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

I am filing this complaint with the CFPB under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that you, the credit reporting agency , block and remove information from my consumer credit report that resulted from identity theft and fraud within 4 business days of receiving this complaint. I am deeply concerned about the inaccuracies on my report, which are detailed below. 

The fraudulent information includes five collections accounts and charge-offs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts have led to multiple erroneous hard inquiries and collections on my XXXX credit report, causing significant stress. I demand the removal of these fraudulent items from all my credit reports and the cessation of any collection activities related to these accounts, in accordance with my rights under FCRA and FDCPA laws. For verification, I have attached a copy of the FTC Identity Theft Complaint # ( XXXX ) from the US Federal Trade Commission, confirming that these credit accounts, collections, and inquiries are the result of identity theft and fraud.
Product: Credit reporting

ALL CREDIT AGENCIES VIOLATED FCRA REPORTED OUTDATED ACCOUNTS/ NOTMINES ... '' XXXX ( XXXX XXXX ), XXXX ( PUBLIC STORAGE ), XXXX XXXX , PUBLIC RECORDS ( XXXX, GA ) ..REMOVE ALL FROM FILE
Product: Mortgage

I have struggled and not made payments do to loss of work and cut hours, I am a XXXX and we were even closed for months and I fell very behind. After being behind I felt like l was forced to enter a new contract with stricter penalties that makes me pay way more for my mortgage. Then went hit with national disaster in my area, tornando came thru, I filed an insurance claim to repair damages since I was missing parts of my roof and they are holding those insurance funds until I comply with payments which is further causing damage to my home that I will have to pay way more for and I don't what I can do. I had to use money for mortgage payment to make minor repairs to save my home.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX and TEACHERS XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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.

KIKOFF LENDING LLC and TEACHERS FED CREDIT UN never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I have filed police report and sent them a signed affedavit showing i have been a victim of identity theft for two seperate accounts.
Product: Credit card or prepaid card

I got completely locked out of my NetSpend account on XX/XX/2023. I contacted them to find out why, but they told me they couldn't tell me that information. They told me my account was now under review and I would have to verify my identity before they could help me with anything. I sent them a photo of my driver 's license, but now they want a photo of my social security card and a picture of a utility bill with my name on it matching the address they have on file for me. I don't feel comfortable sending them a picture of my ss card and I tried explaining to them that I no longer live at the address my card was sent to well over a year ago. They told me my account would remain locked until they get those pictures from me. I don't even know why they locked my account in the first place, I actively use my card and I have around {$1900.00} remaining in my account that they are now keeping from me for no reason at all. I have never had any issues using my card or logging on my account before. I don't know what to do, and I need to be able to access my money.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX. 
{$6900.00} Balance updated XX/XX/2021 fcra violations not mine :
Product: Credit reporting or other personal consumer reports

There are inaccurate reporting that I have asked be updated. Ive requested proof of verified updates and have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried unsuccessfully to submit disputes on the Credit Karma website. I have emails to them and from them acknowledging the issue and they promised me that I would receive the guarantee within 60 days of XX/XX/2023 but this has not happened. Subsequent emails to them about the status of the same, I have been unsuccessful. They replied, saying they did not receive my message, but I have an email from them saying they received my message. They close the case without delivering the product that was guaranteed to be delivered. Now I cant submit a dispute because their website has too many technical glitches that prevent submission.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681 A Consumer Reporting Agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from XXXX XXXX not later then XXXX business days after the date of receipt. 

It has been XXXX  days and you are in violation of the law because I am a victim of XXXX XXXX! 1 Please delete these items as soon as possible. 


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: Checking or savings account

Im filing a complaint with the CFPB regarding Capital One failure to deposit my direct deposit from my employer. Capital One has cited technical issues which may violate the EFTA. I am requesting help in assisting with this investigation to ensure my rights are upheld. Thank you
Product: Debt collection

I am writing to formally request the immediate removal of a fraudulent account that has been incorrectly listed on my credit report. As a victim of identity theft due to the XXXX security breach, I have discovered that XXXX XXXX XXXXXXXX has been reported on my credit file, although this account does not belong to me. 

