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

I was reviewing my XXXXredit score today and noticed some things on my report that were quite disturbing. I noticed that someone has fraudulently opened up multiple credit cards in my name. It has happened over a two year span beginning approximately 4 or 5 years ago.
Product: Debt collection

Before the pandemic XXXX XXXX and Portfolio Recovery contacted me via phone and email threaten to take me to court for a lawsuit. I was getting harassing phone calls daily in the month of XXXX until end of XXXX. In the middle of XX/XX/2020 that is when they send me a court order to attend a lawsuit hearing. They threaten to send me to jail if I did not come to an agreement with them. I was shaken and frighten to be jail for something I know nothing about. The lawsuit cause my XXXX XXXX to go up and my health to decline with stress over the covid-19 and now lawsuits. I have attempted to contact them and was not successful. I left them detail messages and no one returned any of my calls. 

They stated that I owe them two amounts {$1000.00} and {$1100.00} ( XXXX XXXX ). 
Sometime last year I heard of XXXX breach as well as XXXX  breach. I am asking you to please help me put an end to the harassments from XXXX as well as Portfolio Recovery who stated that I owe them {$670.00}. This will mean so much to me and my health.
Product: Checking or savings account

Someone wrote me a check from USAA Federal Savings account. I deposited the check with my band and it has been on hold for 5 days. I just called USAA to confirm that the check has sufficient funds and they were extremely rude and intentionally hung up on me. Every financial institution allows people to confirm sufficient funds on check, when I called USAA this was news to them and disconnected my call.
Product: Debt collection

I applied to XXXX University in XXXX XXXX, CA. However, I never attended any XXXX at the XXXX. I spoke with someone from the XXXX and informed them I would not be going there after all. They said I would be dropped from classes that they signed me up for. Now they have sent me to collections for {$5000.00} in tuition costs for an education that I never received. I never attended any classes at all.
Product: Credit card or prepaid card

My American Express credit card was closed without warning. There was recent fraud on my account because my identity was hacked online and next thing I know the account is closed without any warning nor contact made. To make the situation even worse the reward points that I worked hard to acquire were taken away forfeited for no fault of my own at all. I earned those points with my spending of my hard earned money and also paying it back. They had to right to take my points and just cancel my account. I want my points that I earned back and getting bullied by a multi-billion dollar company.
Product: Debt collection

I received this letter on XX/XX/23 stated credit reporting notice in the amount of XXXX the original creditor is XXXX XXXX  and I didnt take out a loan for that amount with that bank. I called the toll free number that was provided and they told me I am a co borrower I asked for the documents and they refused. This is not my debt and I need help with getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score ove r XXXX transunion has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and my Social Security Number : XXXX, 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 Experian 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 an auto loan at XXXX XXXX XXXX opened XX/XX/XXXX under the account number : XXXX, an auto loan This account has 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 account or hard inquiries as reported. The aforementioned account, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from the US Federal Trade Commission that the aforementioned consumer account, and hard inquiries are the result of identity theft and fraud. 

Inquires in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Despite raising the issue of inaccuracies in these accounts multiple times and consistently requesting thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXn XXXX  TransUnion XXXX  All 3 Credit Reporting agencies refuse to release any & full credit reports to XXXX XXXX XXXX in her requests by her name, DOB, SSN. All 3 Credit Reporting agencies will only provide to XXXX XXXX XXXX ; by her current address ; nothing else ; a strictly limited information. Infact all 3 credit reporting agencies ; contrary to federal laws ; inform Ms. XXXX they only do data release related of Ms. XXXX 's current and given address ; not by her name, DOB, SSN.
Product: Credit card

I purchase the entire flooring materials and installation from Home Depot in XXXX XXXX on XX/XX/year> and in XXXX they came in and installed the flooring and on the last day of the job the installer stole over 10 boxes of brand new materials and left a biggest mess in my house and most importantly forged my signature on the Certificate of Completion on XX/XX/year>. 
I contacted the homedepot customer service first and they told me that since the signature is forged you need to dispute the entire amount and I filed the dispute for {$8100.00} and then they cancelled my dispute and the reason was that I agreed to the charge and they sent me another Certificate of Completion with the forged signature. I called them back and refiled another dispute and this time I sent them the form with their fraudulent signature on it and again today after 2 months XX/XX/year> they canceled the dispute and they said this is ok that they signed as my behalf and I am still responsible for this charge, even though the installer stole over {$1000.00} of the flooring materials and Homedepot received another {$800.00} of the flooring materials and they haven't refunded me on that either. 
homedepot came in to instepect the job after and they determinded that the job needed to be redone entirely too and yet they have done that. 
they damaged my house and left a huge mess in there too.
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 Consumer Financial Protection Act ( CFPA ). 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 and 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. His actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

We are a XXXX XXXX that dates back to XXXX. We have a XXXX XXXX in XXXX VA and we do work for private firms, corporations, schools and government all over the country. We specialize in XXXX  XXXX and XXXX XXXX 

We received an order from someone posing as a purchasing agent for XXXX University. 

