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

I recently received a letter from Equifax stating that a credit file could not be located under my name. This is quite confusing as I have documentation from Equifax that confirms the existence of my credit file, and I have attached the relevant documents for your reference. 

I am concerned that there may be an issue with the information on file, particularly as I have recently married and my last name is now XXXX. I have already submitted all required documents to Equifax, but the issue remains unresolved. 

I would appreciate it if you could clarify why my credit file can not be located, and whether there may be any issues related to my name change or other identifying information. I am committed to resolving this issue as quickly as possible and would like to understand what additional steps I need to take. 

If there are any discrepancies or further identity verification required, please let me know so I can provide the necessary documents. Additionally, I would like to understand what actions Equifax is taking to ensure that my credit file is properly linked to my current name and address. 

Thank you for your prompt attention to this matter. I look forward to your response. 

I also feel they are ingoring my disputes it has been over 30 days and i have had no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I CONTACTED XXXX XXXXXXXX FOR ACCOUNTS THAT THEY REPORTED TO CREDIT BUREUS AS PRIOR COMPLAINT THEY BLOCKED AND REINSERTED THE ACCOUNT TO ME CREDIT SO PER CALL ON XX/XX/XXXX I TALKED TO XXXX XXXXXXXX FRAUD DEPARTMENT REPRESENTATIVE ON RECORDED AND MONITORED LINE SHE TOLD ME THAT ACCOUNTS ARE FRAUDULENT AND IM NOT RESPONSIBLE FOR THEM AND THEY SHOULD BE REMOVED FROM MY CREDIT REPORT THOSE TWO ACCOUNT XXXXXXXX XXXX
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 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 for these violations.
Product: Checking or savings account

On Saturday, XX/XX/2024, I opened my CHASE BANK savings account and to my horror discovered that in 3 separate transactions, {$240000.00} had been fraudulently removed from my account. I immediately contacted CHASE, began a notice of fraud and disputed the transactions and closed the violated account. 

I was informed by CHASE the $ was attempted to be sent to 2 fraudulent XXXXXXXX XXXX accounts opened by the thieves, without XXXX contacting me, on Friday, XX/XX/2024. 

I truly believe that due to my efforts and pursuit of justice, the thieves never succeeded in acquiring access to my money. 

CHASE has reimbursed me in full plus some interest. 

Neither institution has apologized. XXXX informed me that they will no longer accept me as a client within their banking institution. 

XXXX XXXX XXXX XXXX. Had I committed such acts of negligence I would have been sued for malpractice. 

I would like to seek monetary damages against CHASE and XXXX banks for their breaches of security and for the detrimental physiological impact each have inflicted upon me. 

How can your institution help me? 

Thank you, XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2021, XXXX XXXX XXXX  declined my option to open a checking account based on ChexSystems records indicating that there is a 3rd party alert on my profile. 



XX/XX/2021, XXXX XXXX XXXX XXXX declined my option to open a checking account based on ChexSystems records indicating that there is a 3rd party alert on my profile.
Product: Checking or savings account

I Filed My XXXX return i requested that it be direct deposited into My Cash App account however it ended up going through 3 different institutions that i did not know about it got sent to XXXX XXXX XXXX XXXX  says they sent it to the tax product group in XXXX XXXX and they say they sent it too XXXX bank ive never heard of these institutions up until now i have a tracer number and the account number but im not getting any information as how to get my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to call to correct the address that XXXX XXXX XXXX XXXX is reporting and they were very unclear stating they couldn't change the incorrect information because the account is closed ... Also XXXX XXXX XXXX XXXX are reporting a late charge from XX/XX/2012 on my XXXX  and Experian reports that is inaccurate. Company hangs up on their customers constantly, refuses to follow federal judges orders, and tries to micromanage their customers speech. XXXX XXXX XXXX XXXX are fraudulently reporting incorrect information as one of their representatives put it to " on purpose '' to tarnish my excellent credit record. XXXX XXXX XXXX XXXX   can't even keep their own facts straight they report 0 missed  payments to XXXX  ( which is accurate. ) but then turn around and report different false information to two other bureaus.
Product: Debt collection

