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

In accordance with The Fair Credit Reporting Act XXXX  ( XXXX ) ( XXXX XXXX XXXX  XXXX  ) 15 U.S.C. 1681 section 602a State I have the right to privacy.

15 U.S.C. section 602a it also States a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I previously disputed several accounts with TransUnion, and they were successfully removed as shown in the attached investigation results letter. These accounts, which include XXXX XXXX XXXX XXXX XXXX, and others, are fraudulent and were opened without my authorization. I am a victim of identity theft and have provided the FTC Identity Theft Report and supporting documents to confirm my claim. However, these accounts have reappeared on my credit report, causing a significant drop in my credit score. This is unacceptable, as the evidence clearly proves these accounts are not mine. I request immediate and permanent removal of these accounts from my credit file to prevent further harm to my creditworthiness.
Product: Credit reporting or other personal consumer reports

Subject : HARD INQUIRY RECEIVED FROM XXXX XXXX XXXX  ON MY CREDIT REPORT ENCLOSED To, CITIBANK NA., BEST B Dear Sir/Madam, I am writing to address a recent inquiry made on my credit bureau report XXXX XXXX, which appears to be related to CITIBANK NA., BEST B. Upon reviewing my credit report, I discovered a hard inquiry that I did not authorize or initiate. This inquiry is associated with my personal name, and I wish to clarify that I did not apply for any loans or credit with CITIBANK NA., BEST B.

As such, I kindly request clarification regarding the reason why this inquiry was pulled on my credit report. I believe there may have been a misunderstanding or error, as I have not engaged in any financial transactions with CITIBANK NA., BEST B.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : TRUIST Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX XXXX XXXX contacted my place of employment to collect a debt.
Product: Mortgage

In XXXX my husband was laid off after 33 years. in order to collect a pension he was precluded from getting a job per the company 's contract.I paid a lawyer for a loan mod because my income alone would not cover our mtg. We were given a mod.by the servicer XXXX The modification payment was more than {$3000.00} that was XXXX. I was doing fine with my self employment business and paying our mtg. up until XXXX. I fell behind on the mtg. because I lost my business due to the crisis. The landlord filed a judgement for failure to pay rent for my defunct business. during my modification XXXX had bought the servicing rights. XXXX, the mortgagor at the time agreed to allow us to sale our family home in writing. XXXX decided not to work with us any longer because there was a XXXX and an IRS lien on the property in which was being worked out but they would n't wait. XXXX XXXX XXXX filed a NOD. We hired an attorney to help with this NOD and the attorney advised us to file a bankruptcy. The attorney that helped us was a scam he took {$400000.00} from us and he ended up loosing his license and no longer can practice law thus putting us in jeopardy. while all this was going on the servicing rights were sold to Rushmore. Rushmore has given us written approval to sell the property our bankruptcy is now discharged, However, today XXXX XXXX XXXX My agent received an email saying the have decided to foreclose. According to SB XXXX no bank that took TARP money can duel track.Rushmore 's email to my agents states that they are going to start the foreclosure process while we are in an approved short sale. Rushmore has changed the amount they want 2 times in 4 mo. The buyer has agreed to pay what they want and instead of giving us a 30 day approval based on the new purchase price, which is a change of circumstance, they gave an 11 day approval. We are almost ready to close but because we asked for a normal approval for 30 days based on Rushmore changing the purchase price they refused to give us XXXX. we are currently approved by Rushmore until the XXXX of XXXX XXXX, however, XXXX of the liens still need to be cleared. We are asking you to step in and stop the duel tracking from Rushmore and allow us a normal 30 days to close. Rushmore has been given a conditional approval by the buyer 's lender which proves the buyer is approved to purchase. with the price increase Rushmore has imposed, the buyer must be given ample time to get the new approval from their lender. we need ample time to get that. 5 days should be enough time. The hud is attached that shows the XXXX purchase price. Rushmore increased the price so much in that they forced out the relocation money they were to pay the sellers from the TARP money they have received. They 're crooks. 

