23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I lost my phone. And there were unauthorized transfers from XXXX on my bank accounts from different bank. Those transaction taken place between XX/XX/2023 and XX/XX/2023. I talked to my bank snd they denied my claim. And told me that these transactions ate not unauthorized. The amount total of unauthorized transactions is {$1300.00}
Product: Mortgage

On XX/XX/2021 an unauthorized automatic payment was taken out by the company. As this payment was an excess they applied it to the following month. Upon the discovery of this unauthorized payment, I called Megastar to complaint of this payment. I was told they could not reverse the charge but would need to issue a check. I was issued a check for XXXX ( The amount of the unauthorized payment. ) I was not paid the overdraft fees that I was charge for debits that came out when I was not aware of this payment. 
On XX/XX/XXXX I cashed the check for XXXX that Megastar sent. I received a notice from my credit union 1 week later that the check had a stop payment. I was assessed a XXXX dollar stop payment fee. 
I called Megastar 's customer service number and was told that they had no record of the stop payment and asked for me to send in the credit union notice. This notice was submitted to Megastar. 
They continue to say that the check was cashed even thou they have the letter from the credit union showing the payment had a stop payment. The escalation 's department said they were looking into it as the credit union letter shows they stopped payment but their cash office says the check was cashed. 
I contacted the corp. office and was told it was a problem with the payment process company they contract with and they kept telling them that the check was cashed. The corp office could see the submitted letter from the credit union showing stop payment and fee attached for the stop payment that i was assessed. 
I have been told many times from the customer service department that a supervisor would call me to talk about this but none will call. 
We are approaching 4 months since this happened and we are no closer to resolving this dispute and the megastar financial corp office says it is the problem the payment processor needs to fix, however they should be responsible for the payment as the loan server.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY IDENTITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM A VICTIM OF FRAUD I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against Capital One for the following reasons : 1. Inaccurate Reporting : The bank has reported inaccurate information regarding my account to credit reporting agencies. This misinformation has adversely affected my credit score and financial standing. 

2.Misuse of Federal Reserve Loans : I am concerned that CAPITAL ONE may be abusing loans obtained from the Federal Reserve . It appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in relation to my account. 

3.Abuse of Insurance Policy : The bank charged me while collecting on the Insurance policy that was supposed to insure the alleged loan. This practice appears to be an abuse of the Insurance coverage and has resulted in additional FinanciaXXXX burden on my part.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX, I have been attempting to get Trans Union to remove a fraudulent inquiry from my credit report. Despite sending multiple letters to Trans Union and XXXX acknowledging the inquiry 's fraudulent nature, as of today, XX/XX/XXXX, Trans Union has still refused to remove it. 

I have sent approximately three letters requesting the removal, along with evidence from XXXX, and XXXX has also contacted them to request masking the fraudulent inquiry. However, Trans Union 's continued refusal has resulted in an inaccurate credit report, as none of the other credit companies have listed this fraudulent inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted documents to this consumer reporting outlining the full extent of Identity Fraud when it comes to me. On XX/XX/2023 I submitted a dispute to Early Warning Consumer Services ( file # XXXX ) concerning the fraudulent account and inquiries that are being reporting under my personal identifying information. I talked with someone named XXXX and later some other rude woman who basically told ne verbatim that even though I submitted documentation concerning fraud, that they were going to do what they wanted and continue to report fraudulent information until I make the XXXX Police Department and the USPS Inspectors give me a police report without them conducting an investigation to see what happened to my mail. I submitted incident report numbers and a City of XXXX Police Department incident report. I also explained to them the consequences of continuing to reporting information that has been verified as fraud 15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be fumished on my consumer report as they are in VIOLAT Under, 15 U.S Code 168 1b - Permissible purposes of consumer reports ( a ) IN GENE Subject to subsection ( ) any consumer reporting agency may furnish a consumer report under the follo wing circumstances and no other : ( 2 ) In accordance with the WRITTEN XXXX INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates their rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 

EWS has blatantly disregarded the FCRA as well. Providing access to personal information through credit bureaus without my consent.
Product: Credit reporting or other personal consumer reports

I have a car lease with XXXX XXXX they stopped reporting my payments to the credit agency 's in XXXX after my bankruptcy was discharged even know im still makeing ontime payments to them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested repeatedly for the company XXXX XXXX and also XXXX, XXXX, and Transunion to validate the debt that keeps sending to me claiming that I owe. I have since sought legal counsel since my requests are going ignored which is a violation of my rights as a consumer. This company XXXX XXXX is not licensed to collect in the State of Tennessee. I have asked for them to repeatedly send their licensing information to prove that they are licensed to be contacting me about paying a debt. I have also asked all 3 credit bureaus to validate this debt. I can tell that a proper validation was not done because if they did they would know that this company can not pursue debt buyer and debt collection activities in my state of residence which is Tennessee. I have attached all paperwork for review of XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX
Product: Credit card