This letter serves as a formal notice regarding your continued violation of the Debt Parking Rule, as outlined under the Fair Debt Collection Practices Act ( FDCPA ) and relevant Consumer Financial Protection Bureau ( CFPB ) regulations. It has come to our attention that XXXX has engaged in unlawful practices by placing alleged debts on my credit report without proper notification, a clear violation of the Debt Parking Rule. This deceptive tactic undermines my rights as a consumer and negatively impacts my credit profile without due process. 

Furthermore, I have previously communicated, in writing and via email, several other violations committed by XXXX, all of which have been carefully documented. These communications detail additional breaches of federal and state debt collection laws, to which XXXX has consistently failed to respond. Your ongoing refusal to acknowledge and address these violations demonstrates willful noncompliance and disregard for your legal obligations. 

Let this letter serve as your final notice. If I do not receive a full and satisfactory response within XXXX  days, ( XX/XX/year> ) from the date of this letter, I will have no choice but to escalate this matter. This will include, but is not limited to, filing formal complaints with the CFPB, the Federal Trade Commission ( FTC ), and taking legal action to seek damages for these violations. 

I urge you to treat this matter with the seriousness it deserves. Continuing to ignore these violations will only further compound XXXX 's liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am working with the SBA for disaster relief funding and they have suspended and potentially could deny my application because they reported to me that my credit report is frozen. I did not request freeze and the other two agencies, XXXX  and XXXX, I verified that they were not frozen. I believe that the freeze that is in place is in error and was not requested by me. 

The process for requesting a freeze is in writing only which I did not do. And the request to remove is the same process.
Product: Money transfer, virtual currency, or money service

Someone hacked into my paypail. Changed email and phone number. PayPal never alerted me. Than they transferred XXXX and XXXX dollars from my linked checking account to their account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a late payment on my XXXX XXXX credit card with Experian and XXXX and they keep telling me that the late payment has been verified, the problem is that neither Experian or XXXX ever provided me with the proof that I need and that I requested from them showing me that the late payment on the account is accurate. I asked both of the credit bureaus for the bank statement where it shows that I was ever late on this account and I have never received any proof from any of them. They are lying by verifying the information that I disputed, when in fact they never did an investigation on the late payment because the investigation only took 5 days for them to answer me back. I want the bank statement from the creditor where it shows that I was late on the account and that I was late on the say that they are saying that they verified.
Product: Debt collection

Dear Sirs : XXXX XXXX XXXX is aware that I reside in a area that was affected by Hurricane Harvey in Texas. My county is one of many under The Federal Emergency Disaster Declaration that went into effect on XXXX/XXXX/XXXX. 

Consequently, I am under a 90 day moratorium issued by FEMA since I have a FHA backed mortgage. XXXX  is fully aware of this as indicated by them verbally and in writing. 

This Federal Moratorium prohibits any Forclosure or Collection related activity thereof from XXXX/XXXX/XXXX onward and possibly extended. 

However, I continue to get harangued with phone calls and letters threatening Forclosure and most recently from an outside agency XXXX has since contracted with as seen by the attached letter herein. 

I have asked them to please stop these attacks and to respect the law set in place due to this Natural Disaster mandated by FEMA. This harassment is uncalled for and perhaps illegal. 

