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

Consumer Name : XXXX XXXX XXXX DOB : XX/XX/XXXX Consumer SSN : XXXX. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted by Equifax. Please delete the following accounts and ANY and ALL inquires associated with the accounts. XXXX XXXX with a balance of {$3400.00}, XXXX XXXX XXXX with a balance of {$210.00}, US Dept of Education with a balance of {$40000.00}, XXXX XXXX XXXX with a balance of {$110.00}, XXXX XXXX with a balance of {$1200.00}, XXXX XXXX with a balance of {$2000.00}, XXXX XXXX with a balance of {$3700.00}, XXXX XXXX with a balance of {$3100.00}, XXXX XXXX with a balance of {$7000.00}, XXXX XXXX with a balance of {$3400.00}, XXXX XXXX with a balance of {$1900.00}, XXXX XXXX with a balance of {$3800.00}, XXXX XXXX with a balance of {$3800.00}, XXXX XXXX XXXX with a balance of {$7100.00}. The Hard Inquiries that are on my credit report that should also be removed, blocked, and deleted are a Hard inquiry from XXXX XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Hard inquiry from XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX via Equifax Mortgage requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX  requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX requested on XX/XX/XXXX.
Product: Credit card or prepaid card

Failed refund transaction from CashApp. On Sunday, XX/XX/2019, I received {$140.00} using the mobile Cash app transfer and within one hour I refunded the same {$140.00} to the person I received it from. Although the app sent me a refunded receipt the transaction has not been completed she has not received the refunded amount of {$140.00}. 

I contacted Cashapp through the customer service email several times within this week and have not received a response from them or completed transaction. There is no way to speak with a representative on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last reported XX/XX/2017 XXXX XXXX Amount : {$11000.00} Acct # : XXXX I have sent in requests asking Equifax to remove this item from my credit report because this item has not been verified as belonging to me.
Product: Money transfer, virtual currency, or money service

A company that goes by Ocean Global lists jobs as Data Analysts with promise to pay after giving you money to work. They mislead with info and convince you to give money after seeing the money in the account. The company promised to pay and then disappeared. I was left with a negative amount of XXXX
Product: Credit card

I am writing to express my disappointment and concern regarding the recent decision by Chase Bank to close my accounts without sufficient justification or warning. As a customer of over 40 years, I have consistently maintained good standing with my accounts, and I find this sudden closure to be both unexpected and deeply frustrating.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account vithout my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for eny purpose These accounts are listed as late and they were never late. Will u please update them to paid as agreed.. 
The accounts are listed below : XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Inaccurate information has been posted to my credit file due to identity theft. I have received letters/phone calls from the sheriff 's department XXXX XX/XX/year>, stating that there has been a security breach of my information under previous employers and/or computer hacks. I've sent out injunctions to all three major credit reporting agencies, ( XXXX, XXXX and XXXX ) notifying them of their misconduct in reporting inaccuracies especially without my consent. I demanded to cease and desist, and that the inaccurate information be removed. However, they removed some information and then reapplied it to my credit file without any notification between the dates of XX/XX/XXXX through XX/XX/year>. I have suffered defamation of character, discrimination and extensive damages due to inaccurate reporting. I do not recognize the information on my credit file, I have not made any updates to my profile, and I do not authorize any information posted without my consent. the companies involved are : ( XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX, Core logic, XXXX XXXX XXXX. ) This is securities fraud and identity theft!
Product: Mortgage

My mortgage was sold to Specialized Loan Servicing in late summer XXXX. I have had several problems with this company since they began servicing my loan. I received the first two monthly payment notices last XXXX and XXXX and made my payments early ; approximately three weeks prior to the XXXX of the month due dates. Both payments were posted just a few days prior to the due date, which I thought was strange as my prior experiences were that payments were posted 7-10 days after mailing. 
I again mailed my third monthly payment ( due XXXX XXXX, XXXX ) on approximately XXXX XXXX, XXXX to a post office box in XXXX GA ( XXXX XXXX XXXX, I believe ). Specialized Loan Servicing claimed they never received this payment. I called their customer service phone number approximately XXXX XXXX, XXXX and initially spoke with a service representative who was unhelpful and basically told me call back in a couple of days as the late payment deadline was approaching. I again called back around XXXX XXXX, XXXX and spoke to a different customer service representative who suggested that I sign up for their automatic monthly loan payment program ; which I did. However, in order to assure that my XXXX XXXX payment was not late I had to use a one time EFT payment for which I was charged a fee. I also was charged a stop payment fee by my bank regarding the check Specialized Loan Servicing said they never received. After this incident, I reviewed this CFPB complaint database and noticed numerous complaints regarding the servicing of mortgage loans by Specialized Loan Servicing. This company seems to have serious problems with whomever they are contracting with to service their loan remittance payments. A simple XXXX search shows the XXXX XXXX XXXX XXXX to which payments are remitted is a third party payment processing company. 

