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

As of XX/XX/XXXX, according to my my XXXX Bank. Credit report, I have dropped XXXX points. The data is supplied to XXXX XXXX site by XXXX. I contacted XXXX for a response, and was told that there system showed an XXXX max XXXX  score. The XXXX Bank is an almagamation of XXXX credit bureau, using a XXXX XXXX. The rating encompasses a larger number span, abet in my case my score should not have dropped to that extreme, moving me from an exceptional credit status to a good credit status. This has happened recently, with any rationale, only to have the points reinstated, to include extra points. I have made efforts to contact the customer service area, but get only automated prompts, that live customer service is unavailable. I feel, not only XXXX, but the credit reporting outlets have gliches in their systems.
Product: Debt collection

A debt collector company by the name of Kirschbaum and Phillips out of  XXXX, NY ( XXXX XXXX ), has sent over paperwork to XXXX XXXX Sheriff 's Department, trying to hard ball me for a debt from 14 years ago ( XXXX ). At the time, I was totally clueless that someone could dispute a debt, and I wound up paying somewhere around $ 14k, paying off one debt and started paying another before I found out that debts can be disputed. I never told the collector at any time that I wouldn't pay the debt, but I DID send them a letter via certified mail, asking them to send me validation of the debt pursuant to section 809 ( b ) of the FDCPA back in XXXX and they never did. I never contracted with this company for them to collect any funds from me, and all I asked for was a copy of the contract with the wet ink signature from both parties, that I gave them permission to collect these funds. The statute of limitations on a debt in XXXX is 6 years. So why are they giving this to XXXX XXXX Sheriff 's Department NOW, when all they had to do was present me with what I asked for a couple years prior? I will be attaching a copy of the letter that I presented them 2 years ago that wasn't followed up with any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, 15 U.S.C 1681 section 602 A. states I have the right to Privacy! 5 U.S.C1681 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 items 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: Checking or savings account

USAA Federal Savings Bank has abruptly closed my account without providing a clear reason or legal basis. Despite my numerous attempts to contact customer service and the security/fraud team, I have not been given a specific explanation as to why my funds are being held for up to 60 days after account closure. 

The representatives have repeatedly stated that the funds are being held according to policy and procedure, but no one can identify or cite the exact policy that justifies this prolonged hold. They also claimed that the specialized security team handling my case does not have an incoming number and that I must wait for a call back, which has not happened. 

This hold on my funds is causing significant financial hardship, and USAAs lack of communication and transparency has been extremely frustrating. I am requesting that the CFPB investigate this matter and assist in getting my funds released immediately.
Product: Checking or savings account

MY NAME IS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX I OPEN A CHECKING ACCOUNT WITH CITIZEN BANK THE BRANCH THAT I WENT TO IS XXXX XXXX XXXX XXXX XXXX NY XXXX. I JUST OPENED MY ACCOUNTS WITH CITIZEN BANK AND I MADE CHECK DEPOSITS THEY WAS FOR BIG AMOUNTS OF MONEY MY CHECKS CLEARED A CITIZEN BANK MANAGER HAS MY BANK ACCOUNT ON HOLD AND UP FOR REVIEW I NEED TO WITHDRAW MY FUNDS TO PAY MY RENT AND BILLS THIS BANK MANAGER AT THIS BANK HAD MY ACCOUNT ON HOLD FOR ONE WEEK I WAS ABLE TO WITHDRAW FUNDS LAST WEEK THEY PUT MY ACCOUNT ON A REVIEW FOR NO REASON THERE IS NOTHING FOR THEM TO REVIEW THEY NEED TO GIVE ME MY MONEY THAT I DEPOSIT THE CHECKS WAS ALREADY VEREIFED AND THERE IS NO FRAUD THE CHECKS WAS LEGIT THAT I DEPOSIT IN MY BANK ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent credit line opened on XXXX, 2020 balance : XXXX $ terms : revolving payment status : charge-off account type : credit card account status : closed
Product: Credit reporting, credit repair services, or other personal consumer reports

Canceled an account with XXXX XXXX XXXX and they reporting incorrectly that they still want money.
Product: Debt collection

On XX/XX/year>, I sent a letter to Experian Solutions at XXXX XXXX XXXX, XXXX XXXX. I paid {$27.00} for FedEx and would like to be reimbursed for this expense. Please contact me at ( XXXX ) XXXX.
Product: Checking or savings account

