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

I have been working with Transunion for over four months and they have yet to fix my issues. I have two accounts on my credit report that do not belong to me. There is a credit acceptance account that was a repo that shows a balance due of around XXXX dollars. This account was never mine. It's my understand that my social security number was used to obtain this account, however, when I contacted credit acceptance directly, they couldn't assist me as I was unable to provide any information other than my social security number to verify the account. I went by the police for fraud assistance and they said that since they didn't use any of my of my information such as my date of birth or my name it might have been a error with the social like the transposed the numbers so I they wouldn't issue me a police report. 

My second issue is with XXXX XXXX. They are a collection account for an account I never had. They said it was for a utility bill in XXXX XXXXXXXX which I never resided in. Transition shows the account was closed in XXXX so why it's even been reported in XXXX is beyond me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX  : {$6000.00} ; XXXX  XXXX XXXX  : {$1000.00} XXXX XXXX XXXX XXXX XXXX  : {$810.00} ; XXXX  XXXX XXXX XXXX  : {$590.00} ; XXXX XXXX XXXX  : {$2300.00} XXXX XXXX  XXXX XXXX  : {$670.00} ; XXXX  XXXX XXXX  : {$220.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX  : {$190.00} ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Pro Collect, Inc out of XXXX Texas listed a collection that I knew nothing about and is not mine. {$2700.00} on XX/XX/XXXX. They have my social security number and can't or won't explain where they got it from. I talked with them on XX/XX/XXXX about this issue. They're not telling me who submitted this information to them so I'm not able to contact the creditor to dispute .t. I disputed it to all 3 credit bureaus and XXXX was the only on that didn't remove it from my file. They stated that Pro Collect Inc said the information was correct. I know nothing about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Bank sent me a XXXX C debt discharged in the amount of {$2000.00} in XX/XX/2015. However they have reported this account to XXXX, XXXX, and Experian as Opened account more than 180 days late the amount being {$3300.00}. I have written all three credit agencies and I have sent them copies of the IRS form but they will not report this accurately. I now have a Compliance Condition Code placed on the credit reports and have been told in writing that this code will not be taken off until I agree that the information is being reported accurately. I have had hundreds of credit accounts in my 48 years of life and I have not ever been threatened to say something that is fraudulent and inaccurate.
Product: Debt or credit management

The collection company has refused to provide their license number or any legal basis for the alleged debt. Their representative, in an ultimatum, demanded {$5000.00} and threatened to file criminal charges against me if I did not comply. I do not have any outstanding debts to any company or individual. I am a debt-free person. This company should lose their license for harassing innocent individuals. I am not alone in this situation ; there are numerous complaints about this company 's illegal practices.
Product: Checking or savings account

Today, Friday, XX/XX/2023 at XXXX XXXX an email and a text message came through congratulating me and thanking me for opening a checking account with Capital One bank. The issue here is that I never opened a checking account with capital one and unfortunately had to wait until XXXX XXXX to call them since that is when they open. I spoke for almost an hour to different agents, and none of them were able to provide any clear information or next steps or transparency around the fraudulent checking account that was opened in my name. They told me because I did not open the account they could not give me any information even though the account was opened in my name fraudulently. I spoke with three different consumer protection agents at Capital One : XXXX, XXXX and one female named XXXX, and all of them stonewalled me and gave me the same company spiel about privacy, which is all great, except it was my privacy that was being violated and they were doing nothing about it. They told me they flagged the account as fraud and they closed it and further communication would be sent right away, but I have not received any communication or confirmation that the account was actually closed. I was also told that because it was opened and closed the same day no big deal basically and there is nothing that happened but actually it is a big deal to me because they allowed a fraudulent account to be opened under my name and they were offering no guidance, no instructions, no follow up, no confirmation, either written or on the phone about any next steps or things that I could do to protect myself from this happening again. I do not bank or do any business with capital one and it felt like they were being dismissive and flippant about this fraud that was committed. They did not send an email to confirm that the account was closed and would not tell me about follow up actions or steps that were going to be taken by them. They left me with nothing other than have a nice day. I am disgusted by capital one, and their consumer protection department, because they did nothing to protect me or ease my concerns and I need to know whats going to happen, and what next steps theyre going to take to protect me from this happening again. I was trying to get information so that I can protect myself but they kept citing privacy. Even though an account was opened under my name they kept citing privacy concerns. Whos privacy are they protecting? The person who committed the fraud or are they trying to protect themselves from legal liability? I need answers and I need this to be investigated more thoroughly.
Product: Credit reporting or other personal consumer reports

