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

During my time looking at buying a house/ car I checked my credit report and recognized all hard inquires from Experian dating back from XX/XX/XXXX to XX/XX/XXXX are all unauthorized and make me a victim of identity theft. 
I have already created and filed a report with FTC identify theft. 
According to 15 USC 1681 law there should not be any damages on my report that are a defamation to my character/ reputation by using identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account Number # XXXX XXXX XXXX and Account number # XXXX XXXX XXXX have 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed multiple problems with the following collection accounts, and hard inquiries. I was a victim of identity theft. I did not authorize the opening of any of these accounts. I received several alerts to my email from a credit-monitoring site that I had a trial service with years ago but paid no attention. I recently pulled my report and was in awe of the amount of errors and fraudulent accounts. I did some research and received some legal advice. A consumer-reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

There are several concerns I have with Experian, XXXX and XXXX. 

There is an account from 2014- XXXX XXXX  XXXX XXXX - that has been there since 2014. I've requested for this information to be deleted withing the law, and none have ever removed anything. 

How can this continue to occur?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( BlockKnc. ) ( e to it e quado 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 0:3Was untair and deceptive, as they i nor '' 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, credit repair services, or other personal consumer reports

Credit went from. Good to poor, due to identity theft, in last 8 months. All federal XXXX XXXX, loan, and ssdi 'missing ', and it seems like XXXX XXXX  would prefer I XXXX  rather than help me- just judging from their continual XXXX of my supposed character.
Product: Bank account or service

I was charged a {$5.00} fee by Bank of America for withdrawing {$30.00} on or about XXXX/XXXX/2015. There was no disclosure of the at time of the transaction. 

I called Bank America customer service number on the back of the card XXXX on XXXX/XXXX/2015 around XXXX central and was told that we were on a recorded line. I shared my concern regarding a {$5.00} fee and was told that the fee was because of a {$20.00} withdrawal at a gas station on XXXX/XXXX/2015 but that he did have the authority to waive the fee. I requested to talk to a supervisor, XXXX the supervisor said the fee was for a transaction of {$30.00} at another bank. I again explained that the fee was not disclosed and that I would not knowingly agree to pay {$5.00} to access {$30.00}. XXXX said that she did not have the authority to waive the fee. I requested the next layer of management to take my complaint to and told that there is no one else at Bank Ameica to take my complaint. 

I am filing this complaint because I do n't believe the undisclosed {$5.00} I was charged is fair and have no other recourse through Bank of America.
Product: Credit card or prepaid card

In in XXXX & XX/XX/2021, due to loss of employment due to the pandemic, I was over 60 days late in XXXX & XX/XX/2021 with my payments to Capital One Bank USA, N.A. for the XXXX account ending XXXX ; I was 30 days late in XX/XX/2021 to the XXXX account ending XXXX. 

I have sent 4 letters to XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX ; and XXXX XXXX, XXXX of XXXX XXXX asking for removal of the late payments from my credit reports ; The accounts have since been brought current. 

I believe under the CARES Act I am entitled to relief and these late payments should be removed. The bank refuses to acknowledge that the late payments were pandemic related late payments and will not make adjustments to by 3 credit bureau reports.
Product: Credit reporting or other personal consumer reports

XXXX Experian and XXXX still reporting inaccurate information on my behalf without my permission I sent documents and proven those accounts was due from Identity theft I uploaded police report and ftc reports that they saying is not honor denying me rights to my credit causing denial making hardship to provide for my family causing. stress and financial harm to my name and repartition .accounts listed is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX department of education XXXX XXXX XXXX  XXXX XXXX I so have a deletions letter from citi bank but the companies still reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Factual data XXXX Has cost me loans rates not being able to rent this is ridiculous Remove the fcra violation ftc inquires like 30 of them
Product: Checking or savings account

Stay away from this bank. They are not credible. I was victim of a scam. They told five different conflicting stories with regards to my account. Finally, they closed my account. This is no way to treat an account holder who has had a banking relationship with them for ten years. THESE XXXX  need to go out of business. Currently, I am trying p to find attorney for a possible consumer lawsuit against them.
Product: Credit reporting or other personal consumer reports