Starting from XX/XX/2022, transactions were made without my consent and authorization on my Bank of America checking account. These transactions occurred through XXXX, XXXX, and Bank Transfer. I filed a fraud claim to Bank of America on XX/XX/2022, once I was made aware of the transactions. The following will be a list of transactions made without my authorization as well as some deposits : - Date : XX/XX/2022, Withdrawal : {$120.00} Transaction Type : XXXX Transferred to : XXXX, XXXX. 
XXXX Transfer Confirmation Number : XXXX - Date : XX/XX/2022 Withdrawal : {$290.00} Transaction Type : XXXX Transferred to : XXXX XXXX Transfer Confirmation Number : XXXX Additional Information : Says " XXXX '', It should also be noted that I do not have an XXXX account - Date : XX/XX/2022 Deposit : {$990.00} Transaction Type : Online Banking Transfer Confirmation Number : XXXX - Date : XX/XX/2022 Withdrawal : {$990.00} Transaction Type : XXXX XXXX XXXX Transferred to : Unknown Confirmation number : includes the numbers XXXX and ends in XXXX - Date : XX/XX/2022 Deposit : {$650.00} Transaction Type : Online Banking Transaction Confirmation Number : XXXX - Date : XX/XX/2022 Amount Taken : {$600.00} Transaction Type : XXXX XXXXXXXX XXXX  Transferred to : Unknown Confirmation number : includes the numbers XXXX and end in XXXX - Date : XX/XX/2022 Deposit : {$1500.00} Transaction Type : Online Banking Transfer Confirmation Number : XXXX - Date : XX/XX/2022 Withdrawal : {$800.00} Transaction Type : XXXX Transferred XXXX : XXXX XXXX Confirmation Number : XXXX - Date : XX/XX/2022 Withdrawal : {$690.00} Transaction Type : XXXX Transferred XXXX : XXXX XXXX Confirmation Number : XXXX I called the Bank of America Fraud department and filed a claim. The claim number is XXXX. The fraud department claimed they would take up to 10 days or more to decide the status of the claim. Unfortunately, they denied my fraud claim. They have not provided me with documentation as to why they denied my claim. I will be filing a police report against the fraud in the next coming days and will attempt to appeal through the bank as well. 

A second claim was put in to address unauthorized transactions done on XXXX, I was given a claim number ( XXXX XXXX ) but am not able to access any record on the banking website nor have received any communication about the claim since it was made ( On XX/XX/XXXX ).
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX  XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1200.00XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$2000.00} 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

CITIBANK HAS NOT PROVIDED PROOF OF ME CONSENTING TO BE AN AUTHORIZED USER ON ACCOUNT XXXX Citibank XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/2024 Dear Citibank, I am writing to formally request that you cease and desist from reporting me as an authorized user on the credit card account [ XXXX ]. Despite numerous requests, you have failed to provide any proof of my consent to be added as an authorized user on this account. 

As a consumer, I have the right to verify and confirm any information that is being reported on my credit report. It is essential that you comply with this request and provide documentation demonstrating that I have indeed given my consent to be added as an authorized user on this account. 

Until such proof is provided, I insist that you immediately remove me as an authorized user from the account and cease any further reporting of this information to the credit bureaus. Failure to comply with this request may result in legal action being taken against your company. 

I trust that you will take this matter seriously and act promptly to rectify this situation. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new vehicle in XX/XX/XXXX. I had an existing loan of 4 years with Ally on a vehicle I traded in and paid off and opened a new loan. Ally sent ZERO information upon account opening. I contacted them to make the first payment and set up auto-pay and did so. The initial payment was taken for XX/XX/XXXX. On XX/XX/XXXX I got a call saying the XXXX payment was never made. I told them I set up auto pay and they admitted that a bunch of auto payments had accidentally been canceled. I made the XXXX and XXXX payments immediately and spoke to someone about the error. They assured me the payment would not be reported late. For the next 6 months, Ally did not report to the credit bureaus at all! Then in XX/XX/XXXX, they updated the payment history showing the XX/XX/XXXX payment was made 30 days late despite having clear evidence the XXXX payment was made on time. This was disputed with the credit bureaus. Ally then confirmed the XX/XX/XXXX payment was made late and my dispute was denied despite their system clearly showing it was not made late at all. This is a clear violation of FCRA and Ally should be held accountable. As stated by them there were many consumers effected by this and clearly Ally is refusing to do right by them and has instead opted to attack consumer 's credit profiles due to their incompetence.
Product: Mortgage

XXXX XXXX XX/XX/XXXX To Whom It May Concern : RE : Please help to stop Foreclosure and Reinstatement the second Mortgage ( HELOC ). ( Predatory Lending Practices ) - PLEASE Grant a trial modification for THIS 7-YEAR plus LENGTH of the HELOC. 