Please help us
Product: Credit reporting or other personal consumer reports

My identity is stolen and someone somewhere is using it to apply for XXXX, American express and XXXX XXXXXXXX credit card as me. It seems they have collected a loan from XXXX and trying to create bank accounts using my information. I have received alert from experian of hard credit inquiries which is affecting my credit score badly. Please I need help. Thank you.
Product: Checking or savings account

I opened Santander Simply Right Checking account # XXXX on XX/XX/XXXX. <P/>There was a promotional offer for a {$150.00} bonus for making a {$500.00} direct deposit within 90 days and keeping the account open for 90 days. I met those terms. <P/>I was denied the bonus in a letter from Santander on XX/XX/XXXX, citing that I had closed a previous account on XX/XX/XXXX, and that the terms of the offer said I was not eligible because I was " an account owner within the last 12 months of the new account opening. '' That is not what the offer terms were, however. They stated : " Offer is not available to current or former Santander customers who opened a Santander checking account between XX/XX/XXXX - XX/XX/XXXX. '' I did not open an account in that time period. <P/>I expressed this to Santander customer service in secure messages and via phone to no avail, and spoke with the Corporate Compliant Manger over the phone a few weeks ago and did n't hear back. They say that the offer was not eligible to anyone who had an account within the past year of opening a new one, but the actual offer terms clearly and plainly say only those who " opened '' one in that time period were ineligible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : 06 XXXX  ) XXXX ... CONSUMER ADJUSTMENT CO ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Checking or savings account

On XX/XX/2023, at approximately XXXX XXXX. I went to the Bank of America ATM machine located at XXXX XXXX and XXXX. I requested for {$800.00}. To be dispensed from my checking account. You could hear the machine counting up the money and ready to dispense. About what seemed like XXXX - XXXX XXXX, the machine malfunctioned and a display screen came up saying that your request could not be completed and the money would be credited back to your account immediately. Now here we are on XX/XX/XXXX many phone calls later to the bank and still waiting for the funds to be credited back to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I INCLUDED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND MY SOCIAL SECURITY CARD TO THIS COMPLAINT. 
THE FOLLOWING ACCOUNTS ARE FRAUDULENT XXXX XXXX # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT  XXXX XXXX XXXX XXXX  ACCT # XXXX PLEASE SEE ATTACH ALL NECESSARY DOCUMENTATIONS.
Product: Debt collection

I submitted a complaint on XXXX/XXXX/15 about transworld systems reporting a erroneous collection account on my credit. Per federal and state laws the burden falls on the debt collection agency to validate the debt and if they can not then the account must be removed. Based on the response from transworld systems they are unable to very that I owe a debt and requires more information. I have already supplied name, address, date of birth, and social when filling out the complaint as well as list the masked account number that was visible on my report. How can this be proper reporting when they basically wrote back saying they do n't know who I am. See previous complaint below. 

XXXX/XXXX/15 Transworld systems Inc. Is reporting on my XXXX credit report and I have no knowledge of this item. I never received the notice of the right to dispute from. the company and this item needs to be removed from my XXXX credit report immediately. This same company was duplicating reporting XXXX accounts. XXXX account was removed yet this debt was never validated and I did n't receive proper notices.
Product: Mortgage

PHH reported on my credit that I accepted a XXXX plan. I did not sign it. Never accepted it. My account is current. I want them to remove from my credit that Im in XXXX please
Product: Credit card

I have contacted Ally several times regarding late fees and the new ruling that they should not charge more than {$8.00}, but they are stating that Ally is unaware of this new law. As a result, they did nothing to my late fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is currently reporting negatively on my account. This was a grant from a school that I attended XXXX. I paid the debt in full and it is still illegally being reported.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding an inaccurate bankruptcy entry on my credit bureau report. Despite never having filed for bankruptcy, this entry is negatively impacting my creditworthiness and financial opportunities. 


Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND ( DUE TO COVID XXXX ) TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2021 60 DAY DEMAND XX/XX/2021
Product: Mortgage

On the first few days of XXXX I decided to transfer my mortgage to Sun Trust Banking, and I started the procedure. I was advised that one,  XXXX XXXX XXXX, would be handling the new account for me. I made it clear that I would require that I maintain my own escrow, in the past I have met with many problems concerning the escrow. I was assured that I would continue to handle my own escrow. XXXX XXXX went on a XXXX vacation and told no one about what had transpired between him and I. I was told that XXXX XXXX would be handling the mortgage transfer, I was called by XXXX XXXX XXXX, XXXX XXXX XXXX, and none of the above people knew what XXXX XXXX was doing or had done!!! I got a call from XXXX XXXX {? } telling me that he would take over the account, I ca n't get a hold of him either. I spoke to a XXXX XXXX XXXX, he told me that he would handle the account and get to the bottom of this problem. I was promised that I would be able to handle my own escrow account, as I have in the past and I am at present. Now I am told that I may not be able to handle my own escrow, by law. I have had this problem of the escrow being handled terribly. I have had a total of six people trying to get this handled and so far, nothing. I am hoping XXXX XXXX XXXX can handle the problem and I turning to you to further expedite the process.
Product: Debt collection

