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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number Last XXXX : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , 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 Accounts : 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. 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 XXXX XXXX XXXX XXXX XXXX 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 RECEIVED A COUPLE OF BILLS IN THE MAIL STATING THAT INEED TO MAKE A PAYMENT FOR A LOAN. I DONT OWE A LOAN, I DONT HAVE ANY LOAN UNDER MYB NAME. THEN I CALLED XXXX XXXX MY INFORMATION HAD BEEN USED TO OPEN THIS ACCOUNT. I GOT A COPY OF MY CREDIT REPORT AND SAW TWO BANKRUPTCIES AND A COUPLE OF INQUIRIES. ACOUPLE OF OTHER FRAUDULENT ACCOUNTS THAT ARE NOT MINE. I HAVE NEVER SEEN THESE ITEMS IN MY LIFE. PLEASE REMOVE THESE ITEMS FROM MY REPORT. THANK YOU
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I requested my HSA account balance be transferred over to my XXXX HSA account. Last year, I completed such transfers without any charge or issue. This time, rather than specifying a specific amount to be transferred, I requested the entire balance be moved ( ~ {$2300.00} ). 

Upon receiving my request from XXXX, HSA Bank readied to move my transfer. However, unlike before, they deducted {$25.00} from the total transfer and closed my account after sending the check out to XXXX. 

During this account closure and unexpected fee, HSA Bank did not attempt to contact me ( Email/Call/Text etc. ). When I noticed the {$25.00} charge on my account while reviewing, I contacted HSA Bank immediately. There, I also found out my account had been closed without any discretion or grace period provided. 

What is important regarding this account is the fact that it is my employer-sponsored account : I receive bi-weekly contributions from my employer as well as those I elect myself. This is not an account that can be simply closed as it has recurring transfers through the year. 

Closing this account not only impacted my ability to receive my employer contribution but also jeopardized my own elections from my paycheck. The lack of communication and transparency provided by HSA Bank is not something any consumer should have to put up with.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach that has resulted in the unauthorized use of my personal information. As such, I am requesting the immediate blocking and deletion of the accounts listed below from my credit file, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These provisions entitle me to the removal of fraudulent information resulting from identity theft. 
The following accounts have been identified as fraudulent : XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$560.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$1400.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$730.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, my mom who was 93 years needed a new furnace. We called XXXX XXXX, they ran her credit, she was denied. I applied as a co-signer, we were approved. The furnace was installed. 

Sometime in XXXX I tried to make a payment. I discovered a week later that the payment was returned. I called Greensky because when I looked at my account, it showed a XXXX balance. Someone was going to check and return my call. No one returned my call. 

In XXXX XXXX XXXX called, they told me my loan had not been activated and to call Greensky. I called Greensky and they told me I had a XXXX balance. I explained that it could not be. I send then a snapshot of my account balance. They said they would do some checking and get back to me. No one called. 

I was told that because my loan was pass the deadline and I would have to apply again. So I did. On XX/XX/XXXX, I applied again. I continued to check my account and it continued too be XXXX. 

XX/XX/XXXX, XXXX contacted me to inform me that the loan was getting ready to expire and that Greensky needed the loan activated. I explained that I had followed up several times with no resolve. That my account still showed a XXXX balance. I sent them a snapshot. 

Some time in XXXX I called and I was told that my loan was canceled due to fraud. When I inquired why, I was told that someone called it in as a fraud. I explained that it was not me. Perhaps the fraud was on the wrong account. I ask them who called to report it. They couldnt tell me. On XX/XX/XXXX I applied again. XX/XX/XXXX I received a letter. They didnt process it because I now had a credit freeze on XXXX due to the fraud. 

I applied again. On XX/XX/XXXX I received another letter stating that my credit score was XXXX but that I had key factors affecting my credit. When I called Greensky for an explanation because the credit score indicates good credit so the key factors were unsubstantiated. I asked to speak to a supervisor or manager. I was told there was no one else I could talk to. 

I then called XXXX XXXX, they own Greensky. I asked for help and was assured they could get help for me. They transferred me to another customer service rep that told me again that there was no one to talk to since I had been declined. 