Since my loan has changed beginning with the XXXX XXXX, XXXX payment to an automatic monthly EFT payment there have been no issues with the recording of P & I and the escrow funds. Now though, mysteriously, my access to the Specialized Loan Servicing website recently has disappeared. I have utilized my personal email and a password to gain access to the site and monitor my loan since this company began servicing it last year. Recently, when I was unable to login, I thought maybe my password had expired. I requested a new password and they asked for my email address to confirm my identity. When I provided my email address, the response was they could not associate my email address with an open account. How can this be when I 've been using the same email and password to access their website since my loan was transferred to this company? I have been making mortgage payments to various financial institutions for 27+ years. I 've never made a late payment and have maintained a FICO credit score above XXXX for probably that entire time. I 've never had even one problem with the servicing of my mortgage loans over the years ; until my loan was sold to Specialized Loan Servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/18 my identity was stolen and the criminal was using my name and information to try an open accounts online. While trying to open these accounts multiple hard inquiries were placed on my credit score with multiple credit reporting agencies. Of the three reporting agencies, Equifax, has been the only agency which refuses to remove the fraudulent hard inquiries. I have had to file a previous complaint with the cfpb regarding Equifax not removing a fraudulent hard inquires after multiple attempts contacting them. Equifax, in that case, and in this case, refuse to acknowledge they have received appropriate documentation from the company which requested the inquiry, even though the company had sent multiple requests Equifax to remove the inquiries. My previous complaint ref # XXXX-XXXX. 

I am having the same issue with getting Equifax to remove the fraudulent inquiry that was placed on XX/XX/18 by XXXX. XXXX has sent multiple requests to Equifax to have this inquiry removed, Equifax claims they have not received any documentation. After multiple phone calls back and forth between Equifax, who claims they didn't receive anything, and XXXX, who claims they have sent documentation 3 times, I called Equifax to voice my concern, the representative requested that I send a fax into Equifax with my police report and a letter indicating the situation, the fax was sent on XX/XX/2018. 

It has been over 90 days and I still have no resolution. I personal feel Equifax is the company dropping the ball, as they were the reason for previous inquiries not being reomved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The defendants used my flesh and blood as commerce properly to make money with.Thats fraud.
Product: Checking or savings account

Regarding Key Bank. 

On XX/XX/2024, I submitted a dispute of charges to : XXXXkeybankXXXX. I was disputing recurring charges from XXXX in the amount of {$7.00}. I included screenshots of the conversation I had with the XXXX representative. Key bank initially provided provisional credits totaling {$80.00}, which included overdraft fees. On XX/XX/2024, I received an email advising that my account is overdrawn yet again. This is due to the reversal of the provisional credits and yet another unauthorized charge by XXXX I spoke with a Customer Service Rep at Key. I was told that because XXXX had previously refunded these charges, Key reversed the provisional credits. This is inaccurate information. I have had so many struggles and overdraft fees from this bank. There is now yet another unauthorized charge on my account from a different vendor for $ XXXX. That will result in yet another overdraft charge. Furthermore, I did not receive any notice - emailed or otherwise from the bank notifying me of their decision to reverse my provisional credits. Without knowing their decision, I had no way of knowing that I needed to fund this account. I am anticipating that by the time this complaint is received, I will be charged at least {$40.00} in overdraft fees. When I spoke to this representative I told her I wanted to close my account. She told me I needed to speak to the " Consumer '' department. She returned to the line and told me that they would not speak with me to close my account because my account is overdrawn. The person that refused to speak to me is " XXXX. '' The number to the Consumer department is : XXXX. I have scheduled a transfer to fund this account to cover the current overdraft charges of $ XXXX. The vendor ( XXXX ) that made unauthorized charges to my account- I can't request to have them blocked from recurring charges, because the bank will charge me a fee of {$35.00}. I bank with XXXX other firms and have never had this problem.
Product: Checking or savings account

on XX/XX/2022, we were using the ATM machine to deposit on the chase bank on XXXX XXXX XXXX XXXX. We brought XXXX to deposit that day. and the machine ate our money and stuck when i put first XXXX in. The machine said call this 800 number. 
Then we switched another machine and deposited the left XXXX + XXXX in. Those are successfully deposited. 

we called the 800 and said our {$9700.00} was ate and the number said okay that you can leave now. The amount will be credit to your account. 

We saw {$9700.00} on XX/XX/XXXX. However, after one month, i was checking the debit account, i see a reversal of XXXX $ posted on XX/XX/XXXX. 

I called Chase, they said they counted in the ATM and only found XXXX XXXX I spoke several times on we made sure we brought whole XXXX that day, and we deposited XXXX successfully, and the rest of {$9700.00} was ate by the machine. If you investigated than you shall let us know as soon as you counted that day, not after one month we are not giving a random number, we said clearly XXXX $ and we called immediately on that day. we follow the procedures, but Chase refused to talked to us anymore. They don't give us any evidence on how they counted and when they counted.
Product: Credit reporting or other personal consumer reports

Dear XXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within XXXX  ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my Equifax credit report on XXXX/XXXX/XXXX I noticed multiple unauthorized credit inquiries on my report. I have contacted Equifax, and the reporting companies multiple times concerning this issue with no results, they continue to report inquiries saying they are factual. I would like these inquiries removed from my report. I have listed the inquiries in question below. 
XXXX. XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX Bank XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX 's XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX. City of XXXX XXXX, XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX Bank XXXX credit XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. Equifax XXXX  XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Checking or savings account

XXXX was an online app that you could join as a member and begin saving and debt payments. I had an account with XXXX and the monies were secured by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. However, in XXXX of 2022, XXXX stopped making payments to my lenders and merged with XXXX XXXX  XXXX XXXX, but they refused to communicate with me regarding my balance of my savings. After months of calls and emails and a complaint to CFPB, I was able to get some answers from The Federal Reserve Bank XXXX XXXX XXXX. ( see attached letter ). As you can see from the letter, things have been resolved with XXXX XXXX  XXXX XXXX, but SouthState bank has yet to refund me my money. 

