23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Around the middle of XX/XX/2021, my personal bank XXXX XXXX XXXX XXXX notified me in person stating that Fraud activity was going on with my account, she went into details asking did I know about XXXX  XXXX bank withdrawing funds out my account. I had no idea about this fraud XXXX XXXX account. Bank teller gave me their number I called and was told a new account was open in my name between XXXX XXXX XXXX, which I had them closed account informing them about the fraudulent activity on my account and that I have been a victim of Identity theft. Soon as I received that bad News, I proceeded to called to get my credit report which I never done in my life, because it was no need with confident of my good scored that I always had before being a victim. At this point I have contacted all three credit bureaus to add freeze/Alerts to my account, Made police report/Federal Trades commission report XXXX Once I received my credit report, I couldn't believe my eyes. After this disturbing matter I just start mailing the credit bureaus documents verifying my personal information and any updates/changes/disputes items off my report that was infected by fraudulent activity. I even addressed all the fraud addresses/Inquires, All the different Mis spelling of my name when I should have one name on my report spelled correctly. I addressed all the fraud phone numbers when there should only be two numbers on report. I also have Identity IQ, so I get alerts daily about fraud activity on my account saying address update to the address that fraud credit cards have got mailed to in my name. Alerts my information was uploaded in data breach XXXX XXXX all types of alerts pop up. when I already wrote letters put alerts/monitors/freeze on my account, there shouldn't be no way this criminal or criminals should still be able to call credit bureau and keep changing my address back to the fraud mailing address. This is a serious matter which I already feel unsafe and very disturbed because this act has put a big impact on my life financially, even caused my business to fall. Paying out of pocket each month for XXXX XXXX XXXX something I should not have to do. So, I would appreciate if these companies got more professional within their job duties. I would receive my mail from five points post office open several times a company that I know commit fraud activity daily, I was employed here for 4years. I don't know how many times I've went there made complaints and to stop delivering mail to fraud addresses as well. It's like nothing is getting done because these same activities are still in affect Like my life/business just doesn't exist anymore. 
Thanks for your time, effort and patients
Product: Checking or savings account

The first time my bank account was closed I was with Bank of America. I was trying to get a loan around XXXX of 2019 so I was online looking for loans because my job had just closed and I had no money to pay my credit card bills. So when I thought I finally got approved for a loan the people emailed and texted me and when I reached back out they called me. I thought it was legit but they asked for my account and routing number and I thought that doesnt seem right but then I thought maybe thats how I received the loan next thing you know my bank account is closed. I have screenshots of the messages and emails I can honestly say I was too excited to have a loan just because I wanted to pay my bills that I didnt recognize the signs that it might be scammers.
Product: Mortgage

I have not received a mortgage statement since XXXX of XXXX. 

When my mother passed away during XXXX, I became the administrator of her estate. Mr Cooper ( formerly Nationstar ) was notified of this and began interacting with me. At the beginning of XXXX, my mailing address changed. Mr Cooper was notified of this change both via phone and via mail. However, I have not received any statements since XX/XX/XXXX. 

I have attached a copy of the notice letter to this complaint. The copy is not signed, but the notice that I mailed to Mr Cooper is signed. 

I have tried calling, but Mr Cooper uses a malfunctioning voice recognition system that says partial words, stops, and acts as though the user has said something even though the user has said nothing. As a result, I am unable to reach a person and unable to communicate with them via phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am writing to complain about wrong information on my credit report. Following addresses are inaccurate and not my current or current address. 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 XXXXXXXX. PLEASE DELETE AND REMOVE ALL INACCURATE INFORMATION IMMEDIATELY.
Product: Debt collection

UNIFIN sent me a letter on XX/XX/2021 stating that I owe an alleged debt XXXX XXXX XXXX, in the amount of {$7900.00}. In the first letter it has 3 different amounts that I can make payment to UNIFIN. I sent a Validation letter to UNIFIN on XX/XX/2021. UNIFIN 's response to the Validation Letter was with court documents with a Civil suit bought against me by XXXX XXXX XXXXXXXX XXXXwho was hired by XXXX XXXX ; prior to UNIFIN taking possession of the alleged debt. I believe XXXX XXXX XXXX sold my personal information to the XXXX XXXX or hired to sue me for the alleged debt, then it was sold to UNIFIN. 
I believe XXXX XXXX XXXX XXXX ; Attorney XXXX XXXX XXXXXXXX XXXX and UNIFIN debt collection company are all working together. 
I never gave XXXX XXXX XXXX permission or consent to sell my personal information or to give my personal information to any third party or affiliates. 
I never gave XXXX XXXX or XXXX XXXX XXXX, XXXX. permission or consent to sell my personal information to any third party or affiliates. 
XXXX XXXX and the XXXX XXXX and XXXX XXXX XXXX, XXXX. never gave notice of the lawsuit that was filed on XXXX.
Product: Bank account or service

