23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am a XXXX in the united states XXXX  and penfed credit union has restricted my accounts with over XXXX XXXX dollars in cleared ballances acctoss my accounts the credit union has locked my online access without any reason or explanation i call and get the run around then just yesterday i accidentally entered my pen fed card into XXXX and it gets approved i tried to use again and it went back to being restricted penfed needs to unrestrict my accounts immediately or just let me close my accounts and retain my ballance
Product: Credit card or prepaid card

I have tried to call the company numerous times. I have emailed multiple times, messaged them on XXXX and posted on their XXXX page. I was advised to message their XXXX XXXX and email them. To which I did and no response. I had a {$0.00} balance and had not used the card in a long time. There are multiple transactions from the week of the XXXX. I want my account closed and removed from my credit.
Product: Checking or savings account

On Saturday morning, XX/XX/XXXX I walked into a Bank of America branch and deposited {$1000.00} into an atm machine. While the transaction was processing, I received an error message saying that my transaction could not be processed at this time and to enter the amount that I deposited. I enter the amount that so deposited and then the atm displayed a message saying that the amount I input could not be verified and to call the claims center. I contacted the claims center and out in request and since the XXXX of XXXX Ive been fighting to retrieve the amount owed to me. Out of the {$1000.00} only {$300.00} posted to my account, {$700.00} has yet to be accounted for and when my claim was researched, Bank of America closed my claim out saying that no additional funds were found in the atm. I demanded today that they review security footage and re-open the account to re-investigate. This is absolutely outrageous that I have to fight for 2 weeks to receive money that was taken from me by an atm at their bank.
Product: Debt collection

The following Hard inquiries were made on my credit : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX In XX/XX/2018, I Applied credit Freeze to my XXXX and XXXX  accts  via XXXX XXXX I then Called XXXX cust service on XX/XX/XXXX to inquire as to why they were making inquiries on my credit They had no record of my name/address I then Checked XXXX XXXX for my credit report XX/XX/XXXX I Found that there was an account in collections that was attached to my credit Collection agency XXXX XXXX XXXX # XXXX ( acct ) Reported XX/XX/XXXX The information on the account : Acct : XXXX XXXX - {$1600.00} Client # XXXX Acct holder XXXX XXXX ( authorized user XXXX XXXX ) XXXX XXXX # XXXX, XXXX VA XXXX I do not know XXXX XXXX or XXXX XXXX - i do not have any connection to this address in XXXX, va - and I NEVER opened this account - I Explained situation ; ( XXXX XXXX @ XXXX ) advised me to call XXXX I then called XXXX cust serv XXXX XXXX advised I needed a police report or go to XXXX file a claim and email it ; Went to two police precincts neither were able to help ( no one in to handle this type of report ) Went online and filed claim and emailed to to XXXX XXXX XXXX. XXXX Filed claim of fraud with XXXX acct : XXXX spoke to XXXX XXXX @ XXXX stated the collection file was removed as of XXXX Now, as of XX/XX/XXXX SEQUIUM ASSET SOLUTION has placed an account for collections on my credit file - SAME PROBLEM -- Original creditor : XXXX XXXX {$1400.00} I tried to call SEQUIUM -- they say they can not help me - On XX/XX/XXXX, I received an email from XXXX XXXX ( REC DOCS ) stating that they had received the fraud packet, and assigning a customer ticket # - XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX, I am writing to dispute the letter I received today regarding the coerced debt under my name due to financial fraud and identity theft. I have already disputed this debt multiple times with XXXX XXXX XXXX and the original creditor, XXXX XXXX. Both parties are fully aware of my situation. 
Please see the attached documentation from several U.S. law enforcement agencies that support my claim. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX NOTE : As for your awareness, this report will be included in the FTC database, I am requesting an immediate investigation and audit of this bank for violating U.S. Consumer Financial Protection laws. if you have time to address this issue before an audit is conducted, please keep in mind the following consequences under the Fair Credit Reporting Act ( FCRA ) for not honoring an electronic identity theft report filed with the FTC by a victim of financial fraud : Civil Penalties : The Federal Trade Commission ( FTC ) can indeed fine companies that do not comply with consumer financial protection laws in the U.S. The FTC has the authority to impose civil penalties for violations of laws such as the FTC Act, which prohibits unfair or deceptive business practices. The FTC can impose significant fines on violators, with each violation resulting in fines up to {$51000.00}. Additionally, each day a violation continues can be considered a separate offense, potentially increasing the total fines significantly. Additionally, the Consumer Financial Protection Bureau ( CFPB ) also oversees CRAs and can take similar enforcement actions. Damages : Victims can sue for actual damages, statutory damages, and punitive damages, including compensation for financial losses, statutory damages for willful non-compliance, and punitive damages to punish the violator. Corrective Actions : Credit reporting agencies are required to correct or delete inaccurate, incomplete, or unverifiable information. Failure to do so is a violation of the FCRA. Legal Orders : Courts can issue orders to prevent further violations, ensuring compliance with the law. These measures are designed to protect consumers and ensure the accuracy and fairness of credit reporting. Furthermore, since I am a California resident, it is important to note that in California, if a creditor sells the debt of a victim of identity theft to a debt collector, it would be a violation of the Rosenthal Fair Debt Collection Practices Act under California Civil Code Section 1788.18. This section specifically protects consumers who are victims of identity theft from debt collection actions on debts not rightfully theirs. Essentially, it is considered an unfair debt collection practice to sell a debt stemming from identity theft. The CFPB has already provided you with my updated Identity Theft Report filed with the FTC, along with supporting documents submitted to the local police and an FBI letter to creditors. I have done my part already! I authorize the CFPB to publish this for transparency.
Product: Credit reporting