They paid a total of {$15000.00} for 5,000 USB drives with a 2 color logo on them.

( We are in the XXXX XXXX ) They sent over a purchase order, his email address looked legit along with his tagline. We were able to look him up in the directory at XXXX  University. Everything  checked out. 

I paid XXXX to get the XXXX XXXX XXXX and shipped them to the customer, that money is already spent ( so I could profit {$3000.00} ) Weeks later theXXXX was charged back and my bank account went negative {$15000.00}. 

Elavon initiated the chargeback, they are also holding $ XXXX ransom for other credit card payments we received from our customers. 

The end result is my company being out XXXX + XXXX + {$4000.00} that Elavon will not give back. 

My insurance policy has some sort of Cybercrime Protection as well. 

So far everyone is pointing the finger at me and telling me that they can't help me. 

Apparently the card was flagged as stolen back in XXXX.
Product: Checking or savings account

On XXXX, I received a notification that {$500.00} was removed from my account as an electronic draft. I immediately called my bank XXXX Bank of America XXXX and told them that it was unauthorized and that it was fraud. I explained that the transaction showed it was for XXXX XXXX  CarPay, assuming it was for a car payment, that I do not, nor have I ever had. I was told the first time I called, that there is nothing that she, the representative could do and that I would have to wait for the transaction to post to my account and file a dispute on my own, through the app. I said ok and disconnected the call. 

I called back and spoke with someone else, asked that since it was an ACH, can a stop payment be placed? I was told that a stop payment wasn't recommended because it wouldn't do anything, I would be charged {$30.00} and that it would take 3-5 business days for it to take affect. I explained that the institution I work for, takes overnight processing for a stop payment, so that didn't make sense. I was told that a freeze can be placed on my account for the time being and that I can open a new account if I like. Then to call back later to close the account. Since my account number was compromised, I agreed to freeze the account and open a new one. The rep guided me connected me with the department that could help me and told me to file the dispute later when the transaction posts. 

This fraudulent transaction made my account negative {$280.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of 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. Here are the ITEMS that needs to be removed in my file : 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 Balance : {$73.00} XXXX  XXXX XXXX Balance : {$82.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$5400.00} XXXX CARD XXXX Balance : {$2300.00} XXXX XXXX XX/XX/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: Debt collection

Person claiming to be from the National Mediation and arbitration from XXXX Georgia tried to collect an outstanding medical debt for an XXXX XXXX visit on XX/XX/2011 for the amount of {$440.00}. They said that I had to pay the amount of risk being sent to court by the end of the business day. That according to a new law that Trump passed, unless I took care of it today I would risk the amount affecting my taxes. When I asked for the account number or a copy of what was happening on paper they stressed that they couldn't do that and it had to be handled today. The only ref. number they gave me was XXXX. and a call back phone number of XXXX ext. XXXX. I spoke to two people a woman with the last name XXXX and a man named XXXX XXXX. 
I contacted my Insurance to cross reference the date and see if they had any medical claims with that date. They did not. The insurance contacted the hospital and the hospital also did not have any records of service on that date and also said that the " National mediation and arbitration " from XXXX Georgia was not a collection agency they use.
Product: Mortgage

In XXXX of XXXX, I was contacted by Chase about my house asking if I took damage from hurricane Irma. I stated that I took some damage and need some assistance with the fact that I was a single dad with XXXX and it was hard to come up with the money for the repairs. At the time Chase help the insurance on the property and said it was for total lose to cover them and not damage due to storms. The agent let me know that I qualified for hurricane forgiveness and that I would not have mortgage payments for 6 months at which time they would get back to me about the next steps. I asked if the 6 payments would be added to the end of the existing loan and he replied yes something like that. In XXXX of XXXX Chase asked me to pay three payments on time on the first of every month at the end of those payments they would send me the next steps.In XXXX of XXXX Chase sent me a loan modification for 18 years at 4.625 %. The problem was they wanted my ex-wife to sign the paperwork which she refused to do. I worked with my case manager which said to send in the divorce paperwork which I had done with the paperwork without her signature. The case manager said I would also need a quick claim deed which my ex refused to sign. I asked for an extension of time while I worked through the courts to get the quick claim deed signed. The case manager said that wasn't a problem. It was late XX/XX/XXXX when working through the court system that I got the deed signed and notarized and sent to them. I then received a letter stating that I took too long to get Chase the paperwork and that the modification was off the table. I talked to my third case manager in this process and he said he would work through this to get the modification approved but said I needed to submit a new request for modification. I received a letter in XX/XX/XXXX to make three more monthly payments on the first of every month and the modification would go through. After completing the three payments on time the modification paperwork was sent to me at 9.825 % for 40 years. I was told that the original modification was no longer available and XXXX guideline said they had to lower my original loan payments so that is why they ran the loan out to 40 years instead of lowering the interest. I disputed that because the new payments lowered my original mortgage by {$5.00} but added 22 years to the life of the loan. Upon submittion of the latest dispute, Chase has now said modification of any kind is out of the question and wants me to come up with {$13000.00}, which none of the six trial paints went against, or they were going to start foreclosure. Please help, as I feel Chase 's intentions this whole time was to dangle a carrot I could not reach in order make a ton more money off of me in the end. With the cost of my medical bills due to treatments and the subsequent side effects I can not make such dramatic payments. 
Not to mention that in XXXX of XXXX Chase took my three year A.R.M. and turned it into a conventional loan without my permission or consent as it was at 6.25 % over prime and they made it a conventional loan at 9.825 %.
Product: Credit reporting or other personal consumer reports