This is a follow up, with additional information, to Case number : XXXX In the original complaint, I stated that I was reapplying for the line of credit ( per US Bank 's instructions ), so that my interest rate would be based on the correct credit score. However, I received a piece of mail from US Bank today reflecting the credit score used for the reapplication. It reflected it at XXXX credit score as of XXXX/XXXX/16. However, I now have proof from XXXX that my credit score was XXXX as of XXXX/XXXX/16. While I was trying to give them the benefit of the doubt in the first place, it now seems that they 're systematically shaving XXXX points off my credit score prior to determining the rate. This is absolutely ridiculous, and I 've now spent hours on the phone trying to get some resolution. US Bank barely even seems to be able to understand the problem, let along who can or how to fix it. Please see attached documents.
Product: Debt collection

I wrotXXXX XXXX XXXX XXXX XXXX a debt verification letter and stated that any communications from that day forward to me is to be done by mail only. This company is still trying to communicate with me by phone instead of mail.
Product: Money transfer, virtual currency, or money service

Honestly money just disappears I don't have other specific dates but recently I had money in account XX/XX/year> I was supposed to have XXXX or XXXX dollars in my account and when I went in the next day it was only XXXX. I looked in my transactions and it does t show anything saying money was taken. Because I haven't brought anything. And like I said before I don't have other dates because I don't have a great memory of dates but I do know this happened more than once and this is my second cashapp account. My first one was taking money from me also and I had no way to contact cashapp And their customer service support was truly disappointing and a waste of time. Same with check deposits.
Product: Mortgage

Our current mortgagee sold our loan but didn't allow the required 15 days notice of transfer to new mortgagee. We just received notification on XX/XX/23 the new servicer takes over on XX/XX/23.
Product: Credit reporting or other personal consumer reports

Experian failed to thoroughly investigate my dispute. A debt collector called bounce ai Added a new account to my credit report. They bought an old closed account, Claiming that I opened that account XX/XX/year>, which is false. The term for that payment says 1 month which is also false. This has dropped my credit score tremendously. Making it harder for me to get a new car.
Product: Credit card

A payment of {$1800.00} is being held by my credit card company with absolutely no rational basis, especially in light of the fact that I have offered to prove that the ACH payment has cleared and the account is owned by me. Nevertheless, the payment on my PayPal Mastercard World Rewards card of {$1800.00} has not been applied to free up my credit, the card having a credit line of {$1700.00}. There is absolutely no reason for the company to hold my money that I need so that they can earn at the prevailing very high interest rates. The XXXX XXXX payment is on hold until XX/XX/XXXX, according to a customer service rep. This is arbitrary and carpricious and must be stopped.
Product: Debt collection

I mailed a letter on XX/XX/2018 to verify this debt the company never responded. I mailed another letter XX/XX/2018 I am awaiting a response.
Product: Money transfer, virtual currency, or money service

I'm filing this complaint against Cashapp ( Block , Inc. ) due to inadequate customer service which violate the consumer financial protection act ( CPFA ). Cash app has failed to protect my account as well as many others by letting fraud and other deceptive issues to cause risk, as they did not comply with error resolution requirements under the Electronic Fund Transfer act and Regulation E. These actions have caused me financial losses and I am seeking appropriate actions for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is XXXX  XXXX. The information is all different on each of the three credit bureaus. The payment status and past due amounts are all different.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit.It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the collection, charge-off, and late payment accounts. No changes were made. Below are the inaccurate accounts from my credit report : Collection XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Charge-off XXXX CARD # XXXX XXXX CARD # XXXX Late Payment XXXX CARD # XXXX XXXX # XXXX XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

This is my first attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX XXXX Balance : {$870.00} XXXX  XXXX Balance XXXX {$2200.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$880.00} XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX Balance XXXX {$2500.00} XXXX XXXX XXXX XXXX Balance : {$1400.00XXXX XXXX  XXXX Bankruptcy XXXX DateFiled/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is Financial Management Solutions. XX/XX/XXXX this debt was dismissed in the District of XXXX Superior Court. It was past my states statute of limitations to collect a debt. I provided this information to the collection agency several times, however the agency continues to hang up the phone on me and scream at me telling me this is still a valid debt that - since my dispute - has now been listed on my report as delinquent. I have provided court documents from the original creditor 's lawyer and the Superior Court showing dismissal in XX/XX/XXXX. I recently disputed this item again with XXXX and XXXX  ( it is not listed on my XXXX ) XX/XX/XXXX. The amount continues to increase and my status is still derogatory.
Product: Debt collection

