23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Your attention to this complain is very essential and must need investigated and brought to proper authorities for further investigation and possible prosecution. Perhaps to the General Attorney 's office who does handle discrimination cases. 
Initially my complaint filed with your agency complaint # XXXX all the facts was outlined. I also filed with another agency complaining the same time which that agency forwarded to you for further valuation and handling. The second complaint was filed under # XXXX. Today after checking the status in your website the Bank of America closed both complaints without given any explanation other than have the consumer contacting us and a phone number XXXX ( XXXX ) XXXX-XXXX X XXXX All these are calculated plans to avoid and instead come clean. No phones return since I called and called again and again for at least 7 times all during working hours ( Pacific Time ) They need to answer you with valid reasons what are their position not approving my loan application? Bank of America 's action must be investigated you have my full support with hard solid evidence not just allegations. It is crucial these bankers been getting away for so long and is time justice to be served for all. 
Thank you XXXX XXXX, applicant
Product: Debt collection

I was a XX/XX/XXXXcustomer for 11 years and switched phone services to XX/XX/XXXX. XX/XX/2020 I switched providers andXX/XX/XXXX bought the lines over and was taking over contracts from phone and remaining balance. I am not responsible for this account and would like it removed. This is not my responsibility the contract I signed shows it was paid byXX/XX/XXXX 
Not sure how to get this resolved and if I knew this would affect my credit then I would have just stayed with XX/XX/XXXX 
Now I am receiving collections calls from IC systems.
Product: Checking or savings account

I deposited XXXX XXXX XXXX settlement check into my checking account with USAA on the XXXX of XX/XX/2024. Initially everything was smooth, until I withdrew XXXX from a ATM on the XXXX of XXXX. They then deemed my check fraudulent. The fraud department stated my check 's routing number was from XXXX XXXX  and the account number was XXXX. I uploaded the cleared check from XXXX my lawyer gave me and they still have my account frozen. I filed a discrimination complaint internally with the bank and no one has reached out to me. I feel as if I'm being discriminated against for being a minority
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer Service XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Immediate Removal of Fraudulent Account Due to Identity Theft Dear XXXX XXXX Customer Service XXXX XXXX am writing to formally notify you of a fraudulent account opened in my name without my authorization. As a victim of identity theft, my personal information was unlawfully used to create this account. I have never applied for an XXXX XXXX card, and the associated address, phone number, and email are entirely unfamiliar to me. 

I have already submitted the following documentation to support my claim : Federal Trade Commission ( FTC ) Identity Theft Report Copy of my government-issued identification Social Security Number verification Proof of my current address Despite this, I have been informed that payments were made to this fraudulent account. I want to clarify that these payments did not originate from any account I own or authorized. Under applicable law, creditors are required to block all information resulting from identity theft within XXXX business days of notification and are prohibited from transferring debt arising from such fraudulent activity. 

I request the following actions be taken immediately : 1. Removal of all information related to the fraudulent account from your records within XXXX business days, as mandated by law. 
2. Confirmation that no debt associated with this fraudulent account will be transferred or reported under my name.

3. Written acknowledgment of this notification and the actions taken to rectify this situation. 

Please direct all future correspondence regarding this matter to my contact information provided above. I expect prompt action to resolve this issue and protect my credit standing. 

Thank you for your immediate attention to this serious matter. 

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

XXXX XXXX ( XXXX ) ( XXXX ) Contents of complaint : This CFPB complaint has been filed to the request pursuant to FCRA 605B ( 15U.S.C. 1681c-2 ) that you, the credit reporting agency, block any information appearing on my 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 : XXXX XXXX acct # XXXX ; Deptednelnet acct # XXXX ; XXXX XXXX acct # XXXX ; XXXX XXXX acct # XXXX ; XXXX XXXX acct # XXXX ; XXXX XXXX XXXX acct # XXXX and XXXXXXXX XXXX  acct # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX ) 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 card or prepaid card

I tried paying for the credit card bill. According to the company, the payment was returned due to wrong bank routing/account number. They charged me a fee. Suspended/locked the account. I can not make any payment. I contacted the company to unlocked the account. They said they unlocked it and wait for a few days. I waited a week and tried paying again. It says the account is locked and contact customer service. I contacted the service again, they said wait a few more days. I waited and still not unlocked. Now I have a payment due with a suspended account. The company wants me to pay the bill but I can not pay the bill because the account is locked. I contacted the customer service again. Now they don't know what is happening with my account. The problem is, How can I pay the bill if they don't let me pay the bill? At the same time, they want to charge me the late fees and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against XXXX and TransUnion for a serious violation of my consumer rights, specifically regarding the reporting of a missed payment on my consumer report. This violation is in direct contravention of the United States Code, as outlined in 15 USC Section 6804, and has caused significant distress and inconvenience in my life.

