23daVinci/CFPB_Complaints huggingface dataset:
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 Bureau 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 : XXXX XXXX - XXXX, DPEDXXXX XXXX XXXXXXXX, DPEDXXXX XXXX XXXXXXXX, DPEDXXXX - XXXX, DPEDXXXX XXXX XXXXXXXX, XXXX - XXXX, DPEDXXXX - XXXX, DPEDXXXX XXXX XXXXXXXX, DPEDXXXX XXXX XXXXXXXXXXXX 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 FICO credit report. 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 Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Charge off of account occurred following and in relation to Bankruptcy filed XX/XX/XXXX and granted XX/XX/XXXX. 

Account is closed ; however monthly reports are still being submitted as new information. On a monthly basis, the same charge off appears as a " New Civil Action '' on XXXX  report when nothing has happened on account since XX/XX/XXXX. 

Notes on XXXX report indicates a high balance of over {$1700.00} for current month when account is closed and no money is owed. Elsewhere the report shows a balance of XXXX  ; however, the report of a current high balance suggests that the account is open when it is not. 

I contacted company in late XX/XX/XXXX asking for resolution of the issue yet monthly reports of incorrect information are still occurring.
Product: Checking or savings account

I am writing this complaint as a result of excess charges to my account without disclosure or explanation. 

As of XX/XX/XXXX, my account balance reflects a negative balance of {$91.00}. However, as of XX/XX/XXXX, I had a positive balance XXXX. I decided to make a purchase of {$25.00} and transferred {$21.00} from my savings account to cover this {$25.00}. Please see the screenshot of the account. I had {$470.00} in pending holds, and {$470.00} on my balance resulting in a balance of {$2.00} after my {$25.00} purchase. 

There is no reason why my account should be overdrawn {$91.00} the next day if the Citizens bank provided the proper balance information before, during, and after my purchases. I check my balance regularly to ensure that I have funds to cover my purchases. This seems like an attempt to collect excess overdraft fees.
Product: Credit card or prepaid card

Navy Federal stated in their agreement that federal laws applied to the agreement. Under federal law 18 USC 894, it is illegal to collect on an extension of credit by extortionate means. They continue to extort money from me. Under 15 USC 1666D anytime a credit balance is of excess of {$1.00}, the creditor should credit the consumer account. These are federal laws that they should honor. They continue to use the United States Postal Service to run a scheme to obtain money thru false pretenses illegally, which is fraud and swindles under 18 USC 1341 and comes with imprisonment, a fine or both. They need to open me a new account and apply a {$15000.00} credit limit and credit the balance every month. These are federal laws that this agreements govern by, stated in the agreement itself. If Navy Federal chooses not to honor their agreement, and a Breach of Contract occurs, I demand all payments returned and the account removed from all credit reports.
Product: Credit reporting or other personal consumer reports

I Recently Received A Copy Of My Credit Report & Notied They Where Fraudulent Accounts.
Product: Debt collection

I was a victim of identity theft in XXXX  and i didnt find out until XXXX  when I was getting my tax returns together to purchase my home. I receive a PIN number because someone filed taxes under my ssi and name in XXXX  and my identity has been compromised ever since so there are many addresses and accounts that arent mine and i did not sign off on including the garnishment from midland credit brought by XXXX XXXX. I didnt incur these debts and was unable to respond to lawsuit because i almost died having my premature baby in XXXX. In XXXX someone bought a phone on my XXXX account as well and i wasnt charged for it because i notified them about my identity theft issues from XXXX.
Product: Credit reporting or other personal consumer reports

Delete late payment I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENT DATE AND ACCOUNT NUMBER Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Type : XXXX Mortgage Responsibility : Individual Date Opened : XX/XX/XXXX Status : Open. 
Status Updated : XX/XX/XXXX Balance : {$350000.00} Balance Updated : XX/XX/XXXX Recent Payment : {$5000.00} as of XX/XX/XXXX Monthly Payment : {$2500.00} Original Balance : {$390000.00} Highest Balance : - Terms : 30 Years Late Payment Date : 1 ) XX/XX/XXXX Please remove the late payment for all inaccurate information, not update, update means the credit bureau is not working.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/XXXX for 30 days late? XX/XX/XXXX/XX/XX/XXXX for 30 days late? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit card or prepaid card

- I purchased an Apple device financed through the Apple Cards finance plan. Apple 's pricing on the device changed after their annual conference, and as my order had not yet shipped, I sought to cancel and re-order the device at the new price. 

- Apple 's support told me that they had no way to cancel the order, but ensured me that I could immediately return the device upon receipt and receive a refund- I shipped the device back to Apple and received confirmation of delivery on XX/XX/XXXX ( from XXXX, signed for by Apple warehouse employee ) - I have since contacted Apple several times to follow up to get confirmation of receiving the device and told that my return is being processed. I have been promised it is, but still have not received credit on my account after over 1.5 months since Apple received the device back. 