After receiving an overwhelming amount of emails and calls I mailed an official cease and desist letter to the company Speedy Cash on XX/XX/XXXX. The letters were sent to no avail I have received persistent emails and calls to date. I have blocked this number previously to attempt to limit the amount of harassing calls I have received regarding this account however that has not limited nor stop the ongoing harassment. Calls on XX/XX/XXXX @ XXXX XX/XX/XXXX on this day I spoke with a representative and informed them that a cease and desist letter was sent to stop harassment. The representative was told that the call would be documented and reported. XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX Emails to date on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX. They have used  random numbers to call me. These numbers have been from different area codes nationwide.
Product: Checking or savings account

On XX/XX/2021, Somebody send me a message by XXXX, used the name of one of my friends, ask for money that I send it by mobile ATH. I send {$500.00}. Inmediatly I call XXXX and First Bank Puerto Rico to stop the transaction but at this time they don't notify what happen with my claim and my loss of money.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

Hello, On XX/XX/2018 i paid the last bill issued by financial and after calculating the fees in total i found out i paid extra XXXX $ They supposed to refund this amount to me by XXXX I tried to call them but every time i speak with an company representative they keep telling me that they issued the refund and i will receive it in 15 days The problem is they keep telling me this every week " we issue the refund and you will receive it in 15 days '' Last week i called and i asked them to send me the receipt witch show s that  they indeed send the refund but they refuse to do that witch means that they didn't send nothing at all today my wife called them again and they say they will issue the refund and we will receive it in 15 days every time we call they sell us same story we issue the refund today and you will receive in 15 days Thank you for reading this complaint
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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 XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/2020 at approximately XXXX XXXX  I was called by phone number XXXX. When I answered the phone line was silent for a moment and went dead. I attempted to call the phone number back and I was put into touch with Radius Global Solutions. When I requested to know why the company was using an  autodialer that was disconnecting calls I was told that they do not use an autodialer. I then asked who called me and why they disconnected the phone line. I was immediately transfered to a supervisor, XXXX, who once again stated they did not use an autodialer. He said I called back the wrong company ; however, my phone record will show the call came from the number I called back. I asked why one of their employees called me before immediately ending the phone call. The supervisor began asking me intrusive questions and when I refused to answer he said that the call was noted as " refusal to authenticate. '' I asked him how me saying " hello '' was refusing to authenticate. He refused to answer and said they would investigate it. Now I fear that if my phone number is in their system the company will continue these harassing and disruptive practices of calling me and hanging up. It is even more concerning that employees are the ones doing this.
Product: Vehicle loan or lease

The loan is bad. I wasn't aware of this until I attempted to refinance. I did state that the loan was way too much at the beginning but I was told if I paid for one year I would be given the option to refinance. When I went to do this I was told the reason that I can NOT refinance is that the Loan to Value for this loan is 260.00 % The car is worth {$9400.00} My current loan is {$23000.00} I am a XXXX patient and I called to see if there was ANY WAY to negotiate a payment I can do. There are NO hardship programs. I am paying but I want to refinance so that I have a more reasonable loan and csr payment. They did NOT offer me any refinance options and no refinance company will touch this. They have literally tricked me with legalese and lied about options we would have later. Being that they are a financial company I am SURE they are aware that that kind of LTV is going to LOCK US IN. However when we asked we were told on a recorded line that we could refinance. No one will do that with this kind of LTV ever! I didn't know this! But I did see this was so high and I DID ASK AND THEY LIED AND SO DID THE DEALER.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it was fraudulent & was opened without my consent or knowledge XXXX XXXX Date Opened : XX/XX/2010 Balance : {$0.00}. 

If you claim this account are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX of XXXX, XXXX did a back ground check for XXXX XXXX XXXX in regard to a XXXX XXXX XXXX. They have incorrectly listed a case from XXXX XXXX XXXX XXXX XXXX, XXXX CR XXXX as a felony when it is in fact a misdemeanor, as shown by the Bill of Information and the Termination entry. The matter stemmed from patrons of a XXXX house in proximity to my residence and the associated XXXX trespassing through my property. 

The records are online through the clerk of courts, as docket entries. 

I can fax copies if needed.
Product: Credit reporting, credit repair services, 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, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, has 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 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: Checking or savings account

I have checking account with XXXX XXXX XXXX, in XX/XX/XXXX & XX/XX/2017 there were few ACH debit transactions which I disputed because I did not authorize those transactions. Those banks which did debit I dont have account with them & when I contacted them they told me that they dont see any account under my name, so they recommended me that I need to file dispute with my XXXX XXXX XXXX which I did.

Capital One refunded money on my account but its been more than 3 months they put a hold my account & I cant access my funds.