XX/XX/2023. Wrote to school first Credit union to opt out on reporting my information..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with this issue with Equifax for quite some time. I had two accounts opened without my authorization and have sent in all documentation necessary to substantiate this. Yet, Equifax continues to " re-investigate '' these accounts over and over with no result. This has been a huge burden on myself and my family because it is preventing me from purchasing a home. I need these accounts to be deleted once and for all because they are not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for the past 3-5 months to correct open ongoing issues. The main concern is my credit score. It was at XXXX on its way going up and due to false errors which experian refuses to truly work on, my credit reduced. 

I want to take an adverse reaction, these credit reporter mess with your livelihood and expect later for the consumer to hire companies to fix their errors and clean up their mess. 

My score is questionable due to their errors.
Product: Money transfer, virtual currency, or money service

I am writing this in light of a situation where Zelle reversed a payment that was sent to my account resulting in my account being negative over {$1400.00} even after proving that the payment was confirmed from the sender. The new CFPB lawsuit highlights a number of issues with this transaction company. My bank and Zelle failed to properly investigate this matter. The company advertised safe and secure transactions with the confirmation before sending payments but still failed me by letting a payment made to me be reversed. The lawsuit shows how Zelle double protect consumers and also let repeat offenders use the platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the Bureaus on XX/XX/2022 regarding an account that is on my credit report. The account in question is XXXX, which according to my credit report, is from Law Offices of XXXX. I have no clue what this account is nor what is being claimed that I owe or why. As a consumer I have the right to a Credit report that is 100 % accurate and mistakes like this are unacceptable. What makes matters worse is the FCRA explains in depth the process for dispute. According to the FCRA the bureaus have 30 days from receiving a dispute to notify me, the consumer, of my right and that their status of the investigation. In the event the information is unverifiable the Bureau is required by law to remove the account. If the Bureau is able to " verify '' the account then they are to inform the consumer of their finding and the status of their disputes. It has been over 60 days since this Bureau has received my complaint. The fact that they have not notified me of their finding I believe it is because they were not able to " verify '' this account which then means that they are reporting information that is inaccurate and against the law to be on my report. I am on the market for a new house and discrepancies like this are very damaging to my credit profile. This Bureau is deliberately breaking the law and violating my rights. I am documenting this complaint for my records in the event this has to move further. I am hoping this can be resolved in the CFPB and we don't have to move further. It has been OVER 60 days that the bureau receive my dispute. It has now move past the MAX amount of time the FCRA allows Bureaus to handle dispute. For this reason, the Bureau has a duty to delete this account Immediately!
Product: Debt collection

Stillman Law Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX PHONE : ( XXXX ) XXXX FAX : ( XXXX ) XXXX WEBSITE : www.stillmanlaw.com Stillman Law Office is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX XXXX, XXXX. 

You had a XXXX XXXX XXXX XXXX. 
As of XX/XX/XXXX, you owed : Between XX/XX/XXXX and today : You were charged this amount in interest : You were charged this amount in fees : You paid or were credited this amount toward the debt : Total amount of the debt now : {$3000.00} I received a letter from Stillman law office and they are stating I owe a balance through XXXX XXXX. Ive never open a XXXXXXXX XXXX card after my bankruptcy. I filed for bankruptcy end of XXXX beginning of XXXX so when this card was open I was unable to establish any kind of credit because of my bankruptcy. I do not own a XXXX XXXX or XXXX Recently I have been to court 4 times for XXXX and that fraudulent case was dismissed and I won the case. Please let me know what else is needed. I confirm this account is not mines and I did not open this account.