23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I am XXXX, in a wheelchair, and my only income comes from XXXX. On XXXX XXXX, 2015, I went to an ATM to take out {$100.00} on my Treasury recommended Direct Express/Comerica Bank prepaid debit card. Several days later I learned that on that same day someone had taken out a total of {$1400.00} on my account, basically my entire monthly income. I submitted a fraud complaint to the bank. I also went to the police station to file a complaint. The police investigated my complaint. They showed me a video of my XXXX XXXX ATM withdrawal. The video showed a woman standing behind my wheelchair while I withdrew money and then later withdrawing my money. In XXXX 2015, I got a letter from Direct Express that they denied my fraud claim and would n't return the money stolen from me. I never learned why but when I called Direct Express they said they would reopen my fraud claim. It has been over a year since that time and Direct Express has still not completed my fraud claim or returned the money stolen from me. I gave my police report to Direct Express on several occasions long ago but they refuse to give me a time when my claim will be resolved or my money returned. I have attempted to get help from legal and other non-profit advocates. Direct Express refuses to talk with these advocates, even when I am on the phone with them or they offer to provide an authorization. I 've called Direct Express dozens of times in the past year but they wo n't tell me anything. Not only is Direct Express not helping with my fraud claim, they are refusing to let others help me with it. I have a limited understanding of my rights in this situation and Direct Express has made it impossible for anyone to help me.
Product: Debt or credit management

I dealt with XXXX XXXX for over XXXX : years back in 2020 and wasn't seeing any results..I decided to cancel they sevice and they stil was taken money out my account.
Product: Credit reporting or other personal consumer reports

Salesman ran my credit through multiple banks without my permission. The salesman said my account needed to be activated and needed to fill out a " form '' when he was really filling an application running my ssn. I asked for corporate office to credit mistake but the " manager '' was rude and hung up on me. 

XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I sent the attached letter to Chase. I also called to try to resolve these XXXX issues. Issue # XXXX : When XXXX forced the closing of my employer in XX/XX/XXXX, I called immediately to discuss options. I was not late then, but I asked what I could do in light of what was happening. The representative was kind. Attached is documentation that XXXX ) shows the late payments on my credit report, XXXX ) shows my employer was closed, XXXX ) shows I acted within the bounds of the CARES Act during XXXX by calling, and XXXX ) shows payments.Issue # XXXX : After this payment arrangement above, and before this issue above, I never missed a payment. In XXXX of XXXX, without warning, when Chase had been auto-deducting payments XXXX, they stopped. I had no idea, until I received an alert from my app XXXX XXXX which told me I had a late payment. I called immediately, and they would not remove it. The money was sitting in my account the entire time and it was never withdrawn. I asked them to please resume the payments as they had been, and that I wanted it in writing that these payments would be withdrawn consistently with no break. They agreed. This should be removed from my credit report as this was their mistake.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized inquiries on my credit report from XXXX, Experian and XXXX. These inquiries are inaccurate and appear to be fraudulent attempts to open accounts in my name without my knowledge or consent. 

Please see the dispute letters I attached on this complaint. It consist the details of unauthorized inquiries. 


The presence of these unauthorized inquiries on my credit report is detrimental to my financial health and could negatively impact my ability to : 1. Obtain credit at favorable rates.

2. Secure housing and rental agreements.

3. Obtain insurance at competitive rates.

4. Apply for certain jobs.

5. Actions taken to resolve the issue : I have already contacted the Bureau involved and disputed these unauthorized inquiries. However, I have not seen any progress to my disputes.

Given the lack of resolution and the ongoing negative impact on my credit report, I urge the CFPB to intervene and : 1. Require the credit bureau ( s ) to immediately remove the unauthorized inquiries from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

I have attached the copies of my dispute letters sent to the credit bureau, and any other relevant documentation for your reference.

Thank you for your time and attention to this matter. I look forward to your prompt response and swift resolution.
Product: Debt collection

The company Pharia LLC is hiring attorney to file law suit against me and having law enforcement officers to come to my house threat me to take everything I owe
Product: Credit reporting or other personal consumer reports

I asked the company on XXXX XXXX of 2023, to respond to questions, after I suspected that relevant information may have not been provided to me in the process of reading thru the literature, provided by the alleged lender. I asked the lender to define if the disclosed that it would steal my promissory note by depositing it as an asset and then create a liability and then loan me credits that came from me. Then ask me to pay them in the form of Federal reserve notes. I stated to the lender if it did not respond with answers to these specific questions and others in the specified time frame it would have agreed to the Terms and Conditions set forth in my Non Negotiable Conditional Acceptance of the alleged contract between the alleged lender and me. They continued to not respond in the way asked of them. I eventually gave Notice of Rescission of our alleged contract, due to the mistake I made by entering into an alleged contract without all relevant information needed to make and informed decision. The lender still refused to respond in the proper way. I got a Notice to cure from them, but it was after improper responses from them. They continue to report the account as delinquent rendering my credit score lower and lower, while we were engaged in negotiations.