I have been purchased and stayed in this property, located XXXX XXXX XXXX XXXX XXXX, CA XXXX since XXXX. During XXXX, I have modified the first loan for this property. The first mortgages of the modification have been successful while the HELOC has been denied and the debt of {$110000.00} has put on an invalided situation by Loan Services. SLS ( Specialized Loan Services ) has played a " buy-time '' strategy to delayed and ignore to coordinate and have sincerely helped me to get throughout the HELOC modification. Their strategy to wait for the market turnaround and forces me to foreclosure. 
In many past years, I have to keep submitting many application packages and never receive any response. I do not they pretend to set up a wrong my mailing contact address during years and they sent to wrong address that I never receive any things until the representative accidentally disclose it to be the year of XXXX ( Mr. XXXX ) Beginning of XXXX month XXXX, I have received a notice of Office the District Attorney of XXXX XXXX County : " A notice of Default ''. was recorded against the property and it is now in foreclosure. I also received a few mails from SLS, LLC and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX. 
disclosed that the on-going modified debt ( HELOC ) is now valid. They have the right to open this case now and process to foreclosure my primary home. I was extremely confused and frustrated very much BUT I must fight to keep it and willing to cooperate with the Services, or Investor and agencies to come up with the solution. 
I did send email, mail, fax to ask the SLS and Investor to maximize lower the rate to 2 % and 40-year-term or to forbear the plan of HELOC. I also contacted a few lenders who willing to lend me an original amount of HELOC debt to pay off, if Specialized Loan Services or/and Investor willing to help me in forgives of past dues or/and fees. Until now I have not received any replies from Specialized Loan Services. I called the Representative is not available, and the Operators told me their policy does not allow them to text or email. I must be waiting their phone call or I must call back. 
Email is a very potential key for quick responses BUT crucial pieces of evidence in writing. 
In advance, Thank you for the consideration, valuable time, and sincerely helps. I look forward to hearing from your office. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Mr. XXXX XXXX CEO Loan : XXXX
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 violates 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: Debt collection

XX/XX/2019 XXXX IC systems totaling {$350.00} I asked they send it back to XXXX . So I can make the payment to them. I never received a bill from them. I asked they mail me a copy over email.
Product: Checking or savings account

On XX/XX/XXXX I cashed a state check in Chase Bank and they told me that the check was fake so I went in showed them the check was valid with my With the paperwork that came with it and my state refund it's refund now they told me that they were gon na close my account that the check never cleared the check cleared 8 days they had it cleared in my account and they still closed it the check never bounced I called XXXX XXXX told them to give me my money they have no explanation of why they kept my money and they're not sending my money or why they closed my account They close my account XX/XX/2021 the state confirmed the check cleared into my account this has messed up my credit and stopped all my direct deposits and causing my kids and I alot of burdens the check amount was {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the attached documents to assist in blocking of the erroneous information which is being posted to my report. Here is the account which does not belong to me or was opened without my permission. 
XXXX XXXX XXXX. According to FCRA section 605B ( a ) Credit Reporting Agencies shall block 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 card

I have received a notice from collection agency ( Bounce AI , Inc ) that I owe money for purchases done in XXXX and XXXX. Original creditor was XXXX XXXX. I have never made any purchases with installment agreement for any purchases for XXXX. I never opened any debit cards under my name. I have never received prior correspondence with regards to outstanding balance. 
I strongly fill that my personal information was compromised, I have contact Police Department and made report. I strongly fill that I am not responsible for any outstanding balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute Department Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Dispute of Unauthorized Inquiry on My Credit Report Dear Experian Dispute Department : I am writing to dispute an unauthorized inquiry that appears on my credit report. According to 15 U.S.C. 1681b, credit reporting agencies are only allowed to provide consumer reports for specific and permissible purposes. This law protects consumers from unauthorized inquiries that may negatively impact their credit scores.

I have identified an inquiry on my credit report that I do not recognize or authorize. This inquiry does not meet the permissible purposes outlined in the aforementioned law and must therefore be removed from my credit report. This unauthorized inquiry could be unjustly damaging my credit history.

I request that you investigate this unauthorized inquiry and remove it from my credit report. I have attached a copy of my credit report with the disputed inquiry highlighted for your reference.

According to 15 U.S.C. 1681b, a credit reporting agency may only share my report under the following permitted circumstances : In response to a court order. 

With my prior written consent. 

In connection with the extension of credit, employment, or insurance, provided that I initiated the transaction. 

If the disputed inquiry was not conducted under any of these conditions, it must be removed immediately. I request a written response confirming the removal of the unauthorized inquiry. 

I look forward to your prompt attention to this matter. Please do not hesitate to contact me if you need any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681b Permissible Purposes of Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines the circumstances under which a credit reporting agency may provide a consumer report. The permissible purposes include : In response to a court order. 

With the consumer 's written consent. 

In connection with the extension of credit, employment, or insurance, provided that the consumer initiated the transaction.