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

In XX/XX/2020, I disputed an erroneous account that I found on my credit file with all 3 credit bureaus - XXXX, XXXX  and TransUnion. After the investigation, all 3 of the bureaus deleted the item. On XX/XX/2020 - I discovered that the negative item had been reinserted into my file by TransUnion. 
Problem - I wasn't notified within the 5 day notification period that is required or anytime thereafter. I had to contact TranUnion and file another dispute and then they refused to delete the item again. I submitted information to all three credit bureaus stating that the account was erroneous and the company XXXX XXXX XXXX is an unscrupulous company that physically ( in-person ) intimidates people and tries to defraud them through the court system. I have never done business with XXXX XXXX XXXX and have never received any correspondence from them until a man tresspased into my Apartment building pretending to be a postal delivery representative from XXXX XXXX   He waived what he told me was unpaid bills and a court citation in my face asking if I knew anything about it. After the man realized that I was scared & visibly shaken by him showing up at my home ; he stated to me that he doesn't like that XXXX XXXX makes him do that to people. He told me that XXXX changes the names and dollar amounts on accounts that they purchase for pennies on the dollar and immediately files a complaint in court hoping the defendants won't respond so they can garnish their wages. XXXX violated Texas Fair Debt collection practices act 392.302 HARASSMENT ; ABUSE and 392.304 ( 3 ) ( 4 ) ( 5a ) FRAUDULENT, DECEPTIVE, OR MISLEADING REPRESENTATIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent multiple letters to experian asking them to update my personal information, it took a months to fix finally they fixed then today to log in and theyve changed my address again without my permission and i have not moved from my current address which is XXXX XXXX XXXX XXXX XXXX mi XXXX. Today XXXX theyve changhed my address again
Product: Payday loan, title loan, or personal loan

I am unsure if this is the appropriate venue for this but I am a 100 % XXXX veteran trying to refinance a loan with One Main Financial and have been a customer for several years and refinanced in the past going from Secured to Unsecured. I get confused easily due to the brain damage from a XXXX blast and the financial advisor XXXX XXXX ) ( spelling incorrect ) showed in my opinion a discriminitory attitude towards me from the beginning eventually resulting in her hanging up on me during the process of giving her verbally my bank account and routing info. During these COVID times when we are discourged from going to businesses having someone who is supposed to walk us thru treat me so harshly and unjustly when I explained from the beginning of my special needs makes me scared to do business. Her superviser, XXXX XXXX? spelling ) helped me this morning with a problem XXXX could not yeaterday. Her unwillingness to be patient with someone with special needs is unacceptable and I am unsure of what agency can handle this. I am seeking guidance with how or who to make a formal complaint to. Thank you in advance for your assitance.
Product: Debt collection

XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX. ARE FELONY RICO CRIMINALS, SO NOW XXXX XXXX SELLS MY INFORMATION TO ANOTHER CREEP THAT CAN NOT PROVE ANYTHING, WHERES THE MINUS SIGN THAT WOULD SHOW A NEGATIVE BALANCE, YOU XXXX XXXX ARE SO STUPID, THERES SUPPOSED TO BE A MINUS SIGN IN FRONT OF THE NUMBER YOU XXXX XXXX furthermore i will swear under oath by penalty of perjury there is no debt, are you willing to do the same? in other words if the two criminals mentioned above are able to swear by oath under penalty of perjury this debt is valid and sign thier name to the affidavit i will pay them the full amount, they cant do it and WONT DO IT BECAUSE THIS IS ALL A SHOW, ITS PRESUMPTIONS AND LIES AND DECEPTION, THERES NOT EVEN A SIGNATURE FROM THE CLAIMANT, YOU GOT TA BE KIDDIN ME YOU XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Sure! Here is the extracted text from the image : ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX 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 1692b acquisition of location information by debt collectors.
Product: Debt collection

In XXXX I called to find out what was the collection for. Explained to them that they are reporting the same debt multiple times. That can the send me some information about the debt because I had no idea about. The lady to me that they arent taking it off until I pay they dont care if it illegally to report false information. Then a couple of weeks later they deleted to collections accounts but not the last 1. I called multiple times. I just would like to get this fixed. Because the reporting is damaging my credit and has been for years. I would like it all removed. Its causing a lot of problems with my credit.
Product: Debt collection

In XXXX of 2024, Midland Credit Management filed a lawsuit against me alleging that I owed them money. Prior to this, they harassed me multiple times per day, several days per week, with phone calls after I asked them to not contact me at work. Midland also seized funds from my personal bank account without my knowledge or consent. A fraud case was opened by my bank and the funds were returned to me. This company acted unlawfully by threatening me with immediate legal action without ever proving that I owed them anything.