Very truly yours, XXXX XXXX XXXX
Product: Mortgage

I was notified about. Settlement opportunity during a class action lawsuit. When I call the wait times are extremely long or I get disconnected. There is a class action lawsuit suit filed against this company. I was not aware of this not did I receive documentation on this matter. I have been with this company since 2004 and I am seeking to find out more about this matter. I have noticed higher payments and rates that I am required to pay and I have not discussed anything additional with this company. Can someone please contact me at your earliest convenience about this matter. Thank you XXXX XXXX XXXX
Product: Debt collection

Calls 3-4 X per day, just called at XXXX Changes numbers and continues to call repeatedly
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report that I would like removed. 
According to the FCRA, these unverified and unauthorized items must be removed
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( XXXX ) XXXX -- 1002.142 ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit card

On the XXXX of XXXX I called Citi Bank customers service because the bank tried to access my bank for XXXX payment which I never authorized and Ive been paying the monthly amount since XXXX. This month was the first month they tried to collect the statement balance and I tried to work with the customer service representative but he got abusive and when I asked for a supervisor I was told they didnt havent any. I informed him that he has to forward me to a supervisor after I have requested one. The call got heated after that so I closed my account which he did do after much back talk. As of the moment my account is closed but I will keep an eye on it. Any help in this matted would greatly be appreciated. 
Thank you in advance, XXXX XXXX
Product: Credit card or prepaid card

I reload my money to this before purchasing it says in booklet that comes with the card if any issies with an purchase I was protected, Well I had an issue with a purchased I submitted a dispute with the company I got an email requesting my purchase documents I submitted them online as requested got an email back from the company stating the documents weren't good enough, So I called the company ( Americian Express Serve ) Iasked what proper documents were needed amd why wasnt it acceptable, I haven't gotten an answer the representative stated they will get back to me friday, I explained to the representative you guys said 10 days to see temporary credit and they should be done with the investigation around that time, I havent received anything they've been still stalling giving me alot of excuses this has to be the worst company very disappointed.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft fraud and have provided supportive documentation however, it's still not being resolved it becomes very frustrating while accounts and information is still reporting in results of being a victim the following items I have not authorized and don't belong to me are the following items : Addresses XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX CT, XXXX XXXX, NJ XXXX Employment XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP XXXX VIA DEALER, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/year> 2023
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some inaccurate accounts reported
Product: Debt collection

I got a credit strike for debt XXXX XXXX reversed after an investigation into unauthorized billing. Its from a location I do not live in. I moved to XXXX  in XXXX of 2020. I have a XXXX  and XXXX. They obviously did not know you have to send mail or make contact before reporting a collection to a chapter XXXX protected individual. File # XXXX XXXX XXXX XXXX  XXXX. I had billing fraud from XXXX Hospital in XXXX. XXXX XXXX XXXX XXXX  attempted to collect for a preemployment physical and then a XXXX  XXXX. XXXX  swept it under the rug but he has more complaints, and licensure investigations for having XXXX with patients, XXXX  use, and HIPAA VIOLATIONS. I have a great XXXX  team and a great attorney who has advised to report this as fraudulent credit collections. I will sue them in court for unauthorized credit card billing, identity confusion, signature forging, and illegal collections of a bill not received. I am contacting you because of the threats in the past. XXXX  XXXX  collected from them money they investigated for running a card for payment 400 miles away. I am reporting a violation of federal law. I will be happy to produce evidence of such.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/year>. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed XXXX : Click or tap here to enter text. 
XXXX. XXXX XXXX XXXX  XXXX : XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

Although, the 3 credit reporting agencies, XXXX, Transunion and XXXX have removed a {$290.00} XXXX account two times. However, the {$290.00} XXXX account shows up again with a different companies and it is reoccurring on my credit file with all three companies. Most recently I have found that this account is now with XXXX XXXX XXXX and indicates that it was opened around XX/XX/XXXX, when the errant delinquencies has been removed and reappearing now, four times, since XX/XX/XXXX. Again, these were not services that I received, as I sold and moved to another state in XX/XX/XXXX. XXXX was notified by phone and through my online account that I had sold my home and was moving in XX/XX/XXXX. I did provide tangible information and proof of payment to all three credit reporting agencies. I am attaching my correspondences in this compliant.
Product: Checking or savings account

