23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I used the pre-approval code to apply for a {$4000.00} loan through Personify Financial. I got to the point of verifying my banking information. I entered my routing number and account number, and agreed to let their third party access my account. I got the notification from my bank that my account had been accessed by them for the income verification process. I then was notified that there was a new hard inquiry on my credit report. All acceptable as it is part of the loan process. I then was waiting on the website to take me to the next step of the loan process, but instead the website kicked me back to the very start of the application process. 

I spoke to XXXX different people, XXXX in a chat log, and XXXX over the phone. They have all told me I can not get access to any information for at least XXXX  days because of a technical problem with their website and that there is nothing they can do. So now they have access to both my bank information and my credit report, they have marked my credit report, but they are refusing to give me any information about the loan or any verification confirmation. They are saying they still have not verified my bank information, despite my bank telling me that the company has already accessed my bank account. 

They offered to cancel the loan application, but that would be irrelevant because they have already marked my credit report and accessed my banking information.
Product: Debt collection

The phone call and letters from Portfolio recovery debt collectors are for a credit card or cards totaling Approximately {$6500.00} dollars, this was my now deceased Mothers card called XXXX XXXX, which she allowed us to use, there may be another account also, but the statute of limitations expired over 8 yrs back, there was the same account listed on my credit report, I disputed ownership and the time limits, it was removed but may have remained on XXXX XXXX XXXX 's credit, but she is now deceased since XX/XX/2021, the call today was from XXXX, they did say we can not nor my Mother ( Deceased ) be sued, but anything we say can be used against us, I also receive letters from them, one last week, saying the statute of limitations expired but we still owe the debt. 
These cards or cards are from XXXXXXXX XXXX  this is abusive harassment.
Product: Credit reporting

XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX, SC XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX & XXXX CRED XXXX XXXX XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XXXX ADDRESS XXXX, XXXX, SC XXXX
Product: Credit card or prepaid card

I was sent an unsolicited credit card that I received in the mail on XX/XX/2021. I never applied for it nor have I ever heard of the bank " MoneyLion ''. It says that my account is set up, has an account and routing number, and is asking for personal information as well as signing and returning the form and activating the new credit card. 

I tried to contact customer support but they are not available over the weekend and I will not wait another minute before filing this complaint to hear their side of the story. I searched the internet and found others with the exact same story as mine and they had to file CFPB complaints and police reports in order for this fraudulent bank to close the account.
Product: Money transfer, virtual currency, or money service

I was Messaged that my suncoast account was locked and that I should log in. Picture attached.
Product: Credit reporting

Dear Experian, Re : XXXX Account XXXX I am contacting you because I have found some information that is inaccurate on my credit report. 

1. This is a secured account. On XXXX, I contacted XXXX and told them that I wished to get records on the account. 
2. They did not respond. When I ran my credit later I saw that they were reporting me as late. That made no sense. 
3. I contacted them and after a while they did n't respond. 
4. After begging them, there was no resolution. 
5. I sent them a demand directly. 
6. They did n't reply and are reporting incorrect on your bureau. 
7. That is impossible. The other XXXX bureaus show as never late, and your bureau shows as late. 

The account was never paid late as it is reported. I request that you remove any inaccurate information from my credit report as quickly as possible. 


This is really causing me a lot of XXXX trying to fix this companies mistakes is taking countless hours. Further more I am a XXXX citizen. 

I do n't know why I must spend so many hours trying to fix the late payment that VCB as reported on my Credit Report. 

I 'm requesting that you remove the items from my Credit Report. 

After doing so please provide me with an updated credit report reflecting the changes. 


SEE ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously filed a CFPB regarding XXXX XXXX and it was resolved to my satisfaction. However, XXXX  ; Experian and XXXX are not removing this negative item and it is harming my credit score. ( Please see pages 17 and 18 of the attached credit report. ) Therefore, I am filing a new complaint against XXXX ; Experian and XXXX because I have tried to fix this issue with them, but they are still reporting the late payments.
Product: Checking or savings account