I responded to Midlands complaint, which contained none of the exhibits that they claimed to have attached to said complaint. I am including these documents along with my complaint. I appeared at every hearing and prepared myself for a court trial. Midland did not appear at any of the court dates, nor did they ever provide any further evidence of their claims against me. They were sanctioned my the court and my case was set for dismissal by the judge in XXXX of 2024. When they were notified of the dismissal being set, they chose to dismiss their own case. 
They are now refusing to delete their negative report from my credit reports, despite my efforts of disputing the account, and are also reporting missed payments every month. They had their chance to prove that this is a legitimate debt, and in almost a year, they could not. I have attached all of the court documents proving that they did not appear.
Product: Debt collection

" If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' ( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in 5. proof of the last payment made on the account.

I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : I have contacted trans Union several times regarding this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a fraudulent activities in my checking account and credit card with XXXX  XXXX XXXX because my computer was compomised. It takes hours just to get someone from XXXX  XXXX XXXX XXXX XXXX on the phone. Then they would transfer you from XXXX department to another and then you are put on hold again and again. After all those hours spent on hold and days to get someone to take your report, 3 months later, they simply informed you that they do not believe it's a fraudulent activities. I even went to the bank in person but they just sent you away and tell you to call their fraud line. 
This is how my account was compromised. 
They would sent you a email and letting you know that your account was charge for an amount. If you believe this is an error please call XXXX XXXX XXXX XXXX  When you call them they said that they will reverse the charges but before they do that they kindly asked you to download an apps to that they can help prevent from it happening again. Basically the APPS allow them to access your computer so they can do virus scan. Then they will ask you to check your account to see if the amount was put back into your account. This is how my checking account was compromised. Because my credit card is link to the checking account, they transfer fund from my credit card to my checking account and claim that they over paid you and ask you to wire the fund back a foreign account because they claimed that they business internationally. So be aware of this scam.
Product: Checking or savings account

The complaint is in regard to Chime. I tried to deposit my tax refund check via their app to my account. During this process Chime requires that you endorse the check with " For Deposit to Chime Only ''. I received an error message that the check could not be verified and was NOT deposited to my account. I contacted Chime to see if perhaps a different picture could be used. They said that they could no longer do anything about this transaction. Now I have a check that I can not cash because it is endorsed to Chime and I need to go back to the IRS for a new check. This could take quite some time to get a new check from the Federal Government. I spoke with three customer service representatives and two supervisors. All of whom were not helpful and all anyone could say was a canned response that if a check can not be verified by their system during the first app transaction then nothing can be done. I certainly find that hard to believe. There is always a solution to a problem.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was a victim of this data breach and has done nothing. I can no longer be verified by using my very own social security number, name, and DOB due to this. 

1. XXXX XXXX acct ending in ( XXXX ) {$570.00} 2. XXXX XXXX acct ending in ( XXXX ) {$11000.00} 3. XXXX Acct ending in ( XXXX ) {$450.00} 4. XXXX XXXX acct ending in ( XXXX ) {$370.00} 5. XXXX XXXX acct ending in ( XXXX ) {$570.00} 6. XXXX XXXXXXXX acct ending in ( XXXX ) {$700.00}
Product: Checking or savings account

On XX/XX/year>, I visited XXXX and redeemed a XXXX for a Couple 's Massage ; I paid {$120.00} for the XXXX, with the XXXX 's Original Price being {$490.00}. I presented the XXXX code at checkout, clearly specifying I wanted a tip of 20 % to be added on the " AMOUNT PAID, '' - XXXX. An associate, XXXX, charged my debit card on file ( for what I believed to be {$25.00} ), yet she never asked me to sign a receipt, nor provided an immediate receipt, although I expected her to send one to my email address on file. The following day ( XX/XX/year> ) when checking my checking account statement, I still had not received a receipt ; however, I had noticed that {$68.00} had been charged instead. The charge was still marked as a " pending transaction '' and had not yet officially posted to my account. I immediately emailed XXXX, asking them to fix the mistake and apologizing for any inconvenience that may have been caused. I also sent a text via XXXX which showed it was delivered. They did not email back, nor text back, to fix the incorrect charge. I opened an Unauthorized Transaction Dispute with Navy Federal that day, XX/XX/year>. The dispute was closed two days later, with Navy Federal stating it appeared I was charged the " correct amount ''. I spoke to a Navy Federal supervisor, asking for details ; she stated that they needed an itemized receipt from the merchant to reopen the dispute. I received a receipt from XXXX on XX/XX/XXXX and emailed XXXXavy Federal the same day, via secure message, with a copy of an itemized receipt from XXXX, along with a copy of my XXXX receipt showing the Amount Paid that the 20 % tip was to be added to. The Itemized Receipt from XXXX clearly shows that I never signed/never authorized this transaction ( the company did not take my signature for this transaction ; there is no signature on the receipt. ) I also sent copies to Navy Federal of my email and text message to XXXX XXXX which I reiterated I had sent while the charge was still pending so XXXX could resolve before the payment had posted ). XXXX intentionally did not resolve the incorrect charge, nor did they email or text back to remediate the issue. I sent a follow-up message on XXXX XXXX to Navy Federal with a copy of all documentation to easily access in one message, and I asked them to reopen my dispute immediately. Since then, I have spoken with Navy Federal agents, and it appears that nobody has taken any action to reopen my dispute, nor respond to my emails.
Product: Credit reporting

