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

I closed my Bank of America checking account on XX/XX/year>. On XX/XX/year>, XXXX XXXX refunded me {$500.00} to my BOA checking account that was closed. BOA is saying they've never received the funds because my account was closed and sent back to XXXX, and XXXX XXXX is saying that the funds were " accepted '' from the bank. I've spoken with both parties for the past 2 months and requested emails and documents on this manner. 

I am also having the same issue with BOA and XXXX XXXX with the same timeframe. XXXX XXXX refunded me {$53.00} to my same BOA checking account that was closed. I have emails from XXXX XXXX on XX/XX/year> stating they have not received any funds back from BOA. BOA is stating they returned the money back to XXXX XXXX. 

I have XXXX airlines stating to me that they have not received back money from Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert on my credit report provided by XXXXXXXX XXXX  I found that an unpaid debt was recorded in my name for an account with XXXX XXXX. It was for approximately {$240.00} XXXX I don't recall the exact amount ). I did not have an account with XXXX XXXX, and do not believe I ever have. First, I filed a dispute with XXXX on XXXX XXXX, Case number : XXXX, then I followed up with a call to XXXX on XX/XX/XXXX where I spoke with a representative named XXXX. She informed me that they did indeed have a record of an account opened using my Social Security number. XXXX had already turned over this account to a debt collection agency called Sequium Asset Solutions , LLC. XXXX then transferred my call over to Sequium where I spoke with a representative named XXXX XXXX. He asked me about an address used on the XXXX account in question. It was an address where I had lived almost 20 years ago. Mr. XXXX told me the XXXX account in question had been opened just last XXXX, XXXX. He also asked me about an email address listed for that account that was not my own. Mr. XXXX then told me that he would report this account to XXXX XXXX as fraudulent and that XXXX would conduct an investigation. He noted my true email address and said that I would be contact for updates of my claim status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX  XX/XX/2020
Product: Mortgage

I applied for a modification and was recently denied due to Nationstar mortgage is using debts that I do n't have against me. I asked about the denial and they informed me that I do n't make enough money versus the debt I have, when I asked them to breakdown my debts one of the Representatives stated that since you did n't provide a detailed breakdown of expenses we will generate our own expenses. I stated that I did so and it was already confirmed received and the gentlemen stated on XX/XX/2016 well it does n't matter because we generate our own even if you did It 's up to the underwriter 's discretion. That makes absolutely no sense so I called back and spoke to XXXX at