I am a XXXXXXXX XXXX XXXX  where I employ a lot of single parents. We take care of people with multiple XXXX. Our main diagnoses are XXXX or XXXX XXXX XXXX. Long story short. I had a person call me to be a Chase Fraud prevention associate. This was so surreal. They actually called me from Chase fraud prevention phone number. I actually called Chase 's customer service number at XXXX, they verified this was Chase Fraud Protection. Therefore, I followed their instructions to " CANCEL OUT '' the fraud. These guys were able to send me a text message on Chase.com for me to verify who I was. They were able to tell me what I had in my account and my last XXXX digits of my account number. The next day when my business account was wiped out. I called the Chase fraud department on the same number I spoke to the night before. Their questioning was identical to the day prior. I even told them the questions were just like yesterday. They asked the same exact questions the guys did the day before. I even asked fraud prevention if this was real. We filed claims, however I never heard back from Chase. I kept checking my account information hoping to see a credit. I never did. Chase stated this has been going on since XXXX of XXXX. They stated these crooks have software they download in order to show a specific number even though they are calling from another number. I asked them how regular people are supposed to know this? They stated they have a fraud prevention website. I researched this website and nothing like this is in there. I checked fraud prevention pamphlets in Chase bank, nothing like this is posted. Fraud prevention stated they would never call anyone. I told this was not true. I have been with Chase for over XXXX  years, and I have phone calls from Chase fraud prevention. I also asked them to explain how I got the text message. The branch manager stated someone just pretends to be you and they have them on another line. However, Chase never sent me any documentation of closing my claim. however, when I called fraud protection, they said your claim is close to bad you just got scammed? We don't protect you from scams. I told them I did not fall for a friend or get rich quickly. However, I have been with you guys for over 20 years, and I trusted you. I told them you failed me and the people I serve in my business. I honestly thought it was you. Why aren't you protecting people like me? You could inform us It is XXXX this has been going on since XXXX? I take care of people. Not money? I don't fraud people therefore I do not know if my bank is not informing me of what's going on. Regular business owners need to know this. I contacted the FDIC they said they referred this report to CFPB. They stated that Chase has insurance on this money and I should have been reimbursed. please help me. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX XXXX MIDLAND CREDIT MANAGEMEN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Account number ( XXXX ) Debt {$590.00} Dear Sir/Madam, I am writing to dispute the presence of charge offs on my credit report as reported by your agency. According to the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report is accurate, verifiable, and timely. Upon reviewing my credit report, I have identified inaccuracies in the reporting of the charge offs, which I demand to be rectified immediately. 

The FCRA, under 611 ( a ) ( 1 ), mandates that credit reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is evident that the reported charge offs do not meet this standard of accuracy, as they are either erroneous or inadequately substantiated. 

Furthermore, 623 ( a ) ( 2 ) of the FCRA stipulates that credit reporting agencies must conduct a reasonable reinvestigation of disputed items, free of charge, and must promptly delete inaccurate or unverifiable information. Therefore, I request that you conduct a thorough investigation into the validity of these charge offs and provide evidence supporting their accuracy. 

Moreover, as per 623 ( a ) ( 5 ) of the FCRA, I am entitled to receive a written explanation of the results of the investigation within 30 days of receipt of my dispute. Additionally, if the investigation results in the modification or removal of the disputed information, I request that you provide an updated copy of my credit report reflecting these changes.

Failure to comply with the FCRA 's provisions may result in legal action against your agency for non-compliance. Pursuant to 616 of the FCRA, individuals are entitled to seek damages for willful non-compliance, including actual damages, statutory damages, and attorney 's fees. 

In light of the foregoing, I urge you to take immediate action to rectify the inaccuracies in my credit report by removing the disputed charge offs. Please provide written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 16681.

Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have right to privacy and I did not give Experian written permission to furnish these accounts. 

Accounts Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account XXXX : XXXX Account name : XXXXXXXX XXXX XXXX 

Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Debt collection

This debt belongs to my daughter and she lives in Florida. I have told these people numerous times that she does n't live here and has n't for almost 9 years!
Product: Credit card or prepaid card

The events of the night of XX/XX/XXXX and morning of XX/XX/XXXX in XXXX XXXX, XXXX. 

At the establishment called XXXX XXXX, we entered and ordered three beers ( one for each of us ). After approximately 10 minutes, we decided to leave and I asked for the bill. After a profound delay to receive the bill, I was afraid of what was happening behind the scenes. Presented with a receipt that was not accurate, I argued with the merchant to provide a correct receipt. The merchant quoted over XXXX XXXX pesos for three drinks. They took my Citibank card once again to force me to sign, taking my ID and making a photocopy, and stealing the receipt so that I could not take it with me as proof. My friends and I had no recourse with multiple bouncers aggressively standing over us, but to sign the bill. I still refused and drew a simple line to show that this was an inaccurate receipt. They grabbed my hand and forced me to sign multiple times. Afraid for our safety, we left the establishment as quickly as possible. I did absolutely everything in my power without being beaten up in a foreign country to stop this transaction from going through. 