I am writing to EXPERIAN to formally address fraudulent and inaccurate information that persists on my credit file as a result of identity theft. This erroneous reporting continues to harm my credit reputation and has caused ongoing damage. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) to demand an immediate investigation and removal of these fraudulent entries. 

The associated Federal Trade Commission ( FTC ) Identity Theft Report, reference number XXXX, provides comprehensive details of the fraudulent accounts in question. Upon reviewing my credit report, I identified multiple suspicious and unauthorized accounts that were opened without my consent. These entries are not only inaccurate but lack any legitimate basis or proper authorization, violating my rights under federal law.

Under Title I, Section 151 of FACTA, credit reporting agencies are obligated to ensure that all reported information is accurate and verifiable. The continued presence of these fraudulent entries constitutes a clear violation of federal law and EXPERIAN 's duties as a credit reporting agency. Furthermore, the failure to maintain accurate reporting exposes EXPERIAN to potential liability under the FCRA for non-compliance.

I request that EXPERIAN promptly conduct a thorough investigation into the fraudulent entries I have identified. I also demand that all inaccurate and unverifiable information be immediately blocked and removed from my credit report. Additionally, I request written confirmation of your findings and the actions taken to ensure compliance with the FCRA and FACTA.

Failure to address these inaccuracies within the legally prescribed timeframe may leave me with no choice but to escalate this matter. This could include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies, as well as pursuing legal remedies to enforce my rights.

Thank you for your immediate attention to this matter. I trust EXPERIAN will act swiftly and in accordance with its obligations under both federal and state consumer protection laws.
Product: Debt collection

I have recently sent letters to dispute medical collections on my account to the Collection Agency, I was requesting verification that this was in fact my account, I did not receive verification, however I did receive copies of the procedures that were completed.. this is a HIPPA violation. I have requested that these files be removed from my Equifax CB, I received response from Equifax that this account was verified as accurate and updated.
Product: Checking or savings account

I discovered and reported fraudulent use of my checking account to Robinhood. While they assisted in resolving my fraud concerns, they subsequently closed both my checking and investment accounts without providing a clear rationale. 

I have been a long-term customer of Robinhood and have relied on their platform as a primary investment tool for years without any prior issues. Their prompt closure of my accounts following the resolution of a fraud issue feels punitive and unjust. Robinhood advertises a zero-liability policy for fraudulent activities, but what benefit does this offer if they immediately terminate accounts after a customer exercises this protection? 

I am aware that financial institutions have the discretion to close accounts for various reasons. However, according to the Consumer Financial Protection Bureau 's ( CFPB ) regulations, actions by financial institutions should be fair and transparent. It appears deceptive and unfair to penalize a customer who has followed proper procedures to address fraud. This action has not only disrupted my financial management but has also eroded my trust in Robinhood 's commitment to customer protection and service.

