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

During the bank of America on XXXX, XX/XX/XXXX XXXX and XXXX cash were stolen from the bank counter one after another, with a total of XXXX cash. The bank refused to provide any information that was stolen. I have called the police. The bank has delayed the time until today. I have made several calls and were refused the stolen information and refused to make a claim. I complained to many departments but no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a written request to remove the fraudulent account from XXXX XXXX and XXXX XXXX from my credit report as well as an unauthorized inquiry from XXXX XXXX XXXX XXXX I was told that the results would arrive to my house, however its been months and nothing has arrived. Equifax and XXXX are not removing the items and this is causing me worry because someone has used my personal information for their own benefit. 

Equifax XXXX XXXX XXXX / XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX placed on ( XX/XX/XXXX ) XXXX XXXX XXXX / Acc NumberXXXX
Product: Mortgage

I closed on a refinance XX/XX/XXXX. My loan was funded XX/XX/XXXX and my previous lender, Dovenmuehle Mortgage, was paid off. They were holding an escrow fund of {$4300.00}, which was to be mailed to me within 2 weeks. As of XX/XX/XXXX, I have still not received a check from Dovenmuehle. I have called their desk 4 times and requested them to reissue a check. Each time, they stated the original check was mailed XX/XX/XXXX and that their policy was to wait 30 days from issue to resend the check. Escalating to supervisors did not change their response. 

When I called today, they stated they would send another check with no tracking number. If I did not receive it in 30 days, I could call and have them re-issue a check. When I asked for them to overnight the refund check, they stated it would have to be escalated to another department. I would receive a response with 24-48 hours if they would decide to overnight the check. 

These are all classic stalling techniques. I do not know if Dovenmuehle is a solvent entity since my mortgage was purchased by them without my knowledge or consent. It is unacceptable that they can hold on to {$4300.00}, stone wall me, and refuse to expedite service when they are in the wrong.
Product: Checking or savings account

Opened a 360 Capital One account along with Savings account. Savings account was changed after opening savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a inquiry on my credit report from JPMCB Card in XX/XX/2021. I did not apply for a credit card and I want it removed.
Product: Credit card

I received an email stating that my monthly statement is available, but I never opened an account with them. This email has my name and the last XXXX numbers of the account. I thought it might be phishing, so I went to XXXX and looked them up. I thought there might be a possibility that I didn't remember opening an account, so I tried the forgot password feature. They want card info, which I don't have. I called customer service, but their entire system is automated. That system also wants card info, which I don't have. I need to know if there is an account in my name, but there is no way to contact an actual person. I don't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I was looking on my credit report and I see TransUnion is reporting XXXX XXXXr XXXX charged off account as open when its closed. Second, The balance is {$12000.00} but TransUnion is reporting {$15000.00} on my credit report. TransUnion reporting that on XX/XX/XXXX at the public auction {$8000.00} was paid on this account from {$20000.00} which shouldve brought the balance to {$12000.00}. I included a copy of my credit report that TransUnion mail to me on XX/XX/XXXX which shows a payment of {$8000.00} and a charged off balance of {$20000.00}. TransUnion has been illegally reporting {$15000.00} since XX/XX/XXXX which damaged my credit and had me stressed. That was 1 year of false and illegally reporting that damage my character and reputation. TransUnion is reporting incorrect, inaccurate, inaccurately reporting. 

Please DELETE this account immediately!!! Under the Fair Credit Reporting Act, EVERYTHING IN YOUR REPORT HAS TO BE 100 % ACCURATE and CORRECT OR IT MUST BE DELETED!!
Product: Debt collection

These company is reporting traudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me. 

XXXX. XXXX XXXX XXXX, XXXX - **Reported Balance : ** {$800.00} - **Account Status : ** Collection I have previously contacted you about this issue, and I would like to clarify that this debt does not belong to me. To resolve this matter, I kindly request that you provide me with a copy of the purchase agreement related to this debt. Having this documentation will help clarify the situation and confirm whether there has been a mistake. 

XXXX. XXXX XXXX - **Reported Balance : ** {$0.00} - **Account Status : ** Charge-Off - **Credit Limit : ** {$300.00} - **Date Opened : ** XX/XX/XXXX - **Date Reported : ** XX/XX/XXXX - **Last Payment Date : ** XX/XX/XXXX I also wish to address the charge-off status on this account. I would like to request any available documentation regarding this account, including details of any transactions or agreements that may have led to this charge-off. 

XXXX. **XXXX XXXXXXXX ( Account XXXX ) ** - **Reported Balance : ** {$5000.00} - **Account Status : ** Charge-Off - **Available Credit : ** Not specified - **Account History : ** The balance has fluctuated over the past months, with the most recent reported balance being {$4200.00} as of XX/XX/XXXX. 