I am requesting that you investigate SouthState bank, for return of my {$400.00}.
Product: Vehicle loan or lease

USAA said the title was sent to my address and it was not. Now they lost the title and don't have one to send me. Please help.
Product: Checking or savings account

2024 chime took money from my account and holding my money
Product: Mortgage

In XXXX of XXXX, I noticed my monthly mortgage payment drastically increased from {$3100.00} to $ {$4400.00} due to the following charges : XXXX COUNTY TAX DISBURSEMENT : ( {$4400.00} ) XX/XX/XXXX WATER/SEWER/FF : ( {$350.00} ) In XXXX of XXXX, I was charged again, twice for : - XXXX XXXX TAX DISBURSEMENT : ( {$3300.00} ) XXXX COUNTY TAX DISBURSEMENT : ( {$3300.00} ) In XXXX of XXXX, I was charged again, twice for : - XX/XX/XXXX WATER/SEWER/FF : ( {$240.00} ) XX/XX/XXXX WATER/SEWER/FF ( {$240.00} ) As of XX/XX/XXXX, I've paid a total of : - Totals To date : WATER/SEWER/FF : ( {$850.00} ) Totals To date XXXX COUNTY TAX DISBURSEMENT : ( {$11000.00} ) I don't have my statement for XXXX yet but I suspect I had similar duplicate charges. 

I logged into my county tax assessor and it said my XXXX taxes are fully paid for and were only {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a security breach, yet I am now somehow responsible for paying fees on Credit Freezes to protect myself and my credit because Equifax decided to keep my personal information in plaintext. Nope. Equifax can pay to put freezes on my credit, since they were irresponsible with my data.
Product: Checking or savings account

I signed paperwork when I opened my checking account to allow overdrafts on my debit card and checks. I have had all of my transactions denied when needing to make important purchases. The bank has not allowed me to overdraft ONE time. This is a breech of contract.
Product: Prepaid card

I tried making transactions using my AMEX gift card but none of it went through. I called customer service which was not able to help me and suggest that I continue making transactions elsewhere. Ive seen other people on line struggle with the same issue. At this point, I just want a check with the same amount as the gift card.neither XXXX nor XXXX nor XXXX XXXX worked and I am very frustrated and disappointed. It must be an AMEX issue as seen online because my original balance is the same and Ive activated the card.
Product: Money transfer, virtual currency, or money service

I have attached the screenshot that I received from PayPal for your reference. 

I am the XX/XX/XXXXof a Sunday XXXX language class of XXXX kids. For XXXX gift I collected some money from other parents and sent it to the XXXX language teacher. 

The amount of the this money transfer is {$100.00}. 

PayPal put a limit on my account by sending me 2 different requests : ( 1 ) I have to provide the birthdate of the recipient ( 2 ) I have to provide my business documents I responded by calling PayPal and responding using PayPal system to clarify that I don't have a business. But PayPal still insists that I obtain the birthdate of the recipient, who doesn't feel comfortable to share this privacy. 

Please investigate into PayPal 's request and PayPal 's limit on my PayPal account. 

Thank you! 

My name is XXXX XXXX PayPal account is XXXX My phone is XXXX
Product: Credit card or prepaid card

{$50.00} VISA gift card given XX/XX/23. Attempted purchase with card on XX/XX/23, card was declined. After difficult time verifying balance and transactions discovered that 4 unauthorized transactions were done on the card by unknown merchant on XX/XX/23. Files dispute per process they stated that because purchases occured over 60 days before notice they would not resolve. They also did not report who the merchant was that charged the card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/year> A data breach that has led to the unauthorized opening of fraudulent credit accounts in my name. I believe that my personal information was compromised, resulting in significant damage to my credit profile and financial standing. 
Recently, I discovered that several fraudulent accounts have been opened under my name, and I am requesting your assistance in addressing this serious issue. Below are the details of the fraudulent accounts that were opened and that I would like to have removed from my credit report. 

Accounts to be Removed : XXXX? XXXX - Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX In addition to the fraudulent accounts, I have identified numerous unauthorized inquiries on my credit report that I believe are associated with these fraudulent activities. I kindly request the removal of the following inquiries. 
Inquiries to be Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have taken immediate steps to address this situation, including contacting the credit bureaus to dispute these accounts and inquiries. However, I believe that your intervention is crucial to ensure that my credit report is accurately reflected and that the fraudulent accounts are removed promptly. 
I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.