I respectfully request that Robinhood allow me to reopen my accounts. I believe this would demonstrate their good faith and commitment to supporting customers who encounter fraud through no fault of their own. Additionally, it would help restore my trust in their services, which I have valued for many years with only this XXXX incident.
Product: Credit card or prepaid card

I had a Synchrony Amazon Store Card for a few years now. I have used the card regularly and always paid off the full balance on the card. Before and during XXXX XXXX XXXX this year ( XX/XX/XXXX ), I made multiple purchases at XXXX and charged it with the Amazon store card. The store card purchases can receive 5 % cashback on all XXXX purchases, and during the XXXX XXXX promotion periods, they run a promotion for 10 % -25 % cashback on some items. I made several purchases with those promotions. However, the bank closed my account on XX/XX/XXXX. I contacted their agent online and was told that I have too many cards with Synchrony. However, I have only one card with them - Amazon Store card. I don't understand that the definition for Synchrony of too many is 1. The agent said she/he would escalate the issue with higher management and would get back to me, but no one contacts me at all. 
I believe that the only reason that the bank closed my account is due to that they would need to pay me the rewards for my XXXX   purchases before and during XXXX XXXX  XXXX XXXX promotion. The only way for them to avoid paying those rewards is to close my account. That's why their agent made up things such as I have too many accounts with them, while the fact is I only had one.
Product: Checking or savings account

I spoke with my bank XXXX XXXX XXXX XXXX XXXX about some unauthorized Zelle payments but they stated they couldnt reverse it and they closed my account after I disputed the tranactions
Product: Money transfer, virtual currency, or money service

I am filling complaint against cash app ( Block , inc, ) due to inadequate customer service and unfair practices, which violate the customer 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 didnt 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX XXXX ) closed XX/XX/2018 sold account to XXXX XXXX XXXX XXXX, I ask them to produce a itemized and detailed contract or agreement to pay with my wet signature and was not provided any type of documentations to prove I owed this debt. XXXX XXXX XXXX XXXX then re-aged the debt meaning they intentionally gave false information about the age of this debt in question. Transunion, XXXX, XXXX all failed to remove this fictitious account from my credit report.
Product: Money transfer, virtual currency, or money service

I was told on XX/XX/23 my lawyer would be contacted in reaction to the attached check for {$50000.00} however he was not contacted and asked me to re-open the complain with the CFPB. 

I was told on XX/XX/23 by XXXX XXXX that Chase has the money in their Suspense account and would be returning the money to me after their legal team reviewed the necessary documents from XXXX XXXX. 

Unfortunately Chase has stopped responding to me and I need to have the matter reopened per my lawyer.
Product: Checking or savings account

I logged in on my TD account on XX/XX/XXXX, because I was preparing to pay a bill. I noticed the funds are very low, and checked the history of the account. There was a checked made out in the amount of {$3100.00}. On the check, the name is wrong, the signature is wrong, and the funds was already drawn. I immediately called TD bank, after over an hour of wait, I finally get to speak with their fraud department, who informed me that the account needs to be closed, and there 'll be an investigation, with time window between 60 to 180 days. And the money may never come back. This is outrageous, since this is a clear case of fraud, and it's the bank 's fault that the fund were withdrawn. Please help to get this resolved as soon as possible, I rely on this account for bill payment.
Product: Debt collection

