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

Paid this account in full and it's mentioned that once payment is complete and paid in full that it would be removed from all credit bureaus. I will have a screenshot of where it says this on the https XXXX XXXX screenshot of my bank account where I paid it to collection agency XXXX XXXX, and the original document stating how much I owe with all my information. Please as I am in the process of purchasing a home and this is hurting the process. 

XXXX : XXXX / XXXX / {$820.00}
Product: Credit card

Regardless of multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The USAA SVG BK failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
USAA SVG BK XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft, there is a fraudulent account not belonging to me that is showing up on Equifax, but is deleted from XXXX  and XXXX. 
Equifax is giving me the runaround and not blocking the information based on FCRA 605B ( 15 U.S.C. 1681c-2 ) i have filed an ftc report number XXXX.
Product: Checking or savings account

On XX/XX/XXXX Key Bank NA processed a check that was dated XXXX XXXX XXXX which was then sent through our Bank XXXX XXXX XXXX. I spent XXXX years in the banking industry and realize that XXXX processes what they receive on the Fed file and the issue is with Key Bank XXXX I contacted XXXX Bank customer service and they transferred me to a local branch in XXXX XXXX The branch rep I talked to could not ( would not ) tell me which branch processed the check or what their policies were on stale dated checks. My wife has a XXXX person interior design business, XXXX XXXX XXXXXXXX, and the records do not go back to XXXX. My banking experience tells me that most organizations will not process checks over 180 days old. My other concern is for expiring stop payment orders... do I need to close my checking account for fear other stale dated checks may be processed without warning? Thank you for reviewing this matter.
Product: Checking or savings account

On XX/XX/2022, I had an issue with fraud on both my online banking and also in branch withdrawal fraud. To begin someone was able to access my online banking and transfer funds from my savings to my checking account and then make two separate in branch cash withdrawals. On the morning of XX/XX/XXXX, I realized what had happened, so I immediately went and spoke to my local Wells Fargo branch. In doing so I took all precautions that I possibly could including filing fraud claims for the online transfers and also a separate one for the in-branch withdrawals. In addition, I also set up new checking and savings accounts to further prevent any additional fraud that may happen. One of the withdrawals what's for the amount of {$6000.00} and the second was for {$6500.00} for a total of {$12000.00} lost. Since the claims were filed, I have kept in almost constant communication with my local Wells Fargo branch and the online fraud help center. This communication has been reciprocated very poorly and I have learned a little on my situation.
Product: Credit card or prepaid card

I called XXXX XXXX XXXX about having to miss four payments. I felt that didn't show empathy, and was rude. From XXXX to XX/XX/2021, due to going through a difficult divorce. The spouse left the residence and left me in a financial bind. From XX/XX/2021 to Currently I haven't missed a payment. All I am asking to revive the four late payments off my credit report. 

Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no clue who SageStream is and their inaccurately reporting my credit score to companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBCINNOVIS has placed a credit inquiry on my credit file on XX/XX/XXXX that was never authorize by me. I have called them to inquire about this and they referred me to a company call Guaranteed Rate. I have contacted Guaranteed Rate via email at XXXX on XX/XX/XXXX at XXXX and spoke with a representative by the name of XXXX XXXX . In like manner, I contacted them via phone calls on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX. During my phone calls I was transferred to account manager Mr. XXXX XXXX who told me that he submitted a correction for the reversal of the inquiry to be made since it was made by mistake and that he was going to submit the correction to the credit bureaus XXXX, XXXX, XXXX, and CBCINNOVIS but the credit bureaus day they never received anything from him. 

In addition, I have affected by this error greatly by my credit score dropping from XXXX to XXXX that day alone. Before this, I had been working really hard to keep my score increasing to XXXX by paying my bills on time and removing other accounts that never belonged to me which hasnt been an easy process. It is unfair and a violation of my consumer rights what CBCINNOVIS has done along with Guaranteed Rate. Please assist me in resolving this matter.
Product: Debt collection

I have repeatedly attempted to resolve this issue with this creditor GM financial. This company is well aware that this account is a result of identity theft and continues to collect and report this fraudulent account on my credit report. I have contacted this company, disputed this, contacted the credit bureau numerous times, and this company have repeatedly defamed my character. As of today this account still remains in my credit file even tho Ive advised them of the identity theft and provided documentation. I have provided suspect information. Identified the woman XXXX XXXX in a line up at the police department, sent the police report to the credit bureaus as well as this company GM Financial and this company still is violating the law. In XXXX of 2019 this company sent this fraudulent account to a collection agency still attempting to collect on an identity theft account ... I am reporting this company and filing an official complaint as this company will be held accountable if they continue to report this account in my consumer file ...
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 practice, which violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely and effective measures to prevent any address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their disput 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 see appropriate redress for these violations.
Product: Checking or savings account

