 45 day time frame for this to be reinserted back on my report. I would like this account deleted ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover, XXXX XXXX, XXXX and XXXX all showed up on my credit report as late payments and in collections. None of these accounts were opened by me. XXXX XXXX has 2 accounts for {$500.00} and {$1900.00}, Discover has 2 accounts for {$900.00} and {$800.00}, XXXX has an account for {$500.00} and XXXX has an account for {$2000.00}
Product: Checking or savings account

On XX/XX/2023 I was the victim of online fraud where Bank of America ( BoA ) allowed the opening of joined fraudulent accounts and somebody was able to transfer $ XXXX from my saving and checking accounts to the newly opened fraudulent account and then to another account. See CFPB complaint XXXX. 
On XX/XX/2023 the stolen funds were transferred back to my accounts but since my saving and checking accounts were blocked I have no way to transfer these funds to my newly opened, non-compromised accounts. 
On XX/XX/2023 I visited the local BoA branch office in XXXX, XXXX  to unblock my accounts and to transfer the funds to the new accounts. A local BoA associate called the BoA customer service number and per the associate on the phone there were XXXX blocks on my accounts and she could remove only XXXX of them. I was assured that by calling XXXX on Monday I could easily remove the XXXX  block on my accounts to finally transfer the funds to my new accounts. 
On Monday, XX/XX/2023 I called BoA at XXXX where the first associate I was connected to was not able to help. After connection to a second associate she explained to me that I need to call Digital Fraud and she would connect me to this department. The number she gave me was XXXX. After about XXXX minutes of waiting the line disconnected. 
On Wednesday, XX/XX/2023 I called BoA at XXXX and was connected to an associate who informed me that he cant help and that I should visit a local branch office for support. 
On Saturday, XX/XX/2023 I visited the local BoA branch office in XXXX, XXXX. There seemed to be visible uneasiness to deal with my case. A female associate mentioned to me that this is more complicated and I was placed with another associate in XXXX of their customer offices. This associate explained to me that the online fraud department is closed today and that I should come back on Monday. 
I am at a loss since I have no line of sight to access my funds after XXXX week of dealing with BoA. There seems to be no defined process nor properly trained BoA associates to support my case. I also have no reason to believe that they suddenly will be able to help me on Monday. It is astonishing to me that this all started with sending me emails and messages of potential fraudulent activities on XX/XX/2023 with immediate reaction from my side and still BoA allowed the immediate transfer of funds from my accounts. 
It appears to me that I simply have no rights to my funds.
Product: Credit reporting

I recently pulled my credit reports after being denied credit and found several accounts that were not mine. I put a Fraud Alert on my credit report with the XXXX main credit reporting agencies. I then sent a letter to XXXX XXXX XXXX on XXXX XXXX, 2015 who are listed as collecting for XXXX. I requested proof that this accounts belongs to me and copies of any documents showing my signature where I agreed to pay this card. I have received NO response from XXXX XXXX XXXX. It has been well over 30 days now without a response. I am demanding proof of my signature on a contract saying I would be liable for this account. They can not continue to ignore my request, nor can they simply say that because someone with my name who got ahold of my SS # and opened an account under my name makes me responsible. I am demanding that they delete this incorrect account from my credit report with the XXXX big credit reporting agencies immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Till this day over XXXX  days later I have not received a response, yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days and should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached documents detailing a reinsertion of previously deleted items which is a BLATANT violation of my consumer rights. This item was originally reported by XXXX XXXX  XXXX and was removed due to inaccurate reporting. This same item has now been reinserted onto my credit profile by XXXX XXXX  XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumer file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. This shows that a proper investigation was never done before this XXXX was added back onto my consumer report.
Product: Credit reporting or other personal consumer reports

I was XXXX on XXXX XXXX & entered the XXXX XXXX XXXX XXXX. I was released on XXXX upon my release I became aware that I became a victim of identity fraud. there were a serious of accounts opened in my name using my personal information without my consent. The accounts are listed as follows XXXX XXXX account XXXX. XXXX XXXX XXXX account # XXXX & XXXX XXXX XXXX  account # XXXX all these accounts are fraudulent & I have filed & provided a police report as well as provided a letter of XXXX stating I was XXXX
Product: Mortgage

as a result of the XXXX XXXX in XXXX, Ca. my insurance company issued a check to chase bank and XXXX XXXX. in order to get Chase Bank to endorse the check I first had to deposit the check into Chase Bank ... then I had to set up an account on line to view and submit the requested information to Chase Bank. Once all of the required information was received by the bank then and only then could you request an inspection to see if 50 percent of the work has been completed. The bank is supposed to respond back within 7 days of the inspection request that was submitted on XXXX. No one has contacted me to this date! That's problem two! Problem three is the fact that prior to receiving any insurance check I had more than 50 percent of the work completed! Now waiting to pay some of the workers ... It could take the inspector another two weeks to even come out after the 7 day wait! I would like to have my money now to pay for the work that has all ready been completed.. Its not chase bank money ... they didn't pay any monthly premiums ... this area has been devastated by the XXXX XXXX , a federal disaster area, and really don't need harassment by JP Morgan Chase ...
Product: Debt collection