Upon returning to the U.S., I filed a fraud claim and multiple dispute claims. Citibank has provided no assistance as I was under duress. I have never initiated a transaction of this size in the history of being a customer of Citibank, especially while abroad. Citibank was asleep at the wheel in monitoring fraud.
Product: Payday loan, title loan, or personal loan

For awhile now I have been borrowing from a company called XXXX XXXX XXXX in XXXX XXXX, Texas. I was recently looking over the detailed payment statement and noticed an extremely high charge for this loan. It is described as a " CSO fee ''. This fee is higher than the interest charged which, as you know, is significant. 

I called the local office and asked them what Is the CSO fee? They did not know so I asked for the supervisor. After speaking with several people in the company no one seemed to know what the CSO meant. This strikes me as being very odd so I decided to try to find someone in a regulatory department that might be able to help me. 

This is the reason for my letter to you. What is a CSO fee and why is it so high? I am hoping that you can give me some insight on this. 

Thanking you in advance for any assistance you can give me. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. 2023 I contacted the credit bureaus Experian, XXXX, and XXXX, I, disputed several inaccurate accounts, It has been over 30 days and I have received no response to my disputes.
Product: Credit reporting

XXXX XXXX This account in inaccurate, and then incomplete. 
1. Has an Incorrect Pay Status, and should Paid/Closed XXXX Balance 2. XXXX says was opened XX/XX/XXXX, and Closed XX/XX/XXXX 3. HAS Balance History for the duration of the time the account had been CLOSED through XX/XX/XXXX 4. HAS Payment History for the duration of the time the account had been CLOSED through XX/XX/XXXX 5. Is incomplete and inaccurate
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX  XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$650.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was asked for varification which I never received. XX/XX/XXXX said it was verified with all the errors on report. XX/XX/XXXX saw dates were off balance study collecting interest. A collection shall not collect late fees once it hits credit report. XX/XX/XXXX mostly at fault due to not investigating correctly.
Product: Mortgage

Hello, About 1 week ago, I received a letter from Loan Dept. my acct # XXXX, stating that I am {$180.00} short in my escrow account, which is strange, since I have a balance of XXXX they would charge me XXXX dollars more a month for a year to make up the difference, I did the math, that comes out to {$380.00}, which is {$200.00} more than the original {$180.00}. Is this Loan Depot or XXXX XXXX? I am on a limited budget, my main source of income is XXXX, and can not afford any unnecessary increase
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , INC ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically, CashApp 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 Refund Transfer Act and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I paid off the debt in XX/XX/2023 and was told they mail a letter within 30 days. For some reason this was not done by them?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I recently contacted them to removal my hard inquires. They FAILED to provide proof these records are factual. I contacted each company they said that it was removed however the credit bureaus aren't removing them. I also have proof they requested it too be removed. I am a victim of fraud and I put a freeze on my account. Some of the inquires are wrong social security and some are over two years old. They don't want to help me because they PROFIT off bad credit and refuse to help me they keep sending me FACTUAL reports. For example XXXX pulled my credit four times and even XXXX said XXXX XXXX did not respond so it's not my account all credit inquires should of been removed. This was in XX/XX/XXXX they still haven't removed all of my hard inquires and I sent them all th information
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX  : Account number : XXXX, XXXX  : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX & XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account 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
Product: Debt collection

I have no contract with Alltran Financial, L.P. and they are engaged in contract fraud, mail fraud, copyright infringment and racketeering.
Product: Money transfer, virtual currency, or money service

Criminals hosted by Citibank stole my life savings but Citibank NA refuse to engage with me in any meaningful way, always batting it back to me telling me to use my own bank XXXX and my law enforcement to track down the criminals. 
My own police tell me they are too busy chasing criminals here without chasing them abroad and XXXX tell me they sent 9 recall notices but Citibank deny receiving any of these. 
Recalls via XXXX do not go astray. 
I have pointed out to Citibank that while we squabble over this, criminals are laughing their heads off. 
What message does it give to the criminals? 
That they can do this again and again ad infinitum and get away with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to follow up my previous caomplaint submit4ed on XX/XX/2022 regaring the removal of the Fraudulent information from my Credit report. I was frustarted to see that the Credit Bureaus have done nothing to helpe a consuemr in need! I am planning to pursue legal action against the Credit Bureaus if they decide so still not pay heed to my requests and continue reporting the diputed fraudulent items on my Credit File without proper verification. I have read enough to understand my rights which is clearly being violated by the Credit Bureaus. Let me remind the Credit Bureaus that they are obliged to comply with the FCRA section 605b if they can not prove that the items do belong to me by providing documents signed by me. I would greatly appreciate it if the Credit Bureaus can remove the following items at the earliest possible time : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Balance Owed : {$51.00} XXXX XXXX XXXX  XXXX Balance Owed : {$70.00} XXXX XXXX Balance Owed : {$170.00}