There are two fraudulent accounts from this company on my credit file, which needs to be blocked immediately, according to FCRA and USC 1028A of the constitution. I have contacted the company numerous of times, but the company did not respond via mail nor electronic medium. The fraudulent account which is listed on my report includes : Account Name : XXXX. XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE OPENED : XX/XX/XXXX, 2ND ACCOUNT IS : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I sent money to XXXX for my family members living support, I sent {$1000.00} to XXXX at XX/XX/year>, but they can't received the money, I called the Sigue for full refund, but I did not get my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

My spouse and I are applying for a mortgage. The Mortgage Company can not access or soft pull our Equifax credit reports due to this error message, " APPLICANT FILE BLOCKED AT XXXX '' " XXXX. '' I have contacted Equifax and there is no Block or Freeze on either of our accounts. I have a Fraud Alert/Dispute on my XXXX account, but have been told that that should not affect a credit pull. We are not able to move along in the home purchasing process because of this issue and the sellers are annoyed.
Product: Mortgage

To Consumer Financial Protection Bureau : On XX/XX/XXXX - I received the documents from my bank denying me of a Modification due that I make too much money, on this document they sent me I make {$7100.00} a month, which is in-corrected I make {$27.00} an hour which a month would be {$4300.00} before taxes are taken. ( {$3200.00} after taxes ) ( they have copies of my pay subs ) I applied for the Modification and was deny both times. 

I pay for Child care that come to {$1500.00} dollars a month. Plus cost of living. 
Credit cards are max. 

I have been on top of all of the paperwork and still they deny me an opportunity, I have been making my payments on time, but {$2600.00} Dollars a month is a lot of money for a single mother And grandmother to do on her owe. 

I bought at the end of 2008 when the market crashed and dont know how I was approved, for the loan to be honest with you. 

I have also applied for Keep your Home California for the principle Reduction. 

Please HELP ME with all this Modification loan. I need an affordable housing, me and the kids. a payment that I can make, with out going hungry. 

I know its a choice to take care of Grand-kids, but I couldnt see them go to Foster care and, Not knowing where they would be, or have someone XXXX ; XXXX ; or XXXX  them. 
the parents are in XXXX and in XXXX XXXX. 
Let me know what else I can do on my end. 
Thank you very much.
Product: Mortgage

For over XXXX  months I have been requesting XXXX XXXX XXXX the accounting error that arose when our loan transferred from SLS to XXXX I have XXXX XXXX XXXX dozen form letters stating that Shellpoint is " diligently XXXX working to resolve the issue. As of todays ' date, I finally received acknowledgement of a direct deposit made to the account in XX/XX/year>. When requested for an " instant payoff quote '', I received an account balance of {$58000.00}. This is still incorrect, and Shellpoint has not provided any substantial back-up to verify the amount. Dozen of phone calls over the months have resulted in no representative explaining the accounting on the monthly statements since XX/XX/year>. I refute the payoff amount.
Product: Credit reporting or other personal consumer reports

FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE XXXX XXXX BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$900.00} XXXX XXXX XXXX XX/XX/XXXX -- {$5700.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$660.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$370.00} XXXX XXXX XXXX XX/XX/XXXX -- {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$360.00}
Product: Credit reporting or other personal consumer reports

In XXXX and XX/XX/2024, I reviewed my credit report and observed that there were new hard inquiries to my credit report that I did not authorize. I have contacted the institutions and they have XXXX  information associated with the accounts or information provided. I have called Equifax and they have not helped remove the hard inquiries mentioned below. I demand this to be removed immediately
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT and INQUIRIE that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNT and INQUIRIES from my credit report. 
ACCOUNT : XXXX XXXX XXXXXXXX XXXX # XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries on my credit report were not from me 1. XXXXXXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX 2. XXXX ( XXXX ) XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX 4. XXXX XXXX ( XXXX ) XX/XX/XXXX 5. XXXX XXXX XXXX XXXX ) XX/XX/XXXX 6. XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

MRS BPO LLC, a debt collection agency, first contacted me via text message XX/XX/year>. Prior to this initial contact, before first speaking to me about the alleged debt, MRS BPO LLC reported a major derogatory mark to my credit reports, significantly lowering my credit score, on or about XX/XX/year>. 

In the written notice MRS BPO LLC mailed me, their document failed to contain the account number associated with the alleged debt ( or a truncated version of that number ).

MRS BPO LLC failed, within five days after their initial communication with me, to send me a written notice containing a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ( emphasis added ). MRS BPO LLCs letter states they must stop collection on any amount you dispute until we send you information that shows you owe the debt. There is no information about obtaining verification and providing me a copy of that verification. 