On multiple occasions Chase has waited to debit smaller transactions from my account until a rent check has overdrawn the account so multiple overdraft fees can be charged. For example, they waited to post 4 transactions, that showed as debited from the account but pending, until my {$1500.00} rent check cleared on XX/XX/19. After the check cleared the 4 transactions posted and the charges me the maximum 3 overdraft fees. They have 3 more waiting to post and historically these transactions have not remained in pending for multiple days but there is a pattern of Chase clearing debits to charge fees. This happened last month as well when they hit my account for over 10 overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I've already told you that my full name is XXXX XXXX please remove all of the incorrect names you are reporting as soon as possible!
Product: Mortgage

Foreclosure with Rushmore Loan Management/Rushmore Servicing/Mr . Cooper/Nationstar/ XX/XX/XXXX Hearing cancelled XX/XX/XXXX Court hearing that we were not notified about until receiving mail dated after XX/XX/XXXX! Yes the Supplemental Order Post Judgement has the incorrect date of XX/XX/XXXX vs. XX/XX/XXXX! Is this a legal binding document?? 
XX/XX/XXXX Rep with XXXX XXXXXXXX XXXX XXXX XXXX spoke with XXXX XXXX XXXX at Rushmore- all personal info verified as correct. No mention of XXXX court proceedings. Never received any documentation from Nationstar Mortgage/Mr.Cooper, except for data breach info with Mr. Cooper we were mailed that dated XXXX XXXX XXXX XXXX XXXX spoke with XXXX on XX/XX/XXXX who stated mod in review and no sale date pending at this time XXXXXXXX XXXX 
XX/XX/XXXX Sale completed We were not given the opportunity to attend XXXX scheduled hearing in this case. We were never notified they received, reviewed, denied modification, therefore no appeal rights given... We have received several packages for modification possibility in the past but now outlined in legal documents not eligible? How was that determined and when? We owed an est. $ XXXX and had over $ XXXX in equity. We only wanted to be considered for modification, absolutly did not want to refi and increase the balance! However would have done whatever it took to kkep our home! Became delinquent in XXXX, the onset of XXXX XXXX. We lost XXXX of household income, spouse lost job a year later... had to XXXX XXXX XXXX XXXX XXXX.. we simply had a few tough years. Never thought we would basically be refused of any options from the servicers! XXXX XXXX homeowners assisted since XXXX and we are foreclosed on the only home we've had for 34 yrs!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  reporting negative information on credit report. According to 15 U.S. Code 6802 ( B ) it's illegal to
Product: Checking or savings account

On XX/XX/2022, I received an email from what appeared to be Bank of America to verify information on an online bank account submission. Immediately following this email, I recevied another email that account was opened and activated. I contacted Bank of American on XX/XX/2022 and spoke with a representative to let them know that I did not open an online account. The rep said that they did not have an account in my name. I then sent an email to the fraud department to let them know that I did not authorize the account. On XX/XX/2022, I receivegd a bank statement from Bank of American showing the account and listing the account summary. However, I did not authorize the opening of the account. On XX/XX/2022, I received another letter that because the account information was not verified, the account was closed. I contacted Bank of America on XX/XX/2022 to see what information was used to open the account in my name. After going through 3 representatives and holding for XXXX hours, I was informed that my social security number was used, but when I asked what documentation was provided to verify identity, the rep placed me on hold. I then went to a Bank of America location in XXXX ( XXXX miles from my house ) and spoke with a representative ( XXXX ). He informed me that Bank of America does not require identity verification at the time of opening an online account, but it is required once the account has been established. This practice lends itself to fraud because without initial verification someone can actually set up an account in someone else name using their information. There has recently been a data breach in XXXX with a XXXX provider, and my information was a part of that breach. XXXX informed me that they have had several customers call because they had accounts opened in their names at Bank of America as well. Again, the procedure should be that identity is verified before the account is opened.
Product: Credit card or prepaid card

Someone applied for a credit card with my personal information with Capital One without my knowledge or consent and its identity fraud.
Product: Mortgage

First and foremost I have filed three complaints with CFPB and each time I fax the number on your website to provide additional documentation it is never uploaded to my account to reflect faxes sent on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and so on for case  XXXX  Ditech also known as Green tree servicing LLC reallocated my funding incorrectly.   They have sent a representative to my home on  XXXX / XXXX / XXXX , they have sent me two collections letters on  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  when my loan was prepaid as on  XXXX / XXXX / XXXX  until  XXXX / XXXX / XXXX .  Ditech  is fabricating response letters and resolution letters being sent to me after a failed resolution to fix my payment allocation went unanswered for 10 months. Proof of that is a recorded call with their  director  who states the only  XXXX  wo letters in the system are two lett ers sent in    XXXX   XXXX   XXXX   a nd  XXXX   XXXX  which I relay to her was never received. The reallocation of their initial application of my bimonthly payments they allege they did was done incorrectly. If applied correctly, principle balance would decrease because they were provided extra payments. However their reallocation reflects that my principle balance increased so please explain to me why are you CFPB closing my complaints without uploading my additional documents  # 1 a nd then closing it when there still remains outstanding issues  XXXX   XXXX
Product: Money transfer, virtual currency, or money service

