23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XX/XX/2023 there were XXXX unauthorized transactions withdrew from my account totaling {$680.00}. These transactions were completed at an ATM at XXXX XXXX which I have never been. I submitted the dispute to the bank which I was advise it will take up to 10 days to recover place the credit in my account. However today on that XXXX day I was notified verbally and by email that the dispute has been declined and I will not receive my funds back in my account. The transaction was made while I still had my card in my wallet which is very confusing. Upon speaking with the bank they advised me to withdraw the remaining funds in my account because they have to mail out a new card and I wouldnt have access to the remaining funds. Which I did. Which is shown that the atm I use is less than XXXX mile from my house in XXXX XXXX. I am stuck and needing help because this transaction was unauthorized. There are cameras to prove this was not my transaction on atms. Please help. I am having an eviction without having access to my funds. This is my blue bird American Express prepaid account
Product: Credit reporting or other personal consumer reports

In XXXX, I contacted XXXX to dispute fraudulent information on my consumer report related to accounts and inquiries from XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, and XXXX. These accounts were opened fraudulently using my Social Security number without my knowledge or consent. 

I am a victim of identity theft, as documented in an FTC Identity Theft Report and a police report ( XXXX Case # XXXX ). Despite providing detailed evidence and requesting the removal of fraudulent data, XXXX has failed to remove these items from my report. 

The fraudulent account with XXXX, for example, shows a balance of {$3600.00}, and was opened on XX/XX/XXXX at a car dealership without any verification of my identity. I have taken numerous actions, including disputing the accounts with XXXX, XXXX, and credit bureaus, and providing all requested documentation to prove the fraud. 

XXXX has violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and remove fraudulent information, as required under Sections 605B and 611. Their inaction continues to harm my credit and financial reputation.

Actions Taken : Submitted identity theft and police reports. 
Contacted XXXX in XXXX to request removal of fraudulent accounts. 
Disputed the fraudulent accounts with creditors and other credit bureaus. 
Resolution Requested : I request that XXXX immediately remove all fraudulent information from my consumer report and provide written confirmation of its removal.
Product: Checking or savings account

Hello I unfortunately had my house flooded From a broken pipe I ended up getting a check from the insurance company for repairs I took it into the branch XXXX XXXX XXXX Before depositing it to make sure whoever had to endorse it did. The banker looked at it and asked his manager and they said its good. As to which I told him to deposit it The following day I get a call from chase telling me my account is being closed & they are holding my money hostage for reason that makes zero cents whats so ever. If they didnt like the check they shouldve told me in the branch or atleast send the funds back to me or to the maker instead they are holding it back from me and I cant even finish my house. Please help me
Product: Credit reporting or other personal consumer reports

On all 3 major credit bureaus the original creditor sold the debt and is still reporting and the collection agency is also reporting the same account. A dispute was made to each of the credit reporting agencies and they only update the original creditors account to purchased by another lender. This is double jeopardy and affects my credit as if I have more negative accounts than I do. Here is the information from my reports on both of the reporting companies. 

EXETER FINANCE LLC ( XXXX ) XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX PURCHASED BY ANOTHER LENDER ; PAID IN FULL/WAS A CHARGE OFF XXXX XXXX XXXX ( XXXX ) XXXX Account XXXX XXXX XXXX XXXX XXXX, PA XXXX Original Creditor Exeter FINANCE LLC Completed investigation of FCRA dispute-consumer disagreed ; >PLACED FOR COLLECTION<
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681 i ( A ) - Procedure in case of disputed accuracy which states that you have a job to investigate accurately, you didn't comply with FCRA which is the law, this is the last alternative to before I sue you in federal court. Also please be advised I gave enough time I will not wait 30 days and will pursue legal action if not taken care off with in 10 days Only people that can verify a debt is neighbors or family so please tell me how 15 u.s. 1681 section 602 a right to privacy I am demanding that you remove the fallowing information of my report immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to SELECT PORTFOLIO SER for the account number XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEBT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
Product: Mortgage

This is my second consecutive complaint against Seterus Inc. 's refusal to correctly allocate special payments toward principal only. The by-now routine problem is this : In addition to paying our monthly mortgage ( principal and interest ) on time, we occasionally send checks with letters instructing Seterus to apply all of the enclosed check to principal only ( our instruction is always clear, emphasized, and repeated in our letter and on the check ) .They ALWAYS ( perhaps a dozen times ) misapply the check to both interest AND principal, resulting in about an hour on the phone trying to get them to correct the matter. Last time they refused, resulting in our first complaint to the CFPB. After that complaint Seterus immediately corrected the situation. ( Thank you, CFPB. ) But with our most recent check, Seterus has mis-allocated our payment again.
Product: Credit card