I am concerned about the charge-off status on this account as well. Please provide any documentation related to this account, including the original agreement and any payment history. 

XXXX. *XXXX  XXXX ( Account XXXX ) ** - **Reported Balance : ** {$0.00} - **Account Status : ** Pays as Agreed - **Credit Limit : ** {$17000.00} - **Date Opened : ** XX/XX/XXXX - **Date Reported : ** XX/XX/XXXX While this account shows a balance of {$0.00}, I would like to confirm that it is accurately reported as " Pays as Agreed. '' Please provide any documentation regarding this account, including the terms of the agreement and payment history. 

XXXX. XXXX XXXX XXXX ( Account XXXX ) ** - **Reported Balances : ** $ XXXX $ XXXX $ XXXX {$810.00} - **Account Status : ** Collection - **Available Credit : ** Not specified This account is currently reported as in collection status. I would like to request any documentation related to this account, including the original agreement and payment history. It is important for me to verify the accuracy of this entry. 

XXXX. XXXX XXXX XXXX ( Account XXXX ) ** - **Reported Balance : ** {$560.00} - **Account Status : ** Collection - **Available Credit : ** Not specified Similar to the previous LVNV account, I request documentation regarding this account, including any agreements and payment history. Accurate reporting is essential for my credit history. 


Thank you for your attention to these matters. I look forward to your prompt response so we can resolve these
Product: Credit reporting, credit repair services, or other personal consumer reports

i have log into my Experian account and i see that theres a debt collection that i have nothing to do with where the amount is {$1100.00} from a company call ... .... XXXX XXXX XXXX,XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX and it gose back all the way from XX/XX/2012. i told the company i dont have nothing to do with this debt and i aslo send a letter to Experian i dont recognized that debt. So please i would like for this debt collection taken off my credit report.
Product: Debt collection

1. My mortgage is current, as of XX/XX/2019, but the monthly statement still shows that I am one payment behind.

2. Mortgage Amount always is paid on time, but is placed in 'Suspense ' each month.

3. Administrative fees of {$37.00} is charged each month.

4. Can't work to get it resolved as they do not return calls nor do I have a specific department or person assigned to my account.

5. Original records transferred by JP Morgan Chase to former XXXX XXXX XXXX, now XXXX XXXX XXXX ( same company, different name ), contained errors such as the following ... 

5a ) Incorrect property tax owed when it was paid in full, on time.

( Proof was submitted ) 5b ) Incorrect property insurance amount owed when it was fully paid and on time.

( Proof was submitted ) 5c ) Forced Escrow - however the Property Tax was taken out after my first complaint. 
XXXX prepaid the home insurance ; it is now included in the payment amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard Inquires on my credit report, that I did not authorize. Hard Inquires such as XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX. ( XXXX XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) are all unauthorized hard inquiries. Fraud alert has been placed on my report four times. One time in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Identity theft has also played a part in unauthorized inquiries and accounts. Accounts such as XXXX, XXXX and XXXX XXXX is identity theft and should all be taken off my credit report. Letters of the law have been sent to all three bureaus ( Equifax, XXXX and XXXX ). At this time, Iinvalidated information on my credit report to any of the 3 major Credit Bureaus ( Equifax, XXXX or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, reporting false information is a Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the South Carolina Attorney Generals office. Civil and criminal claims will be pursued.
Product: Debt collection

TO WHOM IT  MAY C ONCERN :  American Express pl ace neg. statement on my  XXXX  credit bureau reports that 's not correct. I have communication on making payment on credit card debt, without notice  American Express c losed account and place debt under paid. Account number #  XXXX .     On second account number #  XXXX ,  American Express closed a ccount that was n't late or behind in payment. Ask well place account as neg., and unpaid on  XXXX  bureau reports.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed
to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit, the following accounts have violated my rights. 
XXXX. XXXX XXXX XXXX  ( Partial Account # XXXX ). 
XXXXXXXX XXXX XXXX ( Partial Account # XXXX ). 

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 Section 604 A 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Experian has reported two invalidated accounts on my credit report 1XXXX who is now in Dishonor for refusing validate an alleged debt which has been charged off. XXXX has refused to show proof of original creditor as well as ledgers proving this alleged debt was not funded by my consumer signature and social security number. 

XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXXXXXX XXXX Is in dishonor for refusing to validate or show any lawful contract in obligation to an alleged debt as well as XXXX XXXX XXXX XXXX Having any claim as original creditor by refusing to validate through proof of ledgers and proving consumer borrowed any lawful money and that it was not fraudulently created and funded through consumers social security card and or signature Experian is also publishing false information of addresss and names XXXX XXXX XXXX XXXX XXXX XXXX not even a real person XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXXXXXX XXXX XXXXXXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Requested basic information from XXXX XXXX XXXX Loans, NLMS XXXX, on XX/XX/2018 through XXXX XXXX. XXXX XXXX ran my credit without my authorization. Spoke with other lenders on from XXXX XXXX and they did not run my credit. Spoke with XXXX XXXX on same day and they also agreed that no authorization was given for them to run my credit. XXXX  XXXX parent company XXXX XXXX, out of XXXX, MD, is the company on my report that ran my credit without my written consent or verbal consent. Police report has been filed as well per the request of Transunion. Agent in question is XXXX XXXX. NLMS XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX. XXXX.
Product: Credit card or prepaid card

I had a XXXX XXXX card issued by US Bank to specifically use for XXXX transactions. I had $ XXXX XXXX  dollars ( which is equivalent of $ XXXX ) in my account. The company taking advantage of the XXXX situation closed my account aggressively without my permission. It hasn't also paid my XXXX dollars or its equivalent money in US dollars. When I was trying to use it today, I called the bank and I was told my account has been closed and I have lost my balance XXXX dollars and it can't be reinstated.
Product: Debt collection

I moved locations ( XX/XX/XXXX ) and was in another city away from the gym. I called to close account and they said I could close it with no closing costs because my new moving mileage was outside of the gym location. About a year later on XX/XX/XXXX, was contacted by a third party that I owed debt because collection had been placed. I was never notified of ANY debt owed from company and asked the company on XX/XX/XXXX to send email or mail with details and received nothing. I got a notice on XX/XX/XXXX that they place collection on my credit report. Living roommate texted manager of facility directly on XX/XX/XXXX about the inquiry with XXXX response.
Product: Money transfer, virtual currency, or money service

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.They have payed someone my money that was owed to me from the social security income back pay it was XXXX $ every cent was taken from me and I called them time after time and they said to contact SSI about it and I contact them they tell me to make reports and all that nonsense and to call cashapp back when they are not telling me anything this money was owed to me and I want my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer on multiple instances, I have written several letters to Experian, exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g, I have simply requested original hardcopy documentation, fully and totally verifying that all items being reported on my report belongs to me, who verified these items? What methods were used in verifying these items? Also, where is the physical proof of a contractual obligation with my signature on it? They have failed to provide those documents as well as allowing the items to remain on my credit report after several letters damaging my creditworthiness. The items, therefore, should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). Experian is in violation of the FCRA.

I will upload both dispute letters I sent to Experian, along with the items I disputed.

I'm asking that the CFPB assist me in this matter because Experian has violated my rights to the fullest.
Product: Credit card or prepaid card

Upon checking my Credit reports, it was found that a Discover card was opened in my name. I have filed an identity theft report with the FTC as well contacted the attorney generals office in Louisiana and the XXXX Police Department. I notified Discover of this fraudulent account and they still insist that this account is mine. At the time of account opening, I resided in a foreign country and at no point did open this account. Discover refuses to accept the prima facie facts of this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Walmart is reporting inaccurate information on my XXXX Credit Report. the date of delinquency is not correct and should be removed from my credit report. I contacted XXXX XXXX XXXX and Walmart exercising my rights for Verification of the debt on several occassions. I would like the negative information being reported on my XXXX Credit Report " Deleted ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to Experian, XXXX, and XXXX on XX/XX/2023, with tracking number XXXX. Despite over 30 days passing, I have not received the investigation results from the credit bureaus. This situation is perplexing. As per 15 U.S. Code 1681, if a consumer disputes information accuracy and notifies the agency, the agency must conduct a free reinvestigation within 30 days. This legal requirement has not been met. 

Accounts : - XXXX XXXX, Acc # : XXXX - XXXX XXXX, Acc # : XXXX - XXXX XXXX XXXX, Acc # : XXXX and Acc # : XXXX - XXXX XXXX  XXXX, Acc # : XXXX - XXXX XXXX, Acc # : XXXX - XXXX, Acc # : XXXX - XXXX XXXX, Acc # : XXXX - XXXX XXXX XXXX, Acc # : XXXX and Acc XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX XXXX XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). 
As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. 
It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! 
It is shocking to me that XXXX XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Product: Credit card

I overpaid capital one. So now I have {$2000.00} credit. I called them on XX/XX/XXXX to please send me check. 
On the phone they said, they will process it in XXXX days and will send within 10 days. 
On XX/XX/XXXX I called them again and they said they never proceed my request. And now they said they are not sure if they will send my money and was asking if I can just use my card to cover the balance with my credit. 

Please help me I need my money back