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

Account associated with XXXX bankruptcy still negatively impacting my credit report. Please remove
Product: Mortgage

I gave you a detailed explanation with documents on " what happened ''! You ARE NOT ON OUR SIDE!!! You 're a XXXX XXXX that collects money from we taxpayers with no real intention of helping anyone! You 're a XXXX farce, a fake! and SOON you will ALL be exposed for the XXXX, the demons, the discredit to the human race that your are!!!!
Product: Checking or savings account

On XXXX, I had over {$5000.00} in fraudulent charges taken from my bank account. I had been to a medical appointment earlier that day near XXXX, WA and lost my debit card. Almost all of those charges happened via XXXX XXXX or XXXX XXXX. Prior to that, my information was involved in a data leak and I had just purchased a new device through XXXX. Once I recognized the charges were on my debit card, I submitted a claim to USAA about this as soon as possible. The only alert I received from USAA is if I spent money at my local library ( which I did a day prior ). Now, USAA is saying that these are in-fraudulent claims and I will be forced to pay back all provisional credit when I never made the Apple Cash payments to people I do not know. 

Whats most frustrating about this situation is that I have referred business to USAA for over 8 years and been a loyal customer. I did the right thing in reporting fraudulent behavior. If this is not made right, then they will lose my business. Why would someone spend nearly their entire bank account via XXXX XXXX to someone they do not know? Its absurd and frustrating. Frankly, Im surprised that USAA doesnt have humans to speak to in the fraud department because I havent spoken to one person about this issue who works in fraud.
Product: Credit reporting or other personal consumer reports

Despite my repeated attempts to resolve the issue of fraudulent inquiries on my consumer report, I have not achieved a satisfactory outcome. These inquiries are not related to me, and I am not responsible for them. Their presence has caused me significant XXXX  and financial XXXX. As a victim of identity theft, I may have no choice but to consider legal action if this matter is not addressed appropriately. The inaccuracies on my consumer report have severely impacted my ability to purchase my dream home and support my family. For your reference, I have attached a copy of my previous letter to the Federal Trade Commission ( FTC ), which outlines this issue and requests a resolution.
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. 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: Debt collection

I periodically receive notices about an account in collections with a {$3300.00} debt. Now the debt is with I.C. System, but it's been with XXXX other agencies in the past couple of months. Each time I am alerted about the negative consequences to my credit score, I attempt to try and figure out what it this debt is. After calling the bank, all three credit bureaus ( twice ), freezing credit, adding fraud alerts, and calling XXXX / XXXX again this morning, they've told me to file a complaint with the CFPB, and XXXX has started the dispute process. I've spent probably XXXX hours on the phone dealing with this credit report account that no one can " pin down '' any information for. 

This first started when I received a letter in the mail in XXXX or XXXX of this year, I called about it, they told me the debt was for XXXX to call them, that they no longer had the debt. I am a current XXXX customer in good standing, I called and asked about it, they have no knowledge of the debt and said everything was fine on their end. 
That same day, I called all three credit bureaus, who said there were no accounts in collections for me and that this looked like a third-party agency attempting to collect a debt. Fast forward to today, XXXX alerts me via email that my credit score is being dinged, I call them, they transfer me to XXXX who is starting the dispute process.
Product: Mortgage

I applied to refinanced my home in XX/XX/XXXX with XXXX it was not completed until XX/XX/XXXX the agent at XXXX ask me to give XXXX a call because that is who she had her insurance with and they have a great rates so I called and spoke with XXXX and she gave me prices of {$1100.00} for my premium so my house payment came up to {$550.00}. My loan was sold to Penny Mac and on XX/XX/XXXX of this week I spoke with penny mac because I was trying to find out why my escrow is short {$3300.00} and my house payment has gone up to {$910.00} amount. I had been calling them since XX/XX/XXXX which at that time I had XXXX on the phone with me because penny mac said I needed to speak with my insurance company about this so on that date is when I cancel my insurance with XXXX because they were keep going up on my premium for no reason. I refinance my house for my payments to go down not up not because of my insurance neither. When I spoke with penny mac this week they informed me that XXXX had sent an invoice in for {$1100.00} in XX/XX/XXXX then another one in XXXX for {$2100.00} and they paid that one because they threaten to cancel my insurance so the persons on the phone at penny mac said that XXXX was double paid and they should have been only paid the {$1100.00} not the {$2100.00}, per Mr. XXXX in the escrow department when he was speaking with the lady in their insurance department I did n't get her name because she had a harsh raspy voice but he repeated everything she said to me. so I emailed XXXX and the person I was going back and forward with there is XXXX and she said what XXXX had quoted me was incorrect and they told me that and that is what I was supposed to pay for my insurance and I told her that is not correct and I did not refinance my home for the payment to go up and you all was not offering anything else. I have documentation to show how many times they have gone up on my premium and have incorrect information on my home. this complaint is for Penny Mac and XXXX both or at fault Penny Mac for not paying the first amount and XXXX for sending a double bill and I am having to pay for both of their mistakes and that is not fair to me. When I cancel my insurance with XXXX they return a check in the amount of {$2200.00} that would have been the premium for this year so that amount has been deducted so it left me with a shortage of {$1000.00} for my escrow and I want XXXX to send that check back to Penny Mac so this situation can be corrected they should not have sent it a double bill but when you see what they sent me it was more then double. I pray that this make since.
Product: Credit reporting or other personal consumer reports