- My credit score has been impacted by Apple failing to refund me in a timely manner ( due to credit overutilization outside of my control ), and my Apple card has been unusable for over 2 weeks, as my card is showing as having no available credit, despite me having fully payed off the card balance, installment balances on all Apple financed devices, and Goldman Sachs applying a provisional balance after I raised an additional dispute- I am currently looking to move apartments and this unexpected credit hit is adding additional injury on top of the amount of time and effort I have sank into following up on the issue, as I am losing out on apartment bids in a competitive rental market
Product: Credit card or prepaid card

Transaction date : XXXX XXXX, XXXX XXXX name : XXXX Disputed amount : {$4900.00} Reason for dispute : merchant claims they never received the return. 

Apple card rejects my case and sends a letter in the mail stating the merchant never received my return. ( See attached doc ) Apple card closed this case XX/XX/XXXX stating " The XXXX evidence states the Customer initiated a return and returned the item to the XXXX outside of the return window timeframe. '' PLEASE SEE THE CONSUMER FINANCE COMPLAINT ( XXXX ) Dispute : XXXX Apple Card closed the re-asserted case XX/XX/XXXX with a different reason " The Merchant received the merchandise on XX/XX/XXXX, and shipped the merchandise back to the XXXX " PLEASE SEE THE CONSUMER FINANCE COMPLAINT ( XXXX ) Apple card Goldman Sachs keeps changing the reason why they won't refund me and continues to side with the merchant without providing me any evidence from the merchant. THIS IS COMPLETE FRAUD. Each time I send them new evidence to disprove their claims, they change the reason why they can't refund me! 



APPLE CARD GOLDMAN SACHS HAS NOT PROVIDED ANY EVIDENCE THE MERCHANT SENT THE ITEM BACK TO ME VIA MY MAILING ADDRESS NOR HAS GOLDMAN SACHS SENT ME A LETTER IN THE MAIL STATING THIS NEW CLAIM. 

APPLE CARD GOLDMAN SACHS IS COMMITTING FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4600.00} ; MEDICAL XXXX Balance : {$79.00} ; MEDICAL XXXX Balance : {$170.00} ; MEDICAL XXXX Balance : {$89.00} ; MEDICAL XXXX Balance : {$50.00} ; MEDICAL XXXX Balance : {$75.00}.
Product: Credit reporting or other personal consumer reports

I see a lot unidentified inquiries on my credit profile I did not apply for and I want to fix this on my credit report.
Product: Debt collection

I live in XXXX and have so since XX/XX/XXXX. I have been contacted by a debt collection agency that I owe a debt of XXXX. I called and they said I owed XXXX. They said I had service at a address I never lived at and it was opened in XX/XX/XXXX to XX/XX/XXXX. I called a filed a police report and called XXXX. So I wrote to the agency immediately requesting to dispute and press charges. I get a letter a week later saying due to lack of information provided they been unable to complete my investigation. When I wrote them, I sent them the lady name which is XXXX XXXX XXXX and also her current address and current phone number. I do n't go to XXXX and have n't been since I left. I know XXXX from living on the same block with my mom. I had opened a welfare case and when we moved I vlosed my case and never had my mail forwarded and I 'm thinking she got it from mail. I know XXXX fraudulently used my information and I had no knowledge of it. I contacted XXXX when I received the letter but of course she denied using it and said that she lived at the address but do n't know how this could of happened and stated that she know I never lived there. I aslo told her I was pressing charges. She said she will wait on them to contact her.Please help. I looked on my credit report and it was never on my report. So this has been haunting me down XXXX years and how can I find out what else she might have used my information for? Thanks in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately.Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/2018 Inquiry : XXXX XXXXDate of Inquiry : XX/XX/2018 Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/2018 Inquiry : XXXX/XXXX XXXXDate of Inquiry : XX/XX/2018
Product: Mortgage

Forced Placed Insurance Policy by US Bank National who is not the mortgagee and who should not have been servicing the account.

see attached US Bank sends me correspondence with an account number on it that is different than the original one.

I have requested that Universal Property remove the force placed policy.

see attached They refer me back to US Bank Per US Bank, the account is " closed '' see attached.
Product: Credit reporting or other personal consumer reports

Good Morning, I was hit with a hardy inquiry from XXXX XXXX XXXX ( Bank ) XX/XX/2024. To my knowledge I never requested any new card, went into there bank or gave anyone authorization to run my credit score. I called them in XX/XX/2024 and there customer service had stated I did not go into there bank or apply for anything new with them. I had figured due to this error or someone trying to be me that this would fall off since they couldn't explain to me why it was on there in the first place. I have a good relationship with that bank and the bank is good. I just think was some sort of error.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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- {$15000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my credit report ive noticed incorrect information on my Equifax file. I am interested in disputing all invalid data to correct my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection showing on my credit report that does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent. This is illegal and against the law, stated 15 U.S.C 1681 section 602 A.aw to be reporting improper accounts on my credit report, and this account is reporting as open, which is illegal.
Product: Debt collection

On XX/XX/XXXX, I agreed to a payment plan with NCB for 40 % of my balance, in installments of {$130.00} for 24 months, equaling {$3100.00}. I took a picture of the offer I accepted, where I clearly circled and wrote what I was agreeing to. 