I have incorrect information on my credit report. I went to dispute items that were incorrect again and experian will not let me do so. Message came up that i have already disputed these XXXX items and will not re-dispute the information. I tried to add a statement as XXXX item was a result of identity theft and again it would not allow me to add a personal statement. Now i need to spend my time on the phone again tomorrow to call experian and I want these items re-disputed. It 's not right that I have identity theft on my credit report which is affecting my credit score and they wo n't remove it. I also contacted the ceo of XXXX to complain as I was getting nowhere trying to contact XXXX XXXX customer service. There are also items reporting as potentially negative for a late payment. When in fact I have valid proof from the bank that these items ( XXXX ) should be reporting as accounts in good standing.
Product: Checking or savings account

On XX/XX/XXXX there was a fraudulent charge on my Chime debit card. I filed a police report and reported the fraudulent charge to Chime. Chime alleged that the charge was not fraudulent and refused to return my money. Basically saying that I made the purchase and filed a false report. This is a clear violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020. I called Equifax to asked them why the XXXX 's account was closed on my credit report and had a comment that stated, " Account paid after foreclosure started '' on the account. When the customer service asked me where I pulled the credit report from and I told her from Equifax.com, and I am a Equifax Complete member. The representative stated to me that she doesn't see that the account is closed and it open on her end with no comments. Equifax customer service asked me to call XXXX 's to asked them about the account. I called XXXX 's and they told me that my account is in good standing with a {$0.00} balance. So I called Equifax over the course of three time in the week beginning XX/XX/2020 with no resolution to my problem. XXXX 's said that they will file a dispute but I told them that I do want them to file a dispute, because I will be applying for a mortgage soon. I feel like this something that should be settled quickly and it should not take 30 days to do so. This is Equifax mistake and they need to take ownership of it and correct the problem. This is only showing up on my credit report through Equifax.
Product: Money transfer, virtual currency, or money service

you and your account. 
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 proce 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: Consumer Loan

I was charged by Volkswagen Credit XXXX for wear and tear upon returning my lease vehicle. This bill came almost XXXX months after I dropped off the car. To dispute the charge, I paid the bill with an XXXX card. Supporting documentation was submitted to XXXX and on my behalf, they waited for a evidence and a reply from VW to support their claims of the damages, but there was no reply. After almost XXXX months, I was then issued a credit of XXXX ( minus the return fee of {$350.00} which I paid ) from VW. A few weeks ago VW sent me another bill for XXXX. They called and threatened that the charges would go to a collection agency if not paid. [ In addition to this over a year ago, the maual transmission, for the same car in question, failed on the highway. VW claimed abuse, and I was charged over {$2000.00} for a car barely XXXX years old. According to them XXXX other women have had the same issue and was not aware they did not know how to drive a stick and was responsible. They offered this unsolicited information despite the fact that my previous car was a VW XXXX as well. XXXX stepped in and disputed the charges and I was issued a refund. ] Because of their questionable practices I decided to return my car a month early and paid my last month 's payment early. This was a clean car that I returned. The has a parking space both at work and at home and rarely parked on the street.
Product: Money transfer, virtual currency, or money service

I never opened an account with Chime and I reported this to the company as being fraudulent. I asked them to close the account but do not have verification that they have. I am still receiving notifications from them that the terms and services of my account have changed. 