I have accounts on my consumer report. Does not belong to me? These accounts are reporting the wrong address associated to these accounts that does not match my consumer report and information-on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS XXXX. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and XXXX because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

XXXX. UPDATE AND SUPPRESS NEGATIVE INFORMATION XXXX. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My phone numbers XXXX XXXX XXXX
Product: Checking or savings account

I received an offer from " Citibank Priority Savings '' to get {$700.00} to open an account with $ XXXX and keep it there for three months. That was up on XX/XX/XXXX and I got no money. After a couple weeks, I contacted them thru their chat and was told it takes up to 3 months " for processing. '' ( How much time does it take to credit an account!? ) So that put is at XX/XX/XXXX. In XXXX, still no money. Did another chat, they started a dispute. Dispute was " resolved '' by saying they were not aware of any such offer. Called XX/XX/XXXX and explained the situation. Asked for a supervisor. Said, " Give me the {$700.00} or close these accounts and get me a cashier 's check TODAY. '' He said that was not possible and then hung up. 

They must be held accountable for this bait and switch.
Product: Payday loan, title loan, or personal loan

They are going to my job site looking for me A person named XXXX
Product: Mortgage

First and foremost, the communication with this lender is awful. I applied for a COVID 19 Forebearance. I never received anything from them. Only when I called and listened to the answering machine did I find out that I do not have to pay until XX/XX/2020. I never received anything official in writing from them. 

On top of that,, my real estate tax bill went down XXXX. I sent this to the lender and asked for an escrow analysis. They were collecting a much HIGHER amount for the projected amount. The projected bill came in XXXX lower, and somehow in their calculation, my payment has now gone UP and not down. They are stating that I have an escrow shortage of XXXX This is impossible because they were collecting a higher amount all along. 

Finally, I want my payment due date by the XXXX of the month. They have charged me fees if I pay after the XXXX, even if their is supposed to be a grace period to the XXXX. 

Please help me with these issues.
Product: Debt collection

Credit Service International Corp, I am writing to demand validation of the debt referenced in your recent call to XXXX XXXX XXXX from phone # XXXX on XX/XX/year> @ XXXX PST. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt, and I expect you to comply promptly. 


You are required to provide the following information : The original creditor 's name and address. 
The exact amount of the debt, including a detailed breakdown of any fees or interest. 
Proof that you are legally authorized to collect this debt. 
Copies of any documents that show I agreed to pay the debt. 
You have 30 days from the date you receive this letter to provide the requested information. Additional complaints have been filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my States Attorney General Office. Additionally, I will expect this debt to be removed from my credit report and all collection activities to cease immediately. 

Provide all responses by email. 

I trust you will handle this matter with the urgency it requires. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian does not have my address showing in XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX That should be under Address year at address XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Leasing Office # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. PLEASE INVESTIGATE THIS MATTER AND HAVE MY CREDIT REPORTING ITS ACCURACY. THIS ACCOUNT HAS BEEN OPEN FRAUDUTLENTY AND I WOULD LIKE TO HAVE IT OFF MY CREDIT FILE.
Product: Checking or savings account

Over the years, Navy Federal has taken a conspicuous amount of overdraft fees from my account. In one event charging the {$29.00} fee every couple of days until the account was restored to a positive balance. I have lot XXXX  of dollars due to this overdraft fee, when the money was in fact in my account and Navy Federal has waited days to take it out or make it available.
Product: Debt collection

