23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I have held a mortgage through US Bank on our primary residence since XXXX. We have always received paper monthly statements from US Bank. In XX/XX/XXXX, we refinance our mortgage through US Bank. Subsequent to the re-financing, we began to receive email notifications of our monthly statement, instead of a paper statement. I reached out to the person at US Bank who had organized our re-financing and he said that he would submit a request to switch to paper statement. Nothing changed. I called customer service to request a switch to a paper statement. This time, the email statements were turned off and no paper statements were sent. As such, since XX/XX/XXXX, we have received NO monthly statement whatsoever. I have made two additional phone calls to customer service and we are still not receiving any form of a monthly statement. It is super frustrating - but also makes me angry as if I miss a payment I'm sure they will be happy to assess us a fee.
Product: Vehicle loan or lease

Santander consumer reported my car loan as delinquent and over 90 days late as of XXXX. I had just made two payments about two weeks prior to them charging off my account. They did not notify me that the account was going to be charged off and lied saying I was late on my payments which I never was. I have proof of payments showing I was not delinquent. I have tried to dispute on my credit report and have called the company but they continue to lie and say that they already charged it off as a bad loan so there is nothing they can do. Santander consumer has already had numerous lawsuits doing this same thing to other people. I will be filing a suit against them if this is not taken off my credit report.
Product: Checking or savings account

XX/XX/XXXX : Wells Fargo transferred XXXX : XXXX to XXXX to XXXX XX/XX/XXXX : Wells Fargo transferred XXXX to XXXX XX/XX/XXXX : I withdrew XXXX and put it into XXXX. 

Why did all of these transfers happen? Through all of those accounts? I did not authorize all of those transfers. What would be the purpose? 

XX/XX/XXXX : I had to withdraw all of my money and put it into cashiers checks ( all of the money was transferred through other accounts before allowing me to withdraw it ; I was not aware of any of these transfers ). 

{$20000.00} was taken from XXXX which I do not have statements except for XX/XX/XXXX : when there is tele transfer of XXXX cents to XXXX. The account was closed so I didn't get access. I know I did not make a tele transfer of XXXX cents.
Product: Payday loan, title loan, or personal loan

I received an alert for an unauthorized transaction from Affirm for {$740.00} and a down payment has been taken from my checking account tied to my Affirm account for {$140.00}. Ive made an attempt on multiple occasions to dispute it with Affirm and have gotten no response and instead a denied dispute decision and they would add detail without informing me that I needed to provide proof for the dispute. Ive contacting the merchant XXXX and was told that only Affirm can handle fraudulent charges. I sent over that conversation to Affirm and was still denied. How can I further proof for a transaction that I didnt make. They have been messing with my name and my credit since XXXX and contacting them never seems to work. 

Loan ID : XXXX Disputes : XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX Ive called them on multiple occasions as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Breach Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been led to request under FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/year> under the account number ( private ), an account opened at XXXX XXXX on XX/XX/year> under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/year> under the account number ( private ), an auto loan account opened at XXXX, XXXX on XX/XX/year> under the account number ( private ), an account opened at XXXX XXXX XXXX XXXX on XX/XX/year>. These accounts have resulted in several fraudulent charge-offs/collections appearing on my consumer credit report. I've attached a copy of the consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections/charge-offs as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and collections 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud.
Product: Debt collection

XXXX XXXX is reporting a debt on my XXXX, XXXX, and XXXX reports which the have not provide sufficient information and documents showing that I legally owe the debt and that the can legally collect the stated debt. I have sent disputes to them but the keep responding by stating debt is valid without providing any proof of what they are verifying to show account belongs to me ( original contracts bearing my signature, account histories, legal right to collect the debt ). The are in severe violation of FCRA laws their refusal to validate debt is mine and continuing to report this damaging, derogatory, and defaming accounts to the credit bureaus without any documented proof that this account is mine or the have the right to collect from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR SANTANDER, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you  are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

ACCOUNT OPENED : XX/XX/XXXX ACCOUNT CLOSED XX/XX/XXXX ACCOUNT # XXXX AMOUNT OWED : {$17000.00} SINCERLY, XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. XXXX XXXX Account Number : XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT.

PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO.

CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!
Product: Credit card

I cashed a convenience check linked to my US Bank XXXX XXXX XXXX XXXX XXXX XXXX. After depositing the check I changed my autopay setting from pay full balance to pay the minimum balance. The autopay setting does not change for 30 days and I was charged a fee even though I had payed the minimum balance. US Bank 's convenience checks create a catch-22 for customers who are enrolled in autopay where either the balance of the recently cashed check is payed in full or a fee is charged ( due to not having sufficient funds in the account ). Essentially, someone at US Bank with autopay is cashing a convenience check that will be immediately payed back to US Bank in full if they have the autopay setting selected.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car broke down and I needed a new car to get to work and back home. I went to the dealership to shop around for a car. Before I could make any purchase I had to get my credit report pulled. While they pulled my report I was told that I would have a high interest rate due to multiple things listed on my report that did not belong to me. Could these items listed below please be removed from my report. 

COLLECTIONS XXXX XXXX XXXX XXXX XXXX {$67.00} COLLECTIONS XXXX , XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am recent victim of identity theft. Please remove these fraudulent items for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more explanation on, XXXXXXXX XXXX XXXXXXXX XXXX, and it need 's to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXXXXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .They do not belong to me. Delete & BLock immediately! 


Collection Account : XXXXXXXX XXXX ( CREDIT CARD ACCOUNT ) Account Number : XXXX XXXX delete it from my credit report. 
Date Opened : XX/XX/2022 Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following accounts in dispute are listed below : This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : XXXX  # XXXX****, XXXX # XXXX****, XXXX XXXX # XXXX  I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Product: Credit reporting or other personal consumer reports

Every single item reporting on my EXPERIAN CREDIT REPORT is inaccurate. Per FCRA consumer laws, my reports must be accurate or the item removed.

I have attached my credit report as of today 's date. Each item either is reporting inaccurately concerning charge-off status, payment history, balance showing as a charge off, or has NOT been validated per my request in the case where the debt was sold to a 3rd party non affiliate collection agency. 

PLEASE REMOVE THESE ITEMS FROM MY REPORT.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCLUDING EVERY OTHER ITEM ON THE REPORT )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, and XX/XX/XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX ( a third party collection agency ) was contacted in regard to two fraudulent accounts ; XXXX XXXX XXXX XXXX in the amount of and XXXX XXXX XXXX XXXX in the amount of {$210.00}. Alleged debt for account XXXX on XXXX Transunion report was being reported at {$220.00}. XX/XX/XXXX Transunion credit report is now being reported at {$140.00}. 

An Affidavit of Fact was sent to XXXX XXXX CEO of XXXX  and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

There has not been a VALIDATION of alleged debt by either Transunion or the third party collection agency. 

My credit profile that was generated XX/XX/XXXX, indicates that the " Account information disputed by consumer '', but it is still reporting negatively on my report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I received an email which launched a series of events resulting in my being defrauded of {$9700.00}. A scammer communicated with me via email, cell phone and text messaging. He created a confusion and convinced me I had made a mathematical error resulting in money being deposited into my account. He then created an urgency which then made him the victim of my error and that I needed to help him so as not to compromise his job. I was provided a foreign bank account in XXXX and a script to convince a bank employee to wire money internationally. The scammer was able to take control of my computer screen and establish a false sense of credibility. I went to PNC Bank and recited the script. As a senior citizen living in a resort town as a full time resident I am a familiar customer at the bank branch. An employee equipped with the proper training would have seen the warning signs that a fraud/scam was evident. A trained bank employee would have seen my banking history never showed an international wire of funds. A trained bank employee would have been equipped with a series of questions that would have included asking me if someone took control of my computer screen. A trained bank employee would have asked me if I was provided a script to follow once arriving at the bank. A trained bank employee would have questioned me as to why I was sending {$9700.00} to a bank in XXXX. A trained bank employee would have provided me with a fully executed copy with my signature.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violates the customer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on there platform, Leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was extremely unfair and deceptive, as they did not comply with error resolutions requirements Under the electronic fund transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a concerning issue I have been facing with BMW Financial Services. Recently, I discovered that they have misused my credit report and have not removed any late payment reports from my credit report even after my car loan has been fully paid. 

To provide some context, I had taken out a car loan from BMW Financial Services a few years ago. Throughout the duration of the loan, I made all my payments on time and in full. However, despite this, BMW Financial Services reported multiple late payments to the credit bureaus, which had a negative impact on my credit score.