Other conditions that they agreed to by their silence is removal of negative credit reporting and adjusting the account balance to XXXX. 

In accordance with the fair credit reporting act This creditor, ( Upstart XXXX XXXX, Upstart Network LLC ) has violated my rights Under 15 USC 1681 section 602, states that I have a right to privacy. 15 USC 1681 604 ( a ) section 2 states that consumer reporting agency cant furnish an account with my written instructions. 15 USC 166 ( v ) a creditor may not treat a payment on credit card account under an open and consumer credit plan as late as for any reason.
Product: Checking or savings account

I never authorized them to take out this money and they went into my bank account and took the money out I tried to relog in to my XXXX  account and they changed my password my everything on there that I can't even go into my account to see what happened or to see what money is still in there nothing and the bank is saying that they can't help us due to the fact that it was their account and it was logged in you know with our bank so they are saying that it isn't fraud well it is fraud because it wasn't me I never authorized these transactions and they were still taken out and I have been robbed please help thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX  Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 


3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


4. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 


5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 


7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX  Delete this account. 


8. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 


9. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 


10. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Delete this account.
Product: Money transfer, virtual currency, or money service

XXXX World Remit withdrew {$1200.00} XXXX cop from my account at XXXX XXXX for transfer to XXXX XXXX  XXXX. 

World Remit transfered {$1100.00} XXXX cop World Remit DID NOT ransfer the proper amt of money. 

I have contacted them by telephone and rec { d a case #. I have tried to contact by e mail and get only a computer response, not a person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion LLC received notice on XXXX XXXX to cease and desist reporting information that they were not permitted to report. Transunion LLC alleges that they conducted a Re investigation, based off of their correspondence dated XX/XX/2022 verified information. Their duty is to do what is to be impartial, fair, and equitable, pursuant to 15 USC 1681 ( 4 ) and they are being partial to third party information that they were not granted permission. The information that Transunion LLC was ordered to Cease and Desist, was never investigated from the alleged onset of Transunion LLC improper use. Under 15 USC 1681 ( b ) permissible purpose is required, and Transunion LLC is in direct violation as they do not have written consumer permission.
Product: Debt collection

Onemain financial sold my debt to XXXX XXXX, they sued me and I paid them. Now onemain financial is suing me for the same debt and a random amount. I never received any notification on the court dates either
Product: Credit reporting, credit repair services, or other personal consumer reports

I am repeatedly having problem 's with Experian, investigating and deleting this fraudulent address from my credit file. I have contacted Experian several times requesting that they investigate a fraudulent P O Box address listed on my Experian Credit file. I have called them and been given the run around. I have written disputes, and been advised that they could not honor my request. In addition some of the information that I am disputing in my Experian Credit report is attached to this address. This is not nor has it ever been my address.
Product: Debt collection

Dear Sir/Madam, I am writing in response to your recent communication regarding the alleged debt associated with the account referenced above. Before I proceed further, I must stress that this is not an acknowledgment of the debt, but a request for validation and verification as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Per my rights under 15 USC 1692g ( a ) ( 2 ), I am formally requesting that you provide me with the name of the original creditor of this account. Additionally, pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting detailed information regarding the amount of the alleged debt, as well as a breakdown of how this amount was calculated. Please note that this request is solely for validation of the AMOUNT of the alleged debt, in accordance with 15 USC 1692g ( a ) ( 1 ). 

Account Details : Account Name : XXXX Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status : Closed. {$1100.00} written off. 
Status Updated : XX/XX/XXXX XXXX : {$0.00} ( XXXX updated XX/XX/XXXX ) Furthermore, I request that you cease all collection activities until such time as the requested information has been provided and the debt has been validated. Failure to comply with these requests may result in legal action being pursued against your agency. 

Please be advised that any further communication from your agency regarding this matter must be in writing and sent to the address provided above. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

I go to the plaza del caribe location on XX/XX/XXXX and XXXX to deposit {$100.00} to cover an amercan express transaction at XXXX and the branch officers told me that the branch is closed. That there is too much customers. I tried to deposit cash on the atm and the Atms told that the card dont work. The bank gives me a provisional debit card that dont work for the transactions. Today XX/XX/XXXX I have a transaction of {$15.00} for a fantasy transaction. They dont post the amex returned payment but charge the fee on the statement. I go today XX/XX/XXXX to the XXXX branch and the manager XXXX XXXX XXXX XXXX attended me, and she dont want to help me. And dont understand the problems. I asked her to fix my debit card problem and she dont want to fix the problem. I ordered her to close the account and she told me that today that is not possible. I want from today XX/XX/XXXX the account closed as my order request was denied by the branch manager. Her service was poor. I asked to give her a letter for the closure of the account and she refused saying that its dangerous clousing the account with a letter.
Product: Debt collection