On XX/XX/24, made a XXXX booking with Southwest Chase Credit Card for travel XX/XX/24 - XX/XX/24 with original charge in amount of {$380.00} and an additional charge for remainder balance of {$500.00} on XX/XX/24 for total of {$890.00}. XX/XX/24, XXXX XXXX XXXX  advised not to travel due to severe winter conditions that will lead to whiteout conditions, making travel extremely dangerous. Communicated with XXXX  host for a full refund understanding their cancellation policy at time of booking outlines specific dates and details of partial and full refund in hopes host would be understanding but wasnt. Host then indicated he would be opened to a refund of {$320.00} ( taxes and cleaning fees ). I reached out to XXXX  customer support 5x asking if the extenuating circumstances policy applies in this instance, and received mixed responses of 1 ) work with the host 2 ) host is opened to a potential full refund the same day we were in contact, if I cancelled the reservation on my end that day, and theyre able to get another customer to book their place. So, I cancelled the reservation and got a refund of {$220.00} noted on credit card statement on XX/XX/24 ( less than what the host said originally of {$320.00} ). On XX/XX/24, filed a dispute with Chase credit card company of the charges and provided all of my supporting documentation with the host, XXXX  customer support, and the XXXX XXXX XXXX XXXX. On XX/XX/24, received a notice of the outcome that charges were valid and the 12 page letter outlined the cancellation policy, terms and agreements I agreed to at time of booking and XXXX  informing the credit card company I did not try to work with XXXX  to resolve this issue which is NOT true. On XX/XX/24, contacted Chase credit card to learn how to file an appeal of the dispute outcome. Followed the process I was advised and uploaded supporting documentation again of my attempts to work with XXXX  customer support who gave varying responses. On XX/XX/24, got an updated letter from Chase stating my dispute was forwarded to XXXX, XXXX, XXXX, and XXXX.
Product: Credit card

I established a Bank of America Credit card to take advantage of the zero-interest balance transfer promotion they were offering. The first payment I made to the credit card went through with zero issues. Fast forward to this month 's payment which was due XX/XX/XXXX and I log in to make the payment XX/XX/XXXX only to find that I MUST enroll in online banking AND re-establish my account to draft the payment from. That portion didn't bother me much as I know online portals update. The part that made it extremely difficult was that they had to re-verify my checking account to make the payment ( as of XX/XX/XXXX it is still not verified because I have to report small deposits made as of XX/XX/XXXX FIVE days after attempting to make payment, and I am still unable to pay my bill ). I reached out to the Bank of America Chat immediately on XX/XX/XXXX since I knew my bill was due soon and had not experienced this when I made the very first payment the month prior. The rep told me that Bank of America would " honor '' my payment at the time it was made online even though the account had not been verified yet ( which was a lie-because it never allowed me to submit a payment since the account isn't verified ). I asked for alternate methods of payment since I was having issues online. I was provided in the chat with an XXXX number ( thankfully I saved in my phone ) and was not provided anything else other than " you can stop by a branch ''. I ASKED for the communication to be sent to me for future reference and was told they could not send the chat over. I was also told that they could not send me anything in writing listing out the other ways to make payments. I believe their practices fall under UDAAP because they do not clearly indicate how the payment process works. If they change how payments are processed/set up they have a responsibility to communicate that to their customers. Thus, creating a lack of understanding of how they operate and abusive practices by creating a stressful situation where someone may be trying to pay their debt and then end up with late fees, etc. They also try to FORCE you into signing up for estatements which is not a good option for all people.
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 resolutions 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

I looked on my credit report and saw that XXXX XXXX  placed this negative information. I tried relentlessly to contact XXXX also XXXX XXXX XXXX regarding this issue. When I called the hospital was told there is no record of debt. Ive sent faxed, emailed, verbal communication of this information. Each person including supervisors say that there isnt any information on this debt. I submitted a financial statement of hardship to hugely and advent with no response. Then a negative statement on my credit report. XXXX XXXX and on limited income. Ive submitted over and over financial statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we have taken steps to freeze credit reports at all 4 know agencies : Equifax, XXXX, XXXX, and XXXX. This is in response to the significant security breach and theft of personal information from Equifax in XX/XX/XXXX. 