I applied again last week and was declined. I called them and was told for the same reason above. That I would have to wait for my letter.
Product: Money transfer, virtual currency, or money service

I did some online trading on the platform etoro. Have tried to withdraw funds several times and it was always something different that I needed to do differently. I had to always come up with a lot more money to withdraw funds I also paid taxes on this money that I never received
Product: Credit card or prepaid card

I was charged a {$30.00} late fee twice in the past year. Payments were sent by check 10 days before the due date. Twice my payment was processed a day late only when I did not have an existing balance with them. 

Once in XX/XX/XXXX and again XXXX of XXXX. 

In XXXX my {$30.00} was waived. The XXXX late fee was not since I had already received this type of credit to my account in the past 24 months. 

I feel this credit card company does not have the staff or is intentionally applying late fees to their customers. 

I feel they are defrauding me and issuing a late fee due to their staffing or business practices. 

This has not occurred on any of my other payments to XXXX and XXXX... .EVER.
Product: Credit card or prepaid card

Credit Karma heavily advertises its credit card on XXXX claiming free food, gas and other items without any disclaimers or actual information.
Product: Credit card or prepaid card

I got a new Apple Card from XXXX. I have only had it a couple of months and have not missed a payment. On XX/XX/21 I paid my statement balance of {$2800.00}. It was taken from my bank account but the issuer informed that the payment and the card have a hold on it until XX/XX/21. They told me it was due to a reversed payment in the past and that in the future to have my payments in on time. I have not missed a payment and have not carried a balance. I was able to provide proof on that and they determined that there had never in fact been a payment reversal. They tried twice to release the hold but were unable to do so. I asked for an explanation as to why and was told by the supervisor he doesn't know why. He submitted a complaint on my behalf telling me " I might hear back from someone ''. This is clearly a way to deter people from paying the statement balance so they can collect interest. So now I am missing nearly {$3000.00} from my checking and can not use my Apple Card for two weeks.
Product: Checking or savings account

Around XXXX XXXX, USAA informed me that a person named XXXX from XXXX, Texas compromised my checking account. Then on or near XXXX XXXX, I received a call from USAA ( shown on caller-ID ). I followed the instructions of what I believed was USAA representative. From XXXX XXXX, this individual was conversing via phone and having me do what I believed as notational transactions in XXXX wallet. I had never used XXXX wallet and was not aware that actual financial transactions were viable. USAA FRAUD DIVISION conducted an investigation and to my knowledge, no loss on either side. Unfortunately on XXXX XXXX, my USAA account was suspended. I called and was informed that in 60 days, my checking and credit cards with USAA will be canceled. 
On or about XXXX XXXX, I called USAA to report what I believed to be a fraudulent act. I requested immediate, change to my debit and credit cards. I feel that I acted as a reasonable prudent person as this issue. I have no recourse and all my 2 payroll checks are being direct deposited in the USAA ACCOUNT. I have no access to my cash nor will any of my bills be drafted from the USAA checking accounts. 
This can cause grave harm to my financial standing and lost of my superior credit rating
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX Account Balance : {$32000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. 
The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX Balance Owed : {$4300.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00}.
Product: Credit reporting or other personal consumer reports

I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report associated with XXXX XXXX XXXX ( Account Number : XXXX ). 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( 7 ), credit reporting agencies are legally required to provide a description of the investigation procedures used within 15 days of receiving a consumer dispute. Despite my previous requests, I have not received sufficient documentation explaining how this account was verified or what measures were undertaken to ensure its accuracy. 

Additionally, under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601, all credit information must be accurate, complete, and transparent to protect consumer rights. The lack of clarity in the investigation process not only raises concerns about the accuracy of the reported information but also violates the fundamental principle of consumer protection. 