Wells FargoXXXX XXXX On XX/XX/XXXX, there were several fraudulent transactions on my card. I noticed it immediately and call XXXX. XXXX was canceled and I was told all charges that are marked fraudulent will be removed. XXXX weeks go by without any changes. I made couple more calls to address this issue and was told a mail confirmation will be sent. Few more days go by without any progress. I reached out to XXXX XXXXhrough email and customer support for response and was asked to call Wells Fargo. After speaking to Wells Fargo, I was told again a mail will be sent. I finally received a mail today stating all charges are valid. Charges remain posted. Wells Fargo acknowledged fraud and replaced card twice but has not removed the charges
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: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024 to Cease and Desist all forms of communication via phone, text, mail, email, voicemail, and all consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Equifax XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights 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 obtained an updated credit report and there's credit inquiries I do not recognize and did not authorize. I have contacted the credit bureau and I have received no help and a response that the information is true and accurate, I asked for proof I authorized the inquiries. The credit bureau will not provide me with this information and refuse to remove the unauthorized inquiries. 

XXXX - inquiry XXXX XXXX XXXX  XXXX- inquiry XXXX XXXX XXXX XXXX XXXX- inquiry XXXX
Product: Debt collection

Hello, On XXXX/XXXX/2015 I filed a complaint with " CSC '' through the CFPB portal ( # XXXX ) CSC stated they would continue to report account number XXXX and that I needed to contact the original creditor regarding this matter, I sent a letter to XXXX XXXX, XXXX XXXX XXXX. XXXX. on XXXX XXXX 2015 regarding this matter ( attached ) with no response. I want this account removed from my credit record as this original creditor can not /will not provide me with any validation/verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion as well as XXXX XXXX XXXX  stated this was a duplicate, its not. The fraudulent illegal activity is still there. They put it there. Illegal inquiry and information on reports!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a loan account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$21000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

i recieved email from the bureaus saying i'm helping 3rd party to send out my dispute please delete the following account and inquiries XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX {$0.00} XXXX XXXX Account Number : XXXX XX/XX/XXXX {$0.00} XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dear Sir/Madam, Re : Cease and Desist - Request for Immediate Removal from Credit Report I am writing to formally request that you cease and desist from including certain information on my credit report. Upon reviewing my credit report, I have identified [ insert specific issue here, e.g., inaccurate information, outdated entries, fraudulent accounts, etc. ], which I believe is in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The details of the dispute are as follows : Disputed Information : Ability recovery Service Account Number ( if applicable ) : XXXX Date ( s ) of Occurrence:8/07/24 Amount : {$1500.00} Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or unverifiable information, and it is your obligation to investigate and rectify any errors. I request that you immediately cease reporting the above-mentioned information to any credit reporting agencies, and I demand that you notify me in writing once this issue has been resolved. 
Please be aware that if you do not comply with this request or fail to investigate my claim properly, I will be forced to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any other relevant authorities. Additionally, I reserve the right to pursue legal action to protect my rights. 
Please send me written confirmation of your receipt of this letter and a description of any actions you will be taking. 
Thank you for your prompt attention to this matter. 

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

Equifax after a security breach sent me a letter indicating that several files I had uploaded to them which included my social security number and all personal info were in the hands of unknown sources. Since then Equifax refuses to update my file, they refuse to remove items I have disputed. They refuse to add correct accounts that I have now or communicate with XXXX for my information. I have been denied jobs and insurance and credit because they refuse to comply and accurately update my information. Also, so many inquiries are on my report that I did not authorize
Product: Credit card

On XX/XX/XXXX I made two purchases from XXXX XXXX XXXX XXXX. One for {$250.00} and one for {$44.00}. 
On XX/XX/XXXX I received an email from XXXXXXXX XXXX XXXX XXXX stating that event had been canceled. Event was to take place XX/XX/XXXX to XX/XX/XXXX. The email stated refunds would take 4-6 weeks to complete and up to 30 business days to reflect on my account.

I waited the duration and never received any refunds or correspondence from XXXXXXXX XXXX XXXX XXXX. 
On XX/XX/XXXX I contacted my credit card company to file dispute claims for these charges. 
On XX/XX/XXXX Credit card company put temporary credits on my account and sent me letters referencing the disputed claims. 
On XX/XX/XXXX I received a letter from credit card company that the {$250.00} had been resolved and indicates I had been credited this amount. As of today I have not seen it applied back to my account. It stated merchant credit was staying on the account and credit card company was removing the temporary credit. It states I would receive a purchase adjustment on my statement in the next 2 billing cycles or sooner. 
On XX/XX/XXXX Credit card company put the {$230.00} charge back onto my account but no refund from merchant. 
On XX/XX/XXXX Received an email from XXXX XXXX XXXX XXXXXXXX that amount had been fully refunded {$250.00} to my credit card. On XX/XX/XXXX Received an email from XXXX XXXX XXXX XXXXXXXXXXXX that amount had been fully refunded {$44.00} to my credit card. 