XXXX XXXX XXXX I went to emergency room @ XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX I provided my insurance. Last month I ran my credit I was denied due to collection was over XXXX some dollars. So I call ABILITY RECOVERY SERVICES XXXX XXXX XXXX, XXXX, PA XXXX inquiring about the bill that I wasnt aware. Thats when I request that she send me information about bill and the service. I realize after looking at paperwork they fail to file my insurance which was provided. I call bcbs federal about date of service they told me they paid all claim that was submitted for XXXX XXXX. So I call ability recovery to inform them what my insurance stated. They informed me thats was the emergency bill and not physicians emergency bill I ask her why that wasnt filed to my insurance since emergency room file my insurance. Thats when she stated that was my responsibility, I was like how, when I wasnt aware of the bill. I provided the insurance XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXXXXXX XXXX fail to file it. So I call XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX about bill they stated they going to submit the claim to my insurance which they have. The problem I have even though they know they made mistakes they still report on my credit report even though they know that its wrong. I disputed three times and all three times they saying its accurate when its not. XX/XX/year> bill for XXXX and XX/XX/year> for XXXX. The collection agency is ABILITY RECOVERY SERVICES And original creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete this account. 
Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Delete this account. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXXXXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
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  Account Number : XXXX Account Name : XXXXXXXX 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

About a month ago I filed a complaint about fraud for two credit cards, one with XXXX XXXX and the other with XXXX XXXX and I could only put one company in to file the complaint with so I went with XXXX to get that one started. That one came back as a fraudulent account and got taken care of. Now im filing for a fraudulent account through XXXX XXXX. It has greatly decreased my credit score and I didnt see it until last time I checked my credit score which is the same day I filed the complaint with XXXX XXXX
Product: Credit reporting or other personal consumer reports

I review my credit report and the following items are not mine. 

Also my fico credit score decreases with items it should increase with. 

Credit card theft XXXXXXXX XXXX Credit card - open XX/XX/2019. For XXXX XXXX credit card - opened XX/XX/2019 For XXXX Inquires XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account was opened on XX/XX/2023 the highest balance is of {$720.00}. 

The account was closed on XX/XX/2023. 

The contact info is : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ( XXXX ) XXXX I filed an FTC identity theft report, which is attached below ; and, I have no consent of this account.
Product: Mortgage

Flagstar took over my loan. They reviewed the escrow balance to ensure the correct amounts are being they found a shortage of XXXX XXXXXXXX My mortgage was {$3100.00}, then reduced to XXXX, and now has increased my monthly payments to {$4000.00}. They also said my payment was going to start XXXX and the XXXX payment was already set. 

The XXXX increase of the escrow was paid for XXXX was {$4000.00}. This monthly payment is a 30 % increase. This is an error on their part. I would not have been approved for a loan amount like this. Someone in accounting made such large margin of error and is incredulous and unbelievable for property tax deficit and the increase is XXXX. 

Flagstar has now conveniently sold the loan to XXXX XXXX XXXX XXXX. They said they would accept payments until XX/XX/year>. Now their site is having trouble and you can not make the payments.
Product: Checking or savings account

I am writing to express my concern with the latest announcment of the USPS First Class Price Increase combined with a slow down of service. Are you kidding me, we will now pay more for poorer service. Add to that the effects this may have on the delivery of bills and payments that are sent via the USPS. I have already received a notice from Wells Fargo offering insights into what I estimate will be one of their latest efforts to cheat average ameraicans out of more money. They see the slowdown in delivery going both directions as an issue. Add to that the extremly slow posting of payments by Wells Fargo and you have given them permission to bilk their customers of even more money by saying their payments did not arrive on time. Yes, there are other options for many, but for thousands of Americans Online Payments are simply not an option. Watch all of the other banks follow, although likely a bit more under the radar.
Product: Payday loan, title loan, or personal loan

Called moneytree to update my banking information because my account that is on file has been closed due to fraud! XXXX was very unhelpful on top of violating my civil rights and the American with Disability Act. She failed to reasonably accommodate me under federal law, she was insistent and adamant about me going to my bank to get a letter than states the account I want to make my payment with is mine!? I don't know anyone in this country who would pay for someone else 's payday loan!! Now I understand why my state wants to do away with payday loans because these companies are very unhelpful greedy entitles!
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX Dear Investigations Department : I am writing to request an investigation for TransUnion credit bureau. After reviewing my credit report, I noticed in XXXX there were several hard inquires that were removed and then reinstated on my credit report without prior written notification. I called TransUnion ( XXXX ) XXXX XXXX XXXX XXXX different times - Special Handling Department - to have all hard inquiries on XXXX 2016 and prior to XXXX 2016 removed from my credit report. 
I 've spoken with several customer service representatives and supervisors to resolve this issue. They all told me that " per their records - I was not affected by the glitch that occurred XXXX 2016 and nothing would be removed from my credit report ''. I know this is inaccurate information, and that this outage affected my credit report. What TransUnion has done with my credit report is unfair, deceptive, and fraudulent. 
I have the up most confidence that the CFPB will up hold The Fair Credit Reporting Act, 15 U.S.C. 1681 ( " FCRA '' ), which clearly prevents what TransUnion is doing. 

Thank you in advance for your prompt response and investigation! 

XXXX XXXX