Details of the Disputed Account : Name of Account and Account Number : XXXX XXXX XXXX XXXX I kindly request the following : A complete description of the procedures used to investigate and verify this account. 
Any documentation, evidence, or information relied upon during the verification process. 
If you can not delete this account immediately due to verification issues, I request that you provide the required information in full compliance with the FCRA and TILA. 
I appreciate your prompt attention to this matter and expect a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Debt collection

Well my ex girlfriend started a XXXX account in my name and used my Social Security number to do so and got approved for an XXXX and ran the bill up and did not pay it and now Im stuck with that debt and I just dont think thats right or fair because Im not the one that made that debt and now I got the credit reporters telling me that theyre gon na keep it on my account where I still got ta pay it in order to get it off my account and I just think thats complete XXXX because Im not the one that ran that bill up it was my ex-girlfriend so why do I have to be the one to be punished for it?
Product: Mortgage

This account has been brought current by after two years of problems with PHH MORTGAGE SERVICES ( who also made us go through XXXX XXXX XXXX XXXX for a while and then said that it was just advertising ). The problems with PHH have been EVERY MONTH. They delay posting payments and then claim they are late, then put monies in a holding account, then years ago that forced us into bankruptcy to keep our home of 20 years at that point. Now that account is was again up-to-date, we tried to make the XXXX pmt online but they account said that service was UNAVAILABLE to us ( But this is the tactic starting all over again that they use to delay pmts and then claim pmts are late ). We made a phone pmt on XX/XX/XXXX. It is now XX/XX/XXXX and they still have not posted the pmt. We have talked to them 3 times since making pmt. Each phone call last average of two hours. They PURPOSEFULLY make it Very difficult to pay. We called on the XXXX and asked why the pmt wasn't posted, they claimed bank rejected it. We went to bank and got a read out of the day before, day of and day after and talked to bank. They said PHH never attempted to withdrawal funds even though PHH claimed it was bank error. It was NOT. On XXXX XXXX  they reinitiated the pmt and again said it would not post for several days ( they declined to make a debit card payment and only would accept check ). We also have attempted to fill out paperwork to be able to make online pmts. NEVER has any other company been so deceptive, and purposefully negligent that makes it close to impossible to make payments and have them correctly posted. XXXX XXXX in the loan holder and they used to use OCWEN Mortgage Servicing but had to pay out due to fraudulent/predatory lending. They had to pay us as well. Then they just changed names to PHH but same fraudulent/predatory practices are remaining. WE WILL NOT LOOSE THIS HOUSE. THEY WILL NOT WIN! 
Last time they did this they held all our funds they would not apply to account ( because they said since it was late it was all due... BUT this is how they make it 'late '!! ) They held several XXXX in a holding account and that was never applied. They steal funds, they lie, they make you wait for hours to take care of Any business and don't apply. I want to be able to pay my bill online and have it applied TIMELY. I really want another servicing company that is not negligent and VILE THIS IS A COPY OF THE COMPLAINT I MADE TODAY THROUGH DEPARTMENT OF SAVINGS AND MORTGAGE LENDING. I WILL KEEP SUBMITTING UNTIL THIS PREDATORY BEHAVIOUR STOPS
Product: Mortgage

On XX/XX/XXXX we I closed on the sale of my home. 
We had a Mortgage that was with Select Portfolio Servicing , Inc . 
The payoff of the mortgage was received by Select Portfolio Servicing , Inc. on XX/XX/XXXX This mortgage was assigned to XXXX XXXX XXXX XXXX XXXX, as Trustee for the benefit of the XXXX XXXX Seasoned Loans Structured Transaction Trust, XXXX XXXX whose address is c/o XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The mortgage has still not been satisfied at the XXXX County Clerk 's Office, XXXX New York We have made numerous attempts to get this company to satisfy the Mortgage. They told us it was paid but now 8 month later the mortgage is still not released at County Clerk 's Office. 
They are very uncooperative.
Product: Debt collection

David E. Gray, Attorneys at Law, LLC XXXX XXXX is my contact with the company. 

I arranged an agreement with the company to pay $ XXXX/month until my debt of {$350.00} was paid off. 

I have been charged more than the agreement more than once and after I have contacted XXXX to cease. 