Hello Dear CFPB My name is XXXX XXXX, I went to Citi Bank Branch at XXXX XXXX XXXX XXXX Ca XXXX on XX/XX/2023 to deposit Cash {$5000.00}, teller took my money and asked my social security number and asked me to provide my identification card which i provided and after depositing she printed out receipt that funds has been deposited, After i left branch i came home and checked online my account and i couldn't find my funds of {$5000.00}, i was panicked because there has not been any record of deposit whatsoever .Long story short I went back to branch next day spoke with branch manager her name was XXXX  about my missing deposit, I was told that teller who assisted me yesterday made mistake and deposited my funds to another customer which is very unusual because teller asked my social security number couple times to confirm my account and asked to provide my ID card and my address. 

I am very concerned and want please citi bank to fix this unbelievable mistake and credit my account as soon as possible because {$5000.00} is a lot of money and i have a lot of bills to pay and can not wait to get my money to be credited.
Product: Mortgage

I am trying to login to my PHH mortgage account and for several days, I get errors and can not get logged in to check payments and balance. Their phone number directs clients to login to " XXXX '' which takes the client to a page 'click here to login to our new portal '. That quickly fails with one of a few " Internal errors ''. I've tried several times today, XX/XX/XXXX, and both days last weekend, XX/XX/XXXX and XXXX. They now have no staff on the weekends and with the current virus situation, it is imperative their customer login actually works.
Product: Credit reporting or other personal consumer reports

I've obtained a copy of my credit report, and after careful review, I have identified inaccuracies. I am out of any and all authorizations I have given written, unwritten, verbal and non verbal consent. I do not have a contract with YOU, your agents, or your company. YOU continuously report negative items and false and misleading information while attempting to collect alleged debt. YOU have an obligation to protect me as a Consumer. Instead, I am fighting identity theft, defamation, causing harm to me and my financial well being. YOU are also committing Mail Fraud. I have one name, one address, one phone number, and one email. 
I am requesting the following : Delegation of Authority What agency/agencies gave you my information without my consent?

How was my information provided to you?

Are you the trustee?
Product: Credit reporting or other personal consumer reports

What happened was last year XX/XX/year> this lady totaled out my car and when she totaled out my car I means I couldnt drive it. It was drivable so. So they totaled out my car the ladies insurance XXXX paid off my car to capital to Chrysler capital Chrysler capital had their nerve and audacity to put my car on my credit report as a repossession. I asked them did you not cash that {$XXXX} check the lady says yes, what we supposed to do with it how dare you put it on my credit report as a repossession yes Im following a complaint and anyone else that I need to follow complaint with Im gon na do it because this is XXXX. These people should not be able to be in business to stay in business to do all this extra nonsense that should not have been done, I may have been in a car wreck, but Im still here totaled out, but Im still here cause XXXX said hes not done with me yet and Chrysler Capital is not gon na get away with this. So if you need me or you got other resources that I need to reach out to please let me know if I need to call the justice department Department of Justice so I need your help because they have no right to put my car as a repossession. Thank you.
Product: Mortgage

In XXXX XXXX 2011 XXXX XXXX XXXX XXXX XXXX sold my property to the same investor BANK OF NEW YORK XXXX XXXX XXXX XXXX I filed a lawsuit against them we did a seattlement obtaining a loan modification on the account but I never got title back, the property is not showing on my name the title is showing still with the name of XXXX ( XXXX ), I had contacted the attorney that represented the trustee and the investor with no results until now, they dont know what happend to my case and the lender who is now Nation Star said that I XXXX XXXX appear as the owner, but I have a person living in the property that I wanted to do an unlawfull detainer and is not possible because Im not holding title. This continues to affect my credit since is showing as Im late, I also have a city report with a ticket becuase of the bad condition of the proeprty I cant fixed becuase the tenant doesn allow me to enter in the house because according to him and his attorney Im not the owner.