According to 15 USC Code 6801, I am entitled to the protection of my non-public personal information. However, XXXX, a financial institution, reported my non-public personal information to TransUnion, a non-affiliated third party, without providing clear and conspicuous disclosure in writing or electronic form that such information would be shared. Furthermore, I did not provide explicit consent for the sharing of my information with TransUnion. 

In XX/XX/XXXX, I filed a complaint to have a late payment, which was reported back in XX/XX/XXXX, corrected to an on-time status. This late payment has had a profound impact on my life, as it adversely affected my credit rating and caused significant stress and inconvenience. 

I demand immediate action to rectify this matter. Specifically, I demand that the late payment status associated with my XXXX loan, account number XXXX, be corrected to reflect that the payment was made on time. Failure to do so will leave me with no choice but to initiate legal proceedings to seek compensation for the damages caused by the clear violation of the United States Code and the negative impact on my creditworthiness. 

It is important to note that I have never signed an SSA-89 form, which would authorize the sharing of my social security number with a non-affiliated third-party financial institution like TransUnion. Therefore, any reporting of my personal information to TransUnion without my explicit consent is a direct violation of my rights. 

I kindly request your intervention and assistance in resolving this matter promptly. I urge you to conduct a thorough investigation into the practices of XXXX and TransUnion, emphasizing the seriousness of this violation and ensuring appropriate actions are taken. 

Please be aware that I have meticulously documented all correspondences, documents, and evidence related to this matter. I am fully prepared to take further legal action to protect my rights and seek appropriate remedies under the law if a satisfactory resolution is not reached promptly. 

I expect your immediate attention and resolution of this issue. Your cooperation in rectifying this violation and ensuring my consumer rights are protected is greatly appreciated. 

Thank you for your prompt action in this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) by reporting unverified and inaccurate information on my credit report. Experian has failed to provide proper verification of the disputed accounts, yet continues to report them, misleading potential creditors and causing significant harm to my financial standing.

Under 15 U.S.C. 1681i ( a ), Experian is required to conduct a reasonable reinvestigation when a consumer disputes inaccurate or unverified information. Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy in reporting. XXXX failure to comply with these legal requirements is a clear violation of my rights as a consumer.
Product: Checking or savings account

In 2010 Bank of America opened illegal account without my consent and has been committing wire fraud and mail fraud relevant to this account for over 12 years now, very similar to the illegal accounts opens by XXXX XXXX that you sued recently.
Product: Debt collection

I fell behind on my loan due to my employer shutting down due to covid XX/XX/2020. I told XXXX that I'm temporarily laid off due to covid and not able to pay on my loan. They never gave me options to help. They keep contacting me telling me i have to pay. Even though i keep telling them im not able to at the moment. So eventually i stopped answering. But they keep calling and harassing me.
Product: Student loan

I paid my student loan on time and regularly. It was with XXXX. Then it was changed to FedLoan. XXXX had taken on payment on the same day every month. FedLoan took XXXX payments about a week apart the first month. The second month it was XXXX spread out over about two weeks.. The XXXX payments were not proportionate to my loans in any way I could figure. When I asked why? The response was " Yes we did take it in XXXX '' debits. Each of them cost me {$35.00} nsf fee. While not an ideal choice, the XXXX way of debiting my account would have cost me only XXXX OD fee. 
I consolidated my loans, hoping they would be assigned to someone else. They were not. I asked that communications be in writing, they responded to " call them. '' When I wanted to catch back up, they demanded that I pay the full amount to bring them current. 
Maybe I would still be in default if they had not treated me this way, I just know that FedLoan tried as hard as they could to make sure I could n't pay them.
Product: Credit reporting or other personal consumer reports

XXXX Phone call from a representative from Waypoint ( XXXX XXXX XXXX  ) who would not provide details as to why they were calling. Said " calls would continue '' if I did not provide details about myself. I asked them to mail all information via USPS and was denied. 
Phone call came in at XXXX XXXX  XXXX on XXXX Phone number : XXXX My credit is frozen. No one should be accessing my credit information. 
I have no outstanding debts or collections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX MNLS Number : XXXX
Product: Money transfer, virtual currency, or money service

Money been taking off my cash app card without my authorization.
Product: Credit reporting or other personal consumer reports

I need to attend the following shown items in this letter which contains data taken directly from my credit report which have been provided Hard inquiries : - ALLIANT CREDIT UNION 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 Please help me to Delete this unconfirmed inquiry lacking certificates evidence unless physically certified verified proctor is demonstrated per U.S CODE 15 U.S.C. 
1681 ET SEQ. Section 604 of Fair Credit Reporting Act I do not recognize approving all these companies to run my credit I only approved my bank XXXX. Could you please help me to clear my history from interned credit checks inquiries.
Product: Credit reporting