Despite my previous request for full debt validation from your company, I have yet to receive any documentation or verification regarding this account. As a result, I am left with no choice but to take further action. 

I am preparing to bring this matter before a judge in my local jurisdiction, as this account should not be reported on my credit file under any circumstances. To support my claim, I have attached the following documents : A copy of the police report regarding the identity theft. 

Court paperwork demonstrating the ongoing legal process. 

Please remove the account in question from my credit report within two business days of receiving this letter. Failure to do so will compel me to proceed with filing a civil suit against your company for actual damages. This false information has adversely affected my ability to obtain credit and has caused significant harm. 

Your prompt attention to this matter is not only a legal obligation but also a necessary step to correct the inaccuracies on my credit file. 

Thank you for your immediate action and cooperation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I went to open a checking account with XXXX XXXX XXXX  and also XXXX XXXX in XXXX Maryland ( XXXX XXXX XXXX ). I was denied based on a " Chexsystems '' report. I called Chexsystems and downloaded my report dated XX/XX/2023. Under " Reported Information '' my report says " No Information Found ''. As such I am not sure how I can be denied an account based on XXXX report if there is nothing on the report!
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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Mortgage

I am contacting the CFPB in desperation. Our home is scheduled for foreclosure sale on XXXX/XXXX/2015 and Bayview will not postpone this sale. The reason for hardship was completely out of our control as XXXX is permanently XXXX. I have been out of work because I stay home and care for him as he needs XXXX hour supervision and care. I had been working with Bayview for a loan modification and just today after my loan was transferred to yet another rep. The previous rep told me they were requesting an appraisal as they were refusing to defer 30 % stating my value just happened to be 79.99 % and would need to be over 80 %. After disputing explaining the value is much lower making the LTV closer to 95 %, he was going to request an appraisal. The very next day, a new rep was assigned and a denial letter was issued today, XXXX/XXXX/15.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there are several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries and personal Information listed are inaccurate and needs to get deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

My uncle owned me {$5000.00} which he send to me through Zelle using XXXX XXXX  account. Things went south and he marked that transaction as fraud. XXXX contacted me, I provided them the details and all my XXXX XXXX accounts are good. However, zelle blocked my phone number and email from being using zelle. I can not use zelle even with new email address. They have incorrectly blocked me from using zelle.
Product: Checking or savings account

On  XXXX / XXXX / 2017 , I closed my Bank Of Ameri ca account- I tal ked to some sack of  XXXX  named  XXXX   XXXX  who refused to provide me with a written letter. I was extremely careful to change all automatic payments over to my other account and have no pending debits. Having not received a printed statement in the mail for many, many years, suddenly the usurious company, enabled by bank deregulation, has begun sending me account statements about the account I closed. The  XXXX   XXXX  did give me a sheet of paper that is labelled as my " Account Closing Summary '' and yet they suddenly are treating it as though I have an account. It 's threatening and it 's total  XXXX  and I want the  XXXX  account closed permanently. This company has stolen hundreds if not thousands of dollars from me in fees over the years and I do n't trust them to not find some reason to charge me now.  XXXX  Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act. The List of inquries above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting or other personal consumer reports

On XXXX, Transunion and XXXX XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1900.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX XXXX Secured Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$120.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$700.00}. The original creditor is XXXX XXXX XXXX XXXX XXXXXXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Collection account from XXXX XXXX with account # XXXX and a balance of XXXX XXXXXXXXThe original creditor is XXXX XXXX XXXX XXXX.I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.