JH PORTFOLIO DEBT EQUITI Account Number : XXXX ... .... 
This information was found on my credit report from XXXX. The company above never contacted me.This is a collection company that reported a collection for a debt that started in XX/XX/XXXX on my credit report to XXXX. I have no knowledge of this debt. I have never used the credit mentioned in XX/XX/XXXX. I have only XXXX major credit card that I have been using since XX/XX/XXXX and I am in good standing. I do not know this company and I was never contacted by this company in writing to validate the debt which is not even listed to any of my credit report. I knew about this, because I have a company that monitors my credit and alerted me about this issue. Please help.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX, Va XXXX Loan Number XXXX Refinance XX/XX/XXXX Closed XX/XX/XXXX During an audit of my closing documents I found that prior to refinancing the MIP was {$61.00} ( closing XX/XX/XXXX ). After refinancing ( XX/XX/XXXX ) my MIP more than doubled to XXXX per month for 10 years. This is a substantial increase and I should have been informed in writing prior to closing. 
Due to failure to disclose XXXX x XXXX =XXXX x 10 years = XXXX as opposed to XXXX xXXXX = XXXX x 10 years =XXXX. 
Therefore due to failure to fully disclose the cost of the refinance and predatory lending, in addition to misleading advertising I am requesting the return of XXXX MIP overpayment. 
XXXX x XXXX=XXXX x 4 years ( XX/XX/XXXX-XX/XX/XXXX=4 ) = {$3000.00} plus any fees. And a reduction of MIP to its previous rate. 
Please let me know when I will be receiving a check. Please see attached documents. I was told there would not be any new charges. 
When I inquired about the deficiency, I received in the mail what I consider a threatening letter from your XXXX Office which basically stated I should be grateful. 
When I tried to ask customer service about the amount of the MIP they whined and said they did not know. 
I refinanced from 6 % to 3.75 % and expected to see a 2.25 % ( {$290.00} ) decrease in my monthly mortgage payment. Instead I received only {$100.00} decrease. When I asked what my new monthly mortgage would be I got the run around and in addition I was told the loan would take 30 days - the loan took six months to close from XX/XX/XXXX to XX/XX/XXXX. I said to my self they are trying to figure out a way to defraud and you did.
Product: Money transfer, virtual currency, or money service

I've had many issues with XXXX in the past with not tracking or warning if i sent money to the right person.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report 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, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX have 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: Credit reporting or other personal consumer reports

I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me XXXX XXXX  I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of apply for a home loan and then I noticed a hard inquiry on my account. I did not allow this company to check my credit and this was days before allowing the current company look at it. 
I tried to look for the contact information to call and see why this is on there and there isn't any. It dropped my credit 115 points which was XXXX  and now it's causing problems getting a home loan. I need this gone.
Product: Credit card or prepaid card

Settlement was made to becu and received documents from becu stating settlement paid as agreed. This occurred between XXXX In XX/XX/2020 I received notification from back that they would put my account to collection if I did not pay again. 

Dispute of this account created correct result on XXXX  but is still reporting charge off on XXXX  and XXXX  and continues to damage my credit as they continue to report charge off each month.
Product: Debt collection

I received a voicemail yesterday XX/XX/XXXX regarding a lawsuit for an outstanding auto loan already on my credit report. I returned the phone call to hear it was XXXX XXXX XXXX  that called from phone number XXXX XXXX XXXX. The person was extremely rude asking me why I have not paid the loan off. I disconnected the call because I already knew that XXXX XXXX XXXX XXXX XXXX ext XXXX is handling this debt. Today my husband 's former job contacted him and forwarded him a voicemail from the same company stating my husband 's full name and full social security number my full name and my full social security number and to make sure identification is ready when serving the paperwork. My husband called the number the gentleman was extremely rude and told him my debt is his debt because he married me and repeated to him his full social security number again. I called the management company handling the debt and they advised me they did not outsource this to debt to any law firm. I called the phone number again today advising them what they are doing is illegal and that the debt is not in their hands it's already been given from last year XXXX to a management company which has been confirmed by the original creditor. Only to be talked to in a unprofessional manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early XXXX XXXX  has not call back they dont respond I have problem with XXXX  XXXX XXXX that was fraudulent I have a ftc report and police report they did not co operate or abide by the rule of the fair credit act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I was in a car accident that almost killed me and totaled my vehicle. Since the other driver was put at fault in the accident that driver is supposed to assume responsibility and liability for my damaged vehicle. Since that person was uninsured I communicated to XXXX XXXX XXXX what happened and they had no sympathy for my incident and still report the vehicle on my credit as if I still have it. This is unacceptable and is keeping me from getting another vehicle. My consumer rights are being violated. My balance is being listed as {$19000.00} as of XXXX XXXX  on my credit file and this item is negatively impacting my credit report.