On XX/XX/XXXX, I received a payment plan agreement from them. It was for twice the amount. XXXX payments of {$130.00} for a total of {$6300.00}. This is not what I agreed to. I have since emailed and asked them to cancel the plan.
Product: Money transfer, virtual currency, or money service

I am filling 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: Checking or savings account

I went to the bank to open the account but after processing my information, the relationship banker is unable to open the account without giving me any information, they are only giving me the phone number to contact BOFA. I called this number with the option XXXX and the representative told me I have to go to the bank to open the account online which I have already done. I went back to the bank but the banker refused to help me.
Product: Checking or savings account

First off, I am a XXXX XXXX XXXX XXXX Veteran. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have follow up appointments that I have had to cancel with my XXXX XXXX XXXX because my funds are frozen. My ssdi and my income tax check is frozen. My utilities have been shut off so I can care for myself at home the way I need to. Also, my meds to keep me sane and intact are all gone because I can not put gas in my vehicle to attend appointments. I need help. My family needs food and utilities. We need intervention from someone who has a heart to help. Please? Please help us and release my money that I so rightfully deserve to provide for my family. Please?
Product: Debt collection

I have sent a letter and a dispute, they have not verified the debt I do not recognize the debt
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to bring to your attention a matter of concern regarding the reporting practices of LVNV to third-party credit bureaus. Upon reviewing my credit reports, I have identified discrepancies in the information provided by LVNV across different bureaus, particularly on XXXX, XXXX, and XXXX. 
On my XXXX report, there is an indication of a past due amount of {$4600.00}, whereas both XXXX and XXXX reflect that the account in question has been paid off, with no outstanding balance. Such inconsistencies raise serious concerns about the accuracy and Furthermore, I would like to bring to your attention the fact that the debt associated with this account has been transferred to a third-party debt collector. As a result, it has been charged off and is now considered a certificate of indebtedness, constituting income. According to applicable regulations, such discharged debt should not be reported, as it may lead to inaccurate representations of my financial standing. 
In conclusion per the FCRA as a federally protected consumer I am now opting out of any and all authorization I consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802.

16 CFR 313 OPT OUT
Product: Checking or savings account

On XX/XX/XXXX I reached out to the consumer finance board for assistance and getting SunTrust to reach out to me so I could get bank statements from XX/XX/XXXX through XX/XX/XXXX. It is impossible to reach Suntrust directly as wait times are consistently over one hour. Even though SunTrust called me back within two days and understood completely which statements I needed, XX/XX/XXXX, I only received a one page statement which compiled of three months of no activity. This is not what I asked for this is not what I need and I will have my XXXX XXXX XXXXXXXX benefits terminated if I do not get the statements that SunTrust promised me but didnt provide.
Product: Checking or savings account

U.S. Bank is not doing its due diligence when disputes are filed and providing misinformation. They have done this on multiple occasions until it was past the correct timeline for a dispute. They will claim it's 120 days from the date of purchase, but the visa guidelines is 120 days from the date of purchase or the date last expected to receive the merchandise/service but not exceeding 540 days since the purchase. They will refuse to file the dispute or will immediately reject it starting it's more than 120 days since the transaction even if it's a preorder or a subscription with multiple items being shipped throughout the year. When confronted with the fact that it was misinformation provided, they refuse to even investigate it and try to correct it.
Product: Mortgage

I originally submitted a complaint on XX/XX/19 regarding the mishandling of a refinance through Select Portfolio Servicing ( SPS ). I received a response on XX/XX/19 that doesn't even address all of the concerns I listed. They indicated that I was requesting more information about the CEMA. That is not what I was doing. I provided a detail account of the multiple missteps SPS took in handling the refinance that resulted in significant, additional fees I incurred. SPS was completely non-responsive, untimely and irresponsible with the handling of my refinance. If you reference my original complaint, you can see that I am requesting a reimbursement of fees I incurred. I expect a more thorough review of my complaint. The response I received from SPS is unacceptable is a further testament to why this firm should not be in business. I will continue to take action until a satisfactory resolution is provided.
Product: Consumer Loan

I have always made my loan payments on time, even recently sending a {$1000.00} dollar principal payment. Today my husband and I have attempted to obtain the interest portion paid from XXXX for tax purposes, however no one with the bank seems to be able to identify that dollar amount, and after requesting a payment history be mailed to us we were hung up on. We request the CFPB investigate whether this bank is appropriately applying payments according to the terms of contracts or simply making up their own rules as a financial institution.