I started receiving phone calls from this number on my personal cell phone, home phone, and work phone on X/X/18. First and foremost they are NOT to contact my job for any reason. This is a personal matter and it should/will be handled as such. My number one complaint is that they are calling me asking me to verify my identity via social security number and date of birth to some strange person who advised the call is being recorded. If you are calling me in reference to a debt and I have verified that you are speaking to the person you asked for I will not give you or anyone else who is calling me from some XXXX my personal information There are too many scams going around and the only thing they would provide to me was that they were calling on behalf of Capital One and would n't give me anything else. I have not received anything in writing from this alleged debt collector about what or who they are and what they are trying to accomplish.
Product: Mortgage

I refinanced my mortgage XX/XX/2021 and I was supposed to receive 3 checks totaling {$5300.00} but for the past year I have been calling Cardinal to check on the status of the checks and I was told numerous times that the checks are " on the way '' but have not received anything thus far. 
At this point I feel that I am in titled to the checks plus compensation for the misleading information told repeatedly by customer service representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX/XXXX Inquiry from Sep XXXX XXXXXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX. 
XXXX XXXX. 
XXXX from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I, a resident of XXXXXXXX XXXX, successfully transferred {$870.00} US Dollars ( equivalent to XXXX XXXX ) to my account on the Robinhood exchange ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ). 

The transaction was completed successfully, with all confirmations available from the originating exchange and the XXXX XXXX The transaction details can be verified online at the following links : Transaction Hash : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, Robinhood never credited the amount to my account. The company initially provided a 48-hour timeframe for resolution, which has now passed without any resolution. The funds are missing. 

I have made multiple contacts with Robinhood 's customer support, and their official representatives have acknowledged that the transfer was correctly executed. I have also provided all transaction details via email multiple times. 

Given that Robinhood has acknowledged the missing funds and has failed to return them, this constitutes a case of theft to the police.
Product: Credit reporting 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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 


However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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 item of information, other than records of convictions of crimes, 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. 
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit card

I had been an American Express customer since XXXX. In XXXX, I started XXXX XXXX XXXX, which allowed me to pay off some purchases with fixed monthly amounts at no interest. Every month, I logged into the American Express XXXX and paid my Adjusted Balance, which they state is This amount includes your monthly XXXX Payment Due and the non-XXXX portion of your Remaining Statement Balance. It does not include XXXX  payments due in future months. 

Upon payment of the last statement to close out the XXXX XXXX XXXX  ( which again were paid in full ), I was told that I still retained a balance on the card. I paid in full every month, so this could not be possible. A chat representative confirmed this, the rep I cancelled all my cards with confirmed this. 

This is a confirmed technical glitch that they are unwilling and incapable of acknowledging. I don't know how this happened, but it's not my fault and I do not owe the amount they are claiming that I do. I have sent them XXXX letters including XXXX certified letter. I am not asking for statements, I am asking for someone to explain the confirmed glitch as it's been confirmed I do not owe the money and have in fact paid it off. 

Either American Express had a technical glitch that showed I had made no payments to the plan, or they have illegally marketed the plans as XXXX thing and then enforced another. I intend to pursue this until it's handled, and will not return to being an American Express customer after over a decade of loyalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX .... {$300.00} ... XXXX XX/XX/XXXX ... .Please provide original documentation from this company or parent company where I allegedly signed or e-signed asking for a credit account. It has been multiple times explaining that this was not me. Original documentation has not been sent yet. Please do not send copies of a bill I explaining that my identity was compromised XXXX   XXXX XXXX .... {$300.00} ... XXXX XX/XX/XXXX ... .Please provide original documentation from this company or parent company where I allegedly signed or e-signed asking for a credit account. It has been multiple times explaining that this was not me. Original documentation has not been sent yet. Please do not send copies of a bill I explaining that my identity was compromised XXXX   XXXX XXXX  .... {$300.00} ... XXXX. XX/XX/XXXX ... .Please provide original documentation from this company or parent company where I allegedly signed or e-signed asking for a credit account. It has been multiple times explaining that this was not me. Original documentation has not been sent yet. Please do not send copies of a bill I explaining that my identity was compromised XXXX XXXX, XXXX ... XXXX XXXX XXXX XXXX ... XXXX {$430.00} ... .I am a XXXX XXXX XXXX veteran, all of my care is FREE from the V.A. Clinic. There is no reason for me to go to a private urgent care clinic. Please provide original documentation from this company or parent company where I allegedly signed or e-signed when i was seen. Please do not send copies of a bill I explaining that my identity was compromised. 

XXXX XXXX XXXX XXXX .... {$670.00} ... .XX/XX/XXXX ... .I have had XXXX XXXX for years. Please provide original documentation from this company or parent company where I allegedly signed or e-signed asking for a cable account. Please do not send copies of a bill I explaining that my identity was compromised. 


UNKNOWN INQUIRIES ACCESS/XXXX ... .XX/XX/XXXX ... .I did not give permission for this company to run inquiries on my credit report. Please provide dates and times where I gave permission to run a hard inquiry on me. Please provide original documentation from this company or parent company where I allegedly signed or e-signed asking for inquiries to be done. 

XXXX/XXXX  ... ..XX/XX/XXXX ... .I did not give permission for this company to run inquiries on my credit report. Please provide dates and times where I gave permission to run a hard inquiry on me. Please provide original documentation from this company or parent company where I allegedly signed or e-signed asking for inquiries to be done.