Furthermore, even after I had paid off the entire loan, BMW Financial Services did not remove any of the late payment reports from my credit report. This has continued to negatively affect my credit score, making it difficult for me to obtain credit in the future.

I have attempted to rectify this situation by contacting BMW Financial Services multiple times, but they have been unresponsive and have not taken any action to remove the late payment reports from my credit report. 

I believe that BMW Financial Services ' actions constitute a violation of the Fair Credit Reporting Act and have caused me significant harm. I kindly request that you investigate this matter and take appropriate action to ensure that BMW Financial Services rectifies their error and removes the late payment reports from my credit report. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has repeatedly communicated with me both directly and indirectly by duress and coercion. My vehicle was repossessed which they had no right to do as there is no UCC filed meaning no lien is present. Theyve sent multiple correspondence lowering the price in order for them to remove. They went as low as requesting me to pay {$2000.00} and they would delete and remove because they are aware that I truly owe them nothing. The car was paid for at the consummation of the transaction to which I had no awareness. The contract was also subject to arbitration to which XXXX XXXX  failed to comply by and illegally and unlawfully repossessed my car and still trying to purchase the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had credit card with XXXX (XXXX) XXXX.  Fell behind on payments in XX/XX/XXXX.  My account was sent to attorney for collection.  In XX/XX/XXXX, a payment arrangement was made for XXXX per month.  I have made 23 monthly payments on time, every month.  However, XXXX is reporting to Experian that my account was charged off and every month they are reporting "Failed to Pay".  In XX/XX/XXXX, I filed a dispute with Experian in which XXXX declared their reporting was correct.On XX/XX/XXXX, I contacted attorney's office and confirmed that all 23 payments have been received and forwarded to XXXX.  I was told to contact XXXX directly to fix credit reporting error. I spoke with XXXX from XXXX and was told they would not remove the Failed to Pay because that was the standing my account was in before it went to the attorney.
Product: Checking or savings account

Hello team consumer financial government, I yesterday register company Sofi money https : //www.sofi.com/ for open checking account, after verify my identity documents us passport too more documents, they force upload photo of driver license card, without it, they said unable approved account in application company, I request letter by Admin/CEO, refused to allow an option, it's totally abuse, I believe that too against law, force only provide driver license card, of course it's no legal, I don't get any solution for reslove the problem.
Product: Credit reporting or other personal consumer reports

Experian has refused to honor my ID theft report for accounts that are not associated sites with me. They have asked for the same verifying documentation XXXX, which have all been provided. They claim they are unable to see the attachments to the CFBP and have requested verifying information from the debt furnishers which are on accounts where my identity has been stolen in not only the data breach. I have submitted documents and over the phone they refused to remove an account and address not associated with me and this account was included on my ID theft report. They verified forged accounts and refunded to share how they verified false data that the other agencies have determined to be fraudulent. Even verifying a debt after the furnisher provided me with a delete tradlibe due to fraud letter
Product: Credit reporting or other personal consumer reports

This need 's to removed from XXXX and equifax. Or send me the letter of approval under federal law
Product: Checking or savings account

On or about XX/XX/XXXX and XXXX two fraudulent charges in the amount of {$150.00} plus a {$5.00} ATM fee was withdrawn from account. I noticed it on the XXXX and immediately went to Chase bank to inform them of what happened. They cancelled my debit card and reissued me another XXXX ; they also reversed the transactions pending an " investigation ''. About 2 weeks later I notice that the money was taken again from my account. When I called the investigation team at XXXX they informed me the claim was denied because " you used your pin at the XXXX XXXX XXXX in the XXXX ''. I live and work in XXXX, La. I asked them what do I need to do to prove that I was not in the XXXX so I can get my money back. They informed me I need to provide documentation that I was not in the XXXX. I had my employer write a letter and provide the time sheet proving that I was not in the XXXX. I went into the branch a few days ago and was told they had my information and I should receive a refund in 1-2 business days pending " investigation ''. Well today I checked my account and I still do not have my money back. I called the investigation team again and was told the claim was denied again because " I used my pin ''. I was not in the XXXX and I proved it to them, yet they still refuse to refund my money. Please tell me what more needs to happen for them to understand I did not leave the country, I was never in the XXXX and I did not complete this transaction.