I filed an dispute with ERC on XX/XX/2016 and XX/XX/2016 and requested copy of original contract with my authentic signature that begun this alleged debt. I never received the contract that begun this alleged debt with my authentic signature from ERC. ERC are in violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Description : Equifax has randomly placed a fraudulent collections account on my credit file. As of today, XX/XX/XXXX, Equifax has fraudulently placed a collections account from XXXX/XXXX XXXX  onto my credit report as a negative item. While looking at the details of the credit entry that was submitted through Equifax, I noticed that randomly and completely out of nowhere, Equifax placed this account onto my credit file. The account details have no association with me or my credit report. I've never had a XXXX  credit card, I've never received a bill from XXXX  nor a collection letter referencing this account. The account apparently shows that it was established in XX/XX/XXXXfor roughly about 5 months with every payment being late and no reported data thereafter. 6 years later at random Equifax decides to find the first XXXX  person to purposely attempt to sabatage their life. What is the recourse for establishing fake phantom accounts and placing them on unsuspecting Consumer Credit files? Its disturbing to know that us as consumers have credit reporting associates that operate with such incompetence in handling our credit files ; our credit has such a significant part in our livlihoods. This is sabotage and fraud on every level and Equifax is operating out of compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

CapitalOne card has reported that I missed a payment for XX/XX/2020 & I didnt miss a payment for XX/XX/2020 XXXX
Product: Credit reporting or other personal consumer reports

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Equifax for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : - Conducting inadequate investigations that fail to address consumer disputes properly. 
- Reinserting previously disputed and inaccurate information without explanation. 
- Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

Please review the Inaccurate Information being report :
Product: Credit reporting, credit repair services, or other personal consumer reports

Kikoff is reporting inaccurate information on my Credit Report. I open an credit builder account wiht them and set the account on auto pay and paid it on time every month. Yje account was paid off Yet Kikoff is reporting one late payment, yet also reporting it 90 Days late which if was correct, would be three late payments. Both reports of information is incorrect and i asked that it be removed from my credit report immediately. 

Account Number : XXXX
Product: Debt collection

I was forwarded to a collection agency by XXXX. I had an 18 month lease that ended in XXXX and they are trying to say that I still owe money and without notice or change to my services my bill went up over {$50.00}. I've paid all that I owe and this company has threatened to ruin my credit as a result of this extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover keeps reporting debt when I was given a 1099c. And Discover refuses to state on my report that when I filed my 2020 taxes debt was reported. Discover will not change information on my credit reports. Also I need proof of the dates that Discover claims I was late. Please provide records of the late payments Discover is claiming as I dont remember the late payments.
Product: Debt collection

I sent the company a debit validation letter dated for XX/XX/2024. I did not receive the requested information back to confirm the debit is valid. I have attached the letter i sent to the company and the information they sent back. The information provided do not confirm the validity of this debit under the FARE CREDIT REPORTING ACT 15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting ( b ) Reasonable procedures
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been a victim of identity theft for over 25 years. I have a current police report I sent to Chex Systems currently on file. The following reported information and inquiries viewed only by you currently listed and showing on my Chex Systems Consumer Report : XXXX are fraudulent and not my bank checking account or inquiries : XXXX XXXXXXXX XXXX XXXXXXXX. Account Number : XXXX, Account balance : {$16000.00}, Account Closure Date : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX I have never opened or had a checking account with XXXX XXXXXXXX XXXX  The XXXXXXXX XXXX XXXX is a fraudulent account and not my account. The inquiries are fraudulent and unauthorized inquiries. They arent my inquiries. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Credit reporting or other personal consumer reports

My Personal Identifying information was used to obtain goods, services, or money without my knowledge or authorization.According to FCRA Section 605B it is illegal to report inaccurate information on my credit report without my permission. 
XXXX XXXX, ACCOUNT NUMBER : XXXX BALANCE : {$15000.00} I have no knowledge nor did i give authorization to this company.
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. Equifax is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate a such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputedaccuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Sometime in XXXX I began a refinance on my {$330000.00} mortgage and recently denied without explanation by the loan officer, loan specialist, and their supervisor. I am a XXXX XXXX  XXXX  who deserves to be treated with respect and professionalism for all the sacrifices I made for this great country.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX both have my mortgage with XXXX XXXX XXXX as being delinquent. 

I filed a complaint against XXXX XXXX XXXX back in XXXX. You resolved the issue satisfactory. I refinanced with XXXX. My loan closed end of XXXX. My XXXX loan was closed. 

To my surprise, I checked my credit score and Transunion, XXXX and maybe XXXX now have my account as delinquent. 

I called XXXX and they confirmed I was never delinquent or late.
Product: Checking or savings account

I opened a account in XXXX and I had money in the account XXXX should be left in the account and I went to withdraw money from my account and I did then the next day they had locked my account and said they are closing my account and dont want to do business then when I talked to a manger at my local bank they told me to leave and that my money will be mailed to me in a check I never received it
Product: Debt collection

Used automated robocalls to call up to twice a day but usually once a day likely in violation of the Telephone Consumer Protection Act ( TCPA ) and FDCPA and local laws.