I do NOT want to use Chime ever.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that fraudulent accounts and inquiries listed below be blocked and deleted from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. I have not authorized these accounts or inquiries, and they are the result of identity theft. 
Fraudulent Accounts 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 or other personal consumer reports

I am writing to formally lodge a complaint regarding persistent inaccuracies on my credit report. Despite multiple requests and providing substantial proof of identity theft, the credit bureaus have failed to address my concerns adequately and have not adhered to the protections outlined under federal credit consumer protection laws. 

The issues on my credit report include : A loan that was fraudulently opened in my name without my permission. 
Incorrect personal information, including an incorrect birthdate, unknown addresses, and unauthorized individuals listed on my report. 
A lack of proper response to my repeated requests for item removal and verification of agreement. 
Despite my providing evidence of identity theft, including [ list the specific documents provided, such as police reports, FTC identity theft reports, or other relevant documentation ], the credit bureaus have neither resolved the inaccuracies nor provided any proof of the alleged agreement that validates the fraudulent accounts. 

This situation has caused significant distress and has had a negative impact on my financial standing. I believe the credit bureaus are failing to comply with the Fair Credit Reporting Act ( FCRA ) and other applicable laws that are designed to protect consumers from identity theft and unauthorized credit reporting. 

I am requesting the CFPB to : Conduct a full investigation into this matter. 
Ensure that the fraudulent items and incorrect information are removed from my credit report promptly. 
Hold the credit bureaus accountable for their failure to adhere to consumer protection laws. 
Enclosed with this letter are copies of my identity theft report, correspondence with the credit bureaus, and any additional documentation that supports my claim. Please let me know if further information is needed. 

I trust the CFPB will take immediate action to address this issue and ensure that my rights as a consumer are upheld. Thank you for your attention to this matter. 

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 Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/year> I received a copy of my credit report and found some accounts that I don't recognize being reported to my credit file which is making my credit report inaccurate. I have contacted these companies and asked what their procedures are if someone is going through a data breach and is experiencing Identity theft. I explained I have been going through ID theft for several years and unauthorized accounts are being reported to my credit file every other year. I was told I needed ID theft affadavit which I will attache here. The latest data breach has come from Equifax. I also filed complaints with BBB and the Attorney general for consumer protection. 


XXXX XXXX XXXX XXXX. 
Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquires not authorized : XXXX XXXX  Miscellaneous, XXXX XXXXXXXX
Product: Bank account or service