Collection account from XXXX XXXX with account # XXXX and a balance of {$980.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX, XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Credit card

Short story on XXXX our back account was taken over and our XXXX XXXX closed our account and created new ones. Our credit union set it up, that some payments would be rerouted for a month to the new account, and I would need to update them with the other companies. Citi which is who I am complaining about. For some reason the payment from XXXX was returned from Citi as they said it was bad, not explaining what happened. I was a bit confused as I also update my new payment info with them. I have been charged {$30.00} for a returned check. I asked them to return the fee and they just said it was denied. When I asked how to appeal, they just repeated it was denied, and then disconnected from the chat we were on.
Product: Credit card or prepaid card

On XX/XX/2023 Wyndham XXXX  in XXXX XXXX opened a credit card with a XXXX limit in my name without my permission. I was able to call the issuing bank and cancel the card but due to the fact Wyndham has recently had a class action lawsuit filed against them for this practice I thought it was best to make an official complaint.
Product: Checking or savings account

On XX/XX/XXXX, I submitted XXXX payments through the payment gate, XXXX. 

The amount of the purchase was {$240.00}. I completed {$230.00} and {$15.00} transactions for this purchase. 

I paid a seller on the platform XXXX  for virtual video game keys. When the seller failed to deliver the purchased goods, I filed a dispute within 24 hours with Wells Fargo.

I was given zero provisional credit and by the end of the investigation ( XX/XX/XXXX ), I was denied the claims. 

Lastly, when I went to appeal this dispute I was told that Wells Fargo doesnt have dispute rights to a third party. Which doesnt make sense to me. Thus, I was given zero options as I already contacted both XXXX and Wells Fargo.
Product: Consumer Loan

Purchased a household appliance. The financing was done through Synchrony financial, one year interest free. Paid much more that the minimum payment. Was not able to pay off in the 1 year time frame. Now I am told that I owe interest for the loan for the entire amount of the loan for a year, not just interest on the remaining balance. This was never indicated in any way to me. I will never do business with this group again.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION was sent an affidavit regarding notice of violations on XX/XX/2022 via certified mail. I'm showing that they received the affidavit on XX/XX/2022. They were instructed to respond within 5 days if receiving the affidavit to respond. A reasonable amount of time has passed with no acknowledgement on their behalf. Once again my attempt to resolve all of my issues with TRANSUNION have gone unanswered. According to the law TRANSUNION is now bound by the contents of the affidavit due to lack of response. All violations are punishable in the amount of {$1000.00} pursuant 15 USC 1681n and 1681o. Tracking number XXXX XXXX XXXX XXXX XXXX shows proof of delivery on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I had a vehicle financed through this company that was deemed a total loss back in XXXX of XXXX. This company received a payment from XXXX in XXXX of XXXX for the amount of {$13000.00}, and another payment from the GAP company for {$750.00}. We then agreed to settle the remaining balance for {$1200.00} which I paid in XXXX of XXXX. This account is still reporting on my credit and I am not able to obtain any sort of credit due to this account still reporting a balance of over {$17000.00}. I have contacted this company numerous times and still no update.
Product: Debt collection

I am writing to dispute the validity of the alleged debt associated with the account referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting verification and validation of the following information : 1. The name of the original creditor of this account.

2. The amount of the alleged debt.

3. The methodology used to calculate the amount of the alleged debt.

I am requesting this information within the statutory time frame provided by the FDCPA to ensure the accuracy and legitimacy of the debt being pursued. Failure to provide this information may result in further actions on my part to rectify this matter. 

Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Debt Buyer Date Opened : XX/XX/XXXX Status : Collection account, {$1100.00} past due as of XX/XX/XXXX Balance : {$1100.00} ( as of XX/XX/XXXX ) Original Creditor : XXXX Payment History : Please refer to the attached payment history for further details. 

I request that you cease all collection activities until the requested information has been provided and the validity of the debt has been verified. Additionally, I am requesting that any negative reporting associated with this account be suspended until the dispute is resolved in accordance with the law. 

Please provide the requested information to the address listed above at your earliest convenience. If you are unable to verify the debt, I expect the immediate removal of this account from my credit report.