XXXX and XXXX have charged {$10.00} each form myself and my wife, for a total expense of {$40.00}. ( Equifax and XXXX have no charge for this service. ) However, we believe that Equifax 's official response to the breach inadequately protects our identity. Credit reporting alone is insufficient. We feel that the company should reimburse us for the time and expense of freezing or credit reports. We should also be allowed to temporarily lift credit freeze at no additional charge with all of the credit bureaus as required for normal financial matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending reports and made it clear I was identity thefted. They have ignored every report, every dispute over 100x, complaints, disputes and reports all ignored. 
I am being Discriminated against, for my color, my XXXX, my gender, my Sexuality, my age. They have caused me to be homeless for over two years now. I am filing civil rights
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a collection added illegally back to my credit report on XXXX XXXX, XXXX by CONVERGENT OUTSOURCING, INC. XXXX XXXX XXXX XXXX XXXX, WA on behalf of XXXX for {$1600.00}. This account was previously deleted in XXXX due to their use of improper protocol when attempting to collect an invalidated debt as well as it being fraud. I was not sent the legal notice that this account was resold or the required 5 day letter that this collection would be added back to my credit report. I would like this collection removed again as it was and the collection agency to no longer attempt to collect an invalid debt. This is causing an extreme hardship by damaging my credit continuously with fraudulent information. This situation is causing me loss of money, time, credit resources and severe stress. Notices have been sent to the company requesting action with no response. This is now becoming harassment and I would like this resolved immediately or I will have to take legal action. It is already difficult enough as an Identity theft victim trying to repair and replace the things I 've lost and this illegal action just adds insult to injury.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within XXXX  days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX - XXXX : {$290.00} - Account # : XXXX XXXX XXXX- Balance : {$360.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$300.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$320.00} - Account # : XXXX XXXX XXXX, XXXX - Balance : {$5100.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : 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 XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a fraudulent account on my credit report. This account is fraudulent and hindering my ability to obtain credit. Please remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report upon being released from prison after 9 years on XX/XX/2021. 
There was a debt listed that I had nothing to do with. 
I submitted a complaint with XXXX. 
They " investigated '' and said the info is " accurate ''. 
This is ridiculous. People in prison are highly monitored and can only purchase consumer items with cash. They have records of all Ive purchased and this debt isnt " accurate ''.
Product: Credit reporting or other personal consumer reports

Equifax sent me a letter dated XX/XX/year>, stating, " We are writing to inform you that a security freeze was placed on your Equifax credit report. '' Equifax also sent me a letter dated XX/XX/year>, stating, " We have received your request concerning a security freeze on your Equifax credit report. Unfortunately, we were unable to process your request because we need additional information. '' What XXXX XXXX is going on with Equifax?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian let someone steal my identity and access my private information for criminal activity. Now I am unable to see what the thief has done under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion over 20 times through the last 30 days between phone calls, letters, and e-mails to your executives which have all gone unanswered. 

To date Transunion has triggered an unsolicited fraud alert and unilaterally decided to send that information to the other 2 major credit reporting agencies. 

Since the fraud alert, I have called in to confirm that I had given no consent for any changes to be made to my account and had been assured on each occasion that the fraud alerts have been lifted. 

I can confirm that Transunion still has my credit frozen. So I repeat, I demand that ALL reports through Transunion under my name are to be unfrozen immediately as I never requested or gave any consent for a credit freeze to be implemented or communicated to another report as that constitutes as non-public information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several unauthorized inquiries on my credit report. I tried to inform Transunion of the fraudulent activity but they did no remove it. The following inquiries are unauthorized and fraudulent : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my Credit Report and noticed there were items that were added/opened under my name during the time I was on Military Leave. These items do not belong to me, I did not open these accounts or had any prior knowledge of them being open. I have disputed these items with the company and got a XXXX  response.
Product: Debt collection

This is ridiculous your client and I were already in a dispute because of actions that they took well they should have informed you. If they didn't that's on them you sent me too messages and im pretty sure I've told you to cease and desist and you complied but apparently you went out of your way to text me. This is harassment. I already have enough on my plate and on top of that suffering from a possible XXXX XXXX I would like to live my life in peace
Product: Credit reporting or other personal consumer reports

I filed a dispute on Loan number XXXX XXXXXXXX XXXX XXXX due to inaccurate information being reported. Experian denied to follow up u with the investigation. I recently was notified that CFPB has filed a lawsuit against Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. I am requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting more property and assisting my children with college loans due to the derogatory remarks. Experian violates my rights as a consumer as well as federal laws.