On XX/XX/XXXX I contacted credit card company again and they sent me a letter stating the dispute had been resolved with the XX/XX/XXXX letter attached. 

I have waited the 2 billing cycles and still have not seen the refunds applied to back to my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act the list of the following accounts are violating my federally protected rights to privacy and confidentiality. Also, the FCRA clearly states everything on my credit report must be 100 % accurate, after viewing my report these accounts also have multiple inaccuracies. 

1. ) XXXX  - ACCOUNT # XXXX, ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 2. ) XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 3. ) XXXX XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 4. ) XXXX XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 5. ) XXXX XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 6. ) XXXX XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 7. ) XXXX REV - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 8. ) UNKNOWN - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States my right to privacy 15 U.S.C 1681 SECTION 604 Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) : states a person shall not furnish any information relating to a consumer to any consumer reporting agency if that person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : TD Auto Fina XXXX I did not authorize this.
Product: Credit reporting or other personal consumer reports

XXXX is reporting wrong balance to my accounts that are paid off and reporting that I owe balances to creditors. I have a XXXX  credit card ending in XXXX that has been paid in full before they updated report, they post to my credit report. XXXX does not contact the creditor they use a data base that is wrong and 30 days behind
Product: Credit reporting or other personal consumer reports

My Social Security Number ( SSN ) was involved in a data breach that occurred on or before XXXX of XXXX, extending until XXXX. This breach affected individuals who underwent background checks and applied for jobs, leading to the appearance of numbers on my record. 
I did not provide consent for these accounts to be opened, and I lacked an understanding of credit and its mechanisms during that time. Consequently, I did not establish any credit relationships with the companies involved. I urgently request the removal of these erroneous entries from my credit report once and for all. 
The repercussions of these inaccuracies have been far-reaching and abnormal. Unfamiliar inquiries have appeared, accounts that I neither authorized nor opened have been added, and I've faced denials and disrespect due to these discrepancies. The errors in my credit report are extensive and profoundly incorrect. They encompass several aspects, including but not limited to : * Name Discrepancies : I want to clarify that my correct name is " XXXX XXXX XXXX XXXX '' I have never used nor consented to be referred to as " XXXXXXXX XXXX XXXX '' or any other variations. This is the only accurate name associated with me. 
* Address Accuracy : My precise address is " XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX. '' It must be consistently displayed as such, including the apartment number. I do not authorize any other variations of this address to be linked to me. 
* Invalid Addresses : The following addresses on my credit report are invalid and inaccurate, not associated with me : * " XXXX XXXXXXXX XXXX XXXX, NY XXXX '' * " XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX '' * " XXXX XXXX XXXX, XXXX XXXX, NY XXXX '' Moving forward, I wish to address specific discrepancies related to certain accounts : * * XXXX XXXX : Contact : ( XXXX ) XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ; Account # XXXX ; Opened : XX/XX/XXXX ; Owed : {$1400.00}. I did not provide consent or a written signature for this account, nor did I authorize its reporting. All these accounts were opened online. 
* XXXXXXXX XXXX  : Contact : XXXX XXXX XXXX, XXXX, DE XXXX ; Account # XXXX ; Opened : XX/XX/XXXX ; Owed : {$4700.00}. Similar to the previous cases, I neither gave consent nor provided a written signature for this account 's reporting. All these accounts were opened online. 
XXXX XXXX XXXX  : Opened : XX/XX/XXXX ; Account # XXXX ; Owed : {$5500.00} ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX. The account by XXXX was deemed fraudulent and removed, yet XXXX XXXX persists in reporting the collection stemming from it. 
* It's worth noting that a breach detailed in an article XXXX XXXX XXXX XXXX ) is responsible for over XXXX XXXX stolen identities, as discussed. 
I implore you to rectify these inaccuracies promptly, as they have severely affected my financial standing and personal integrity. I appreciate your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

this debt collection agency furnished my nonpublic personal information to the consumer reporting agencies without permissible purpose : written instructions of whom the consumer relates and without my prior consent to reach out to me in regards to a debt. 

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The acts of furnishing my nonpublic personal information without permissible purpose is an invasion of my privacy, damage to my character, my reputation and my livelihood This debt collection agency has no regard to consumer privacy and is in violation of multiple laws 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I demand this account be deleted without reinsertion CEASE AND DESIST