Approx XX/XX/24 I got a call about a debt against me from an urgent care visit. They asked me for my credit card information over the phone, and I said I was uncomfortable with that and requested a website portal to pay the debt. Looking into the legitimacy of the website I found multiple complaints about it being a scam company. I looked into the visit I had with the urgent care and the urgent care company said they had voided the payment because I did not leave with any diagnosis. Because of this I did not pay the debt company. They have repeatedly called me, daily, harassing me. I have not been answering and they never leave a message.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has used improper use of my report as well as inaccurate information : 15 U.S. Code 1681i Treatment of inaccurate or unverifiable information : If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

15 U.S. Code 1681b - Permissible purposes of consumer reports : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681- Congressional findings and statement of purpose : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Payday loan, title loan, personal loan, or advance loan

According to FCRA Section 605B it is illegal to report anything on my credit report without my permission. Please remove this negative item. It was obtained without my consent. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not really assured that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX XXXX are reporting incorrect information on PREFERRED LEASE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I received a message via XXXX from a friend/comadre asking me to borrow money for an emergency and that she would pay me back later. She is a very trustworthy friend and we always communicate through this medium and that is why I did not hesitate to send her money through XXXX, I thought it was her and half an hour later I realized that it was not her that someone had hacked her account and they were asking for money on his behalf. 
My Chase bank detected that it was fraud and put this amount of {$500.00} dollars on review and they told me in customer service that I had to call the fraud department of Chase bank to authorize this amount. 
I called Chase bank several times and they have their notes from my call where I clearly said that the transfer by XXXX was a fraud and that requested that they stop the transaction. 
In one of the calls, a customer service operator told me not to worry because the money had not left my account since I had not made the call to authorize the money, which is why Chase bank had it under review. 
I never called the fraud department to authorize the transaction that according to them needed to be done in order to ship through XXXX. 
And about 5 or 6 hours later Chase and XXXX send me a message saying that they had transferred the money to the person who was stealing from me. 
Right now I believe that my Chase bank and this XXXX company were complicit in this robbery because my Chase bank decided in a letter that it sent me that it was not going to do anything and that it closed my dispute request to return money to my account.. 
I think they didn't do any research because they had my account in her direct access and didn't cancel XXXX 's shipment. 
Because there is no way to cancel the shipping money, because they protect this company so much that it has defrauded and deceived millions of people. 
I make the call with the Chase bank and follow all their shipping cancellation steps and why because they decided to make this shipment to this person who was deceiving me by pretending to be someone else, that is, my friend/comadre. 
The next day tuesday XX/XX/XXXX. I make the reclamation and complaint about this case. 
I do not understand why XXXX did not make any request to this person who deceived me to return my money XXXX XXXX with phone number XXXX since XXXX has to know his information about him and his bank where it was sent the money. 
This situation make me really sick and nervous every day. 
Thank you and I hope that you can help me recover the money that was stolen from me. 
My name is : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Texas XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was contacted by XXXX XXXX XXXX about an outstanding bill in a letter dated XX/XX/2018 when the bill was paid on XX/XX/2018.
Product: Money transfer, virtual currency, or money service

I have {$2500.00} in my venmo account and it's frozen and they're trying to tell me that the account specialist are working on it but the only way to contact them is via email nobody ever answers something isn't right
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX  XXXX XXXX student checking account long time back and it is already closed in XX/XX/XXXX. I recently tried to open an online checking account and it is showing negative information about my previous XXXX  XXXX XXXX Checking Account which is wrong ( Please see the attachment. First of all it is showing that my Account was overdrawn on XX/XX/XXXX and pending closed on XX/XX/XXXX when both of these incidences never happened. My account was always current and never overdrawn, secondly my Account is not pending closed as I went to the branch to close it, so I have no idea why it is showing pending closed.
Product: Debt collection

I have had insurance since I was born. Ever since I moved to XXXX the hospitals seem to put negative marks on my credit to collect money that insurance has already paid I dispute the negative marks and they go away because it has already been paid by insurance. This seems like an insurance scam. On XX/XX/XXXX XXXX XXXX XXXX XXXX put a collection account on my credit for {$1000.00}. I have called the hospital each time and they say that I do not have a balance ever and that my bill has always been paid by insurance in full. I called XXXX XXXX XXXX XXXX billing department directly and they say the same thing that I do not have a balance and all bills were paid in full by insurance. How do I get them to remove negative marks they put there if they claim it is not them and block them from putting anything negative on mu credit in the future? This is not the only company that does this. XXXX XXXX XXXX XXXX XXXX does this as well. On XX/XX/XXXX they did the same thing and it still has not been removed. I have called and they say I have no balance and all bills have been paid by insurance in full. How do I get them to remove the negative mark and block them from future fraud that they keep doing to my credit?