The payments are electronic payments through my debit card with my checking account. 
I am low income and even such a low debt is extremely crippling to me. I can not afford to eat now because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to provide me with my free copy of my annual credit report as required by law. I sent a written request on XX/XX/XXXX 2019 and attached a copy of my final divorce order reflecting a name change, driver 's license with my current address and a new name, and a copy of social security card. 

On XXXX XXXX, 2019 Equifax sent me a letter, indicating that they are supposedly unable to locate my file with the information I've provided and re-requested the same information. I thought that was odd because they clearly had my credit file when it was breached in XXXX, compromising my personal information! 

I sent another letter on XX/XX/XXXX, 2019, and again provided copies of final divorce order, driver 's license and social security card. On XX/XX/XXXX, 2019, Equifax, again denied my request for the same reason. 

I was also denied the ability to make the request online and was not able to get to a live person while trying to navigate through their telephone system.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act you are reporting information that is a violation of FCRA 1681b ( a ) ( 2 ) Equifax, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Title 15 USC Section 602 states I have a right to privacy. Title 15 USC Section 604 states a credit reporting agency can not furnish an account without my instructions.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued concern and disappointment concerning the persistent inaccuracies related to a late open account on my credit report, despite multiple attempts to have it corrected. The presence of this inaccurate information is significantly affecting my creditworthiness and financial standing, and I urge you to resolve this issue promptly. 

I have made multiple attempts to have this issue addressed, yet the inaccurate information remains on my credit report. Copies of my previous dispute letters are enclosed for your reference. 

I kindly request that you conduct a thorough review of this matter and take immediate action to correct my credit report by removing the inaccurate late open account. The Fair Credit Reporting Act ( FCRA ) mandates that credit reports must be accurate and up-to-date, and the persistence of this inaccuracy is a violation of my rights. 

Enclosed with this letter, you will find the following documents : Copies of my previous dispute letters submitted to your bureau. 
Supporting evidence that demonstrates the inaccuracies, such as bank statements, correspondence with the creditor, or any relevant documentation. 
I expect a written response from your bureau within 30 days of your receipt of this letter, as required by the FCRA. Your response should include the results of your investigation, the actions taken to rectify the inaccuracy, and a revised copy of my credit report reflecting these necessary corrections. 

Furthermore, please ensure that you notify the creditor associated with this inaccurate account about the dispute and provide them with the necessary documentation, as required by federal law. 

The continued presence of this inaccuracy is causing significant harm to my financial well-being and creditworthiness. I trust that you will prioritize this matter and work diligently to resolve it promptly to restore the accuracy of my credit history. I am asking for your assistance to correct this late open account which is being reported in XXXX and Transunion Credit Bureaus : XXXX XXXX Balance : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the XXXX XXXX XXXX account # XXXX, XXXX XXXX acount # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, account # XXXX, account # XXXX, XXXX XXXX account # 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 an account without my written instructions.
Product: Debt collection

Today I pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a contract with this company and they have never provided me a service.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX credit reporting agency , 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. The accounts are- 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 opened XX/XX/XXXX XXXX : XXXX l 've reached out to the companies and haven't received any type of feedback back
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Federal law, I have a rights to an Fair and Accurate consumer credit report.You have failed to do so. Im demanding to know HOW DID YOU VALIDATE, VERIFY, this Debt by Federal law. Every month SOME companies are reporting newer accounts on my consumer report.

This is damaging to my FICO score continues artificially.

Show me physical contractual agreements with the reporting companies? 
According : FCRA. XXXX if not remove immediately. 

Violation of Section 807 15 USC 1692e Violation of Section 805 15 USC 1692C ( b ) Violation of Section 809 15 USC 1692g You have not provided me with Any Original signed contract agreements in PLACE with me and these Companies, nor any type of written permission to communicate with me. Yet they are Reporting on my credit report, which isa form of communication.I have also file a complaint with Federal Trade Commission about this reporting abuse to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is a XXXX company that allowed nearly half the countries information to be hacked so they could pay themselves more. XXXX those XXXX XXXX.
Product: Debt collection

Plus Four Collections never mailed me a 30 day notice to this debt.