In 2013 a good friend was killed XXXX. Hiswife was not working, did not have a bank acct. or driverslicense and was totally dependent on him for her and herXXXX teenagers support. He had several insurance policies, onepaid out {$70000.00} immediately and she was sent checks todraw from a brokerage account, but with no ID she could donothing to access it. I offered to deposit some of the draftsinto my checking account and give her the cash when theycleared. Then I cashed XXXX checks totaling {$7000.00} over a XXXX dayperiod and the bank made the funds available the next day. 
I had been doing this for months and nobody thought shehad either spent {$70000.00} yet or would write worthless checksas there had been no problems to date. Then the XXXX checksbounced and she would n't cover them. She had a check foranother {$70000.00} in hand and upwards of a XXXX dollarscoming. I informed the bank and filed charges and after I worked very hard with the XXXX XXXX, Texas XXXX office I got the funds repaid. Every penny, the XXXX XXXX XXXX XXXX office sent the check directly to the bank made out to me, and Compass Bank collected everything owed them and gave me the rest. They seemed grateful to me at the time and told me while they had to close my acct., no negative report would be issued by Compass Bank XXXX There is nothing ambiguous in that statement, nothing open to interpretation or given nuanced meaning. And something else not open to interpretation is the fact Compass Bank made the funds available before the checks had cleared. I in no fashion coerced or forced Compass Bank to give me anything, I do n't have access to their vault or any means to get money from them they do n't willingly give me. The bank 's security department went over several these transactions exhaustively at the very beginning and only approved them after an exceptionally thorough and very intrusive vetting and interview of me and this person to assure that neither of us had any ill intent in these transactions. After time I did request that the bank lessen the hold time on the deposited checks but the decision to do so was entirely theirs. The transactions were totally transparent, at no time did Compass Bank not know everything I did regarding these transactions. So how can Compass Bank, not their Loss Prevention Department since the public sees them as a single entity, how can BBVA Compass Bank issue to the world, defend and refuse to retract this libelous and defamatory statement about me in their " contribution '' to my file at XXXX regarding the closing of my account : " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner ''? I have opened XXXX bank accounts in thelast 2 months, only to have XXXX XXXX cause them to be closed2-3 days later. I am a XXXX, I ca n't survivewithout a bank account and these two companies havenearly broke me. I have lost XXXX ofdollars in actual and potential income because they willnot correct a mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, Experian reporting false report stating that I had an XXXX XXXX open in XX/XX/XXXX. On XX/XX/XXXX the report stated the year was XXXX. Since, I moved back into my house in XXXX of XXXX, I have been with XXXX XXXX XXXX which, the company can verify ph # XXXX. I have never been with XXXX XXXX and prior moving to my house after evicting the person living in my house.. which is in Court Records, I was living with my daughter on XXXX XXXX which, the IRS and even verify. XXXX XXXX is fabricating and never sent me any info to dispute and even XXXX  have taken this off their reporting but Experian has refused and has added more incorrect reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can some please help me.After reviewing my credit report I on XX/XX/2020 wrote to Equifax about inquiries that i did apply for, Equifax reply that it was verify. How was it verify I sent in a id theft affidavit my 1st letter. on XX/XX/2020 I resent all docs to Equifax with a 2nd letter and I will also upload
Product: Credit reporting

I recently disputed credit account with XXXX XXXX XXXX on my Experian credit file.Experians investigation results were that the item " remains '' on my credit file. I have reason to believe that Experian did not correctly investigate my dispute because I disputed the same item with XXXX XXXX XXXX with XXXX and their results were : " This item has been deleted from the credit file. '' My ultimate goal is to have this item deleted from my Experian credit file. You will find attached to this complaint my XXXX investigation results and my Experian investigation results.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

Late Closed XXXX XXXXXXXX {$1400.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$480.00} Date Opened : XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I had to, unfortunately, settle a deed in lieu of foreclosure with XXXX in XX/XX/XXXX for my home at XXXX, XXXX, Alabama. XXXX accepted the offer of {$12000.00} made by XXXX. At no time while I owned the property was Fay Financial involved in the negotiations. On XX/XX/XXXX the XXXX recorded the deed transfer from myself to XXXX. 

However, in XX/XX/XXXX for the very first time, Fay Financial is appearing on my credit report claiming that I owe them {$180.00}, XXXX. That is clearly a false claim. I have reached out to them many times trying to get them to correct it. The first two times I was able to speak to a representative. The first agent told me she did not understand why Fay Financial would be listed as the owner of the loan. She then started the research process. I was told it would be concluded by XX/XX/XXXX. 

I also inquired with XXXX and received the same response. XXXX has since contacted me with their findings. XXXX 's stance is the property successfully transferred from me to XXXX through the deed in lieu process with no remaining debts. 

At this point, Fay Financial is preventing me from moving forward with the purchase of a new home. Fay Financial and Fay Financial Services is making false claims ; I need Fay Financial to stop procrastinating and correct their error.
Product: Credit card or prepaid card

On XX/XX/XXXX 2017 I became aware that my card number had been used by someone other then me to make reservations and for some XXXX that I never heard of so Immediately I called to lock my account I had just put {$400.00} o the card earlier that day for some things I had planned to get for my children for school. I checked my account before I went to bed like I do every night to discover my balance was lower then excepted I placed a call to american Express Serve. in all I think It was like 12 unauthorized charges to my account. That 's a XXXX dollars that I could n't get back and I need my money. I discovered them on X/XX/2017 XXXX for 11 charges to XXXX and 1 charge to travel reservations. I sold my truck deposited my money on to my serve card the same day.