I am in the process of getting vetted for a teller position at my town 's bank. I 'm in the background check part of the process and received a copy of my background report. On it under public record it lists a case I have no knowledge of and belonging to another family member. I would like this removed immediately.
Product: Credit card

THIS COMPLAINT IS ACOUNT CITIZENS BANK!!!!! 

I purchased an alarm system from XXXX in XX/XX/XXXX with the equipment finance through Citizen 's bank for our new home. The terms were {$66.00} to XXXX once a money and the financing for the Equipment was through Citizens it was another {$68.00} a month. In XX/XX/XXXX I purchase a new camera and charge to the Citizens account. Citizens without my permission opened a completely new line of credit and has been charging separately from the original agreement instead of just adding to the balance. They changed the terms to : {$66.00} to XXXX {$6600.00} to Citizens {$6600.00} to Citizens and have moved my account balance further and further past due even though I pay them every single month. They are now reporting past due to credit and my credit score has take a significant hit because of this unauthorize new account from Citizens I've called Citizen customer service about XXXX times speaking to people who barely speak English and then they transfer me to XXXX who has nothing to do with billing. Recently Citizens announced they no long do business with XXXX at all so no one will assist me with the billing. I spend hours on the phone with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax attached please find complaints I have filed against two collection agencies who violated FCRA in their response to your investigations of the fraudulent accounts they, XXXX XXXX  and XXXX XXXX XXXX, placed on my credit reports on/about XX/XX/XXXX and XX/XX/XXXX respectively, which I disputed but they replied that they had verified the accounts when they had not. As such, in violation of the FCRA, XXXX XXXX AND XXXX XXXX XXXX willingly and knowingly gave false and inaccurate information in their responses to those disputes, in their responses to the disputes I filed against you and them through the CFPB and in their response to the complaints I filed specifically against them through the CFPBs website after their claiming to you that they had verified the accounts when in fact they had not nor can they because the accounts are fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX  XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed : {$560.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$560.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX XX/XX/2023.
Product: Debt collection

Debt collection hit my credit in XXXX affecting the score. I reached out to the original debtor and was told it was race betting organization. I do not gamble at all! They told me they did suspect fraudulent activity. So they suggested me to get police report, which I did, and an investigator will reach back out to me. 

XXXX XXXX # XXXX Police report XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXXXXXX  under the account number XXXX and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$2300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/year> To : FactorTrust , Inc. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

On XX/XX/2018 I received a check in the mail along with a letter from PNC Mortgage in relation to my escrow account. The letter indicated, During a recent review we discovered while your loan was in bankruptcy, we did not complete a timely escrow analysis. This resulted in escrow shortage. The amount it closed is equal to a portion of the escrow shortage that you incurred. We apologize for any inconvenience. 

To this letter, I responded and requested a full review of my account dating back to my initial bankruptcy to ensure that a timely escrow analysis was conducted. Depending on the findings I requested, necessary adjustments, credit of interest and fees or a comparable amount of whatever is needed for corrections. It was my belief that, if they failed to do the timing escrow analysis currently, this may have also been done in the past. To this day I have not received a response from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to the Consumer Financial Protection Bureau in regards to Transunion 's Inquiry Issue. I have tried to reach out Transunion Credit Bureau on this situation and in regards to the rude employee they refused to address my situation as I am a VICTIM of their said Inquiry Issue, They also refused to delete the hard inquires. And all I ask is for them to take responsibility and do the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with tye Fair Credit Reporting XXXX  Account # XXXX and XXXX has violated my rights 15 U.S.C. 1681 Section 603 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am the recent victim of identity theft and several data breaches. I reached out to Equifax on XX/XX/year> to alert them if my situation. My sensitive information is significantly at risk and I believe its imperative to take immediate action to protect my identity and financial well being. I have mailed all required documents i have also disputed and uploaded via Equifax online portal all documents to prove I am a victim. Equifax has not responded or given me any peace of mind in regards to this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea how a membership for transunion credit monitoring was started as I had never even been on their website. I noticed the charge today on my bank statement and went to their site and they had a login that I didn't make and there I could see that I have been charged for this service I didn't know I had since XX/XX/2018. It shows 5 charges each for XXXX. I was able to cancel the membership online and then called them to reverse the charges as I still do not know how or where that account was created, and they couldn't provide that information when asked, they did reverse the most recent charge but said the other 4 could not be reversed.