On XXXX XXXX, XXXX at approximately XXXX hours, I checked my credit report using Experian because this was the ONLY credit bureau which gave me negative remarks with a credit score of XXXX points. I noticed the address of XXXX XXXX XXXX, XXXX, California was wrong. I disputed through Experian by explaining to the bureau that I have NEVER lived in XXXX, California in my life. I live in XXXX XXXX, California since XXXX. Someone stole my personal information such as my social security number and date of birth to open several credit card accounts since XXXX XXXX. I had to dispute several fraudulent charges to several credit card companies by explaining to these companies that I do NOT live in XXXX, California. I would like Experian to remove this address of XXXX XXXX XXXX, XXXX, CA and restore my excellent credit score of XXXX points which I have maintained XXXX years of my life. I owned a townhouse in XXXX XXXX since XXXX due to my credit score of XXXX points. I just refinanced my house on XXXX XXXX due to my score XXXX points. I paid ALL my bills on time throughout my entire life by working hard. The suspect stole my identity on XXXX XXXX and has ruined my life since then. ALL I want is 100 % closure and Experian to restore my credit score of XXXX points. I sent a XXXX XXXX Police report to Experian by mail on XXXX XXXX, XXXX to verify what I said is 100 % truth. Experian still refused to assist me and refused to restore my credit score of XXXX points. I do NOT live in XXXX, California and will dispute many fraudulent charges against me. Experian has most of my personal documents such as my CA driver license, social security card, DMV bill, property tax bill and a XXXX XXXX Police report to prove my identity. The suspect committed the crime of theft using my identity in southern California by avoiding capture from the law and payments. I ONLY live in XXXX XXXX since XXXX. PLEASE remove XXXX, CA from my credit report since I have been a victim of Identity Theft. And PLEASE contact XXXX XXXX by having XXXX XXXX close my account due to fraud and Identity Theft. And PLEASE help me restore my credit score of XXXX points which I work very hard throughout XXXX years of my life. Thank you.
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: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act, Equifax has violated my rights. 

Equifax is in direct violation of 15 USC 1681. I have the right to accurate information being reported on my consumer report.

Direct violation of 15 USC 1681B- permissible purposes, as I did not give Equifax any written instruction to furnish such inaccurate information Direct violation of 15 USC 1681E ( B ) by failing to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the furnished report relates to please refer to the documents attached to this complaint, stating the facts and information regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student Loan have been TOTALLY DISCHARGED DISABILITY on XXXX XXXX. Each Credit Bureau Experian, XXXX and XXXX have REPEATEDLY ADDED TO MY CONSUMER REPORT. 

This is INTENTIONALLY ABUSE, ANGUISH, HARASSMENT, AND FRAUDULENT ACTIVITY. Induced damage and low Credit Score and denied credit for my BUSINESS AND PERSONAL.

15 U.S. CODE 1692k a ( 2 ) 616. 15 U.S. CODE 1681n ( b ) I have tried to resolve this issue with them on numerous occasions.

NOT CLOSED DELETED!
Product: Debt collection

I received a notice from the XXXX County Courts ( XX/XX/XXXX ) that there was a judgement issued against me from the State of Ohio Department of Taxation for the amount of {$3400.00}. 

This is a complaint against Mann & Carducci CO. , LPA XXXX XXXX XXXX, XXXX XXXX A XXXX, OH XXXX XXXX. I was unaware that this debt was owed. 
2. I contacted The State of Ohio Department of Taxation to ask what the debt was from, year? type of tax? etc. They did not answer my question, however referred me to the Attorney General 's office.

3. I contacted the Attorney General 's office with the same questions and received no response.

4. I called Mann & Carducci Co. and the person who I was supposed to speak with regarding this debt ( XXXX XXXX ) was unavailable for an extended period of time. I called the number that was left on XXXX XXXX ' voicemail. Called several times, left several voice mails, and received zero response. 

At this time I thought it was wise to at least send in the proper paper and small payment to stop wage garnishments. According the the judgement paperwork I had two weeks to submit this paperwork. The due date would have been XXXX XX/XX/XXXX of XXXX. 

I sent in my signed paperwork, check for {$150.00}, and two stubs on XX/XX/XXXX. 

I received back my signed paperwork, check for {$150.00} and two stubs with a note written on a post it note saying that they could not accept it because this information was due in XXXX. Please again be advised that the court documents state XXXX. 

I am now WRONGFULLY getting my wages garnished of {$370.00} per pay period. I sent in the correct paperwork within the given time and I want the garnishment to stop ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

The website XXXX is stating that I received my credit reports which is fraudulant due to the inoperable website. There is no way to contact the website owners to get my reports. The website simply times out with gateway errors and I can not see my reports.
Product: Checking or savings account

My company 's payroll department has sent my direct deposit to Capital One on Tuesday I should have received on Thursday it is now Saturday Capital One says they don't know when it will be deposited. It's not even showing pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.