I sent a debt validation letter to MRS BPO LLC on XX/XX/year>. MRS BPO LLC signed for this letter on XX/XX/year>. MRS BPO LLC failed to respond to my debt validation letter. This includes providing a copy of the verification of the debt, and the name and address of the original creditor. MRS BPO LLC seems to have now involved another debt collection agency, months later ( on or about XX/XX/year> ), rather than comply with the law. 

MRS BPO LLC added fees ( {$27.00} ) in addition to the alleged debt. MRS BPO LLC is attempting to collect additional monies without any evidence of express authorization by the agreement creating the alleged debt. In failing to respond to my debt validation letter, MRS BPO LLC failed to provide any legal standing as to the reason MRS bolstered the total amount of the alleged debt.

MRS BPO LLC continued to contact me via text message on XX/XX/year>, even after they received my letter on XX/XX/year> stating not to contact me by text message. 

In summary, MRS BPO LLC is using unfair means to attempt to collect an alleged debt. MRS BPO LLC failed to respond to my debt validation request. MRS BPO LLC has potentially negatively impacted my credit rating without due process. MRS BPO LLC has involved another company to harass me about an alleged debt. MRS BPO LLC is attempting to circumvent their legal obligations. 

Rather,
Product: Debt collection

A debt collector office filed a case in the court of XXXX claiming {$54000.00} on services never used by me or my company. 

Attoerney office : BANK OF AMERICA N A Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Email sent to the attorney : XXXX XXXX XXXX XXXX ( 1 hour ago ) to XXXX XXXX  letter sent to attorney : I saw this lawsuit by you and I'm not sure if you're a fraud or not. 
I have nothing to do with this claim and my company is a real estate and not a merchandise/retail. 

https : XXXX ** My company is not a dba XXXX  only XXXX XXXX, If you're not a fraud I'm willing to talk to you to save your efforts and my efforts. 
If you don't believe this and are planning to proceed I will hire a lawyer locally ( someone I've been working with for several years ), keep in mind we will sue you for all the damages you are causing me by filing a lawsuit before checking the full details. 

There are 2 options, 1. You're a fraud.

2. Whoever used my company name was a fraud.
Product: Checking or savings account

On Saturday XX/XX/XXXX at XXXX. I filed two dispute with Chime bank. Dispute # XXXX for {$2500.00} and Dispute # XXXX for {$2500.00}. 

These disputes were filed due to services not received and incorrect billing due to a merchant error. 

I provided several information to Chime to prove that I contacted the merchant several times and they would refused to correct any error made on their part. 

Chime bank has communicated with me within the last week and has made several errors in the investigation process. 
These errors include : -Listing the incorrect dispute amounts -Stating to me that my money would be refunded to me on dates before the investigation was started -Not providing any information to determine how they made their decision. 

Today, XX/XX/XXXX, I received an email stating that no error has occured and that the claim was closed. The email also had incorrection information, for example, the amount disputed was incorrect. 

According to XXXX and XXXX XXXX, Chime is FDIC insured. 

I will be contacting my lawyer today and starting the arbitration process with Chime as soon as possible, as this investigation was not done correct and Chime customer service has made multiple errors in communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXXXXXX XXXX  Companies - Finance XX/XX/XXXX XXXX XXXX Credit Bureau XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Bank - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00}
Product: Prepaid card

On XX/XX/XXXX XXXX night at XXXX and XXXX I went to the XXXX on XXXX to use the Mac machine I went to withdrawal XXXX from my account the Mac machine got to when it started counting the money but the door of the Mac machine never opens up it started acting like it was counting the money again and again the door never opens up instead a receipt comes out stating incomplete transaction. I went to the other machine and this time a receipt comes out stating to contact my financial institutions so I called them to let them know that the Mac machine took my money and that the door of the machine never open they stated that or their end that it showed that the Mac machine gave me my money and that they could n't credit my money back and that I had to send them the receipts. So I sent them my receipts and drivers license and they stated that I had to fill out a dispute form. I filled that out and contact them to see if they received it they stated that they had then they proceeded to tell me that they was n't going to contact XXXX that 's where the Mac machine comes from until XX/XX/XXXX then after contacting them then they were n't going to contact me until XX/XX/XXXX. But instead they contact me XX/XX/XXXX @ XXXX stating that they was n't going to credit my money back into my account and that if I wanted a copy of the form that they sent to XXXX bank that I could n't get it until 5 business days.