I am filing a claim against Cash App. ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPB ), 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 ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

My accounts were hacked and it looks internal. The full print out of transactions i recieved initially is not the same as what i recieved today. XX/XX/2021. Accts XXXX and XXXX were hacked and money stolen and transactions put in the system that are not valid to appear as though i did it. I put a fraud alert on my checking when i noticed my accounts were compromised and chase did not secure my money in any way and i continued to be hacked and money stolen
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an 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 Fraud 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

Subject : Request for Removal of Unauthorized Credit Inquiry Dear Experian I hope this letter finds you well. I am writing to formally request the removal of an unauthorized or inaccurate credit inquiry from my credit report. Upon reviewing my credit report, I noticed an inquiry listed that I do not recognize or recall authorizing The details of the inquiry in question are as follows 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 I have thoroughly reviewed my records, and I can confirm that I did not authorize these inquiries.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate or unverifiable. I have already contacted the original creditor who pulled my credit report and filed a dispute with them as well. I kindly request that you investigate this matter and remove this inquiry from my credit report as it does not belong there. 
Please confirm in writing once the inquiries have been removed, or if any additional documentation is needed to support my request. 
I appreciate your prompt attention to this matter.
Product: Debt collection

I do not owe any one money. I paid all my doctors bill and every other bill I have so I don't understand why they keep calling me. Then they want my personal information and they will not tell me who I owe money to. I have not received any late or collection bill either so I don't know what they say I owe. I asked they to mail me a letter again they want my personal information with I will not give. Please help.
Product: Student loan

I have receiv ed 100 's o f calls from various numbers - most predominantly  XXXX  and  XXXX . The recorded message intimates that student loans can be forgiven. When you press through to the person, they ask for your student loan ID, which is a  SSN  for most people. They then try to sell you a bogus service. I have asked them repeatedly to stop calling. Apparently this is  one  of those " work from home '' scams - so not only are they attempting to scam me, but those who are calling are also victims of a scam. The phone # 's on caller ID are all spoofed. Please do something - this is widespread fraud against people who are already subject to the fraud committed by  XXXX  and similar service rs (  XXXX , Mohela ) who  frequently attempt to scam customers as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX  XXXX with the ACCOUNT # XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX EXPERIAN XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX ACCOUNT # XXXX Please do not respond with identification verification, this is indeed XXXX XXXX XXXX
Product: Checking or savings account

My business partner and I opened a Chase Total Business Checking account on XX/XX/2018 with {$200.00} in cash. We subsequently deposited a {$10000.00} check in late XXXX from our first contract. Without warning, our account was closed. We immediately went into the Chase location where we opened the account and were informed that the account was closed for " Suspected Fraudulent Activity '' which after further discussion was revealed to be the addition of a comma in the name of our business on the check we deposited. ( Our official name is XXXX XXXX XXXX. The check was made out to XXXX XXXX, XXXX. ) We were told that the initial {$200.00} cash deposit would be returned to us via check. It was. We were also told that the {$10000.00} check was not cashed, and so our client would need to stop payment and reissue the check to us. However, when our client went to do so, it was discovered that the {$10000.00} check was cashed by Chase. 

We have tried multiple times over eight months to resolve this issue, however we end up on hold with Chase for hours at a time. They have not responded to our numerous attempts to rectify the issue.
Product: Credit reporting or other personal consumer reports

I am the Victim of Identity theft Please block and remove this account in accordance with section 605 B of the FCRA.

the account is : XXXX XXXX XXXXXXXX {$47000.00} XX/XX/2023 I have filed a Police report and a FTC report. The names on the fraudulent account is wrong as well as the address.
Product: Money transfer, virtual currency, or money service

In an attempt to become more financially stable, I am attempting to invest and save. Unfortunately PNC bank has changed and I am now unable to use apps such as XXXX This is extremely disappointing. The inability to control where my funds goes and how I invest. I would love to see this change.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. I am exercising my rights under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), which entitle me to request the blocking and removal of accounts and inquiries linked to fraudulent activities as a result of this breach. 
Below are the details of the accounts and inquiries that I request be blocked and deleted : Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Amount : {$7200.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Amount : {$630.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Amount : {$1800.00} Inquiries : 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
Product: Credit reporting or other personal consumer reports

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address. 

Please remove these fraudulent accounts, and update or correct the inacurate informations on credit report. As you know they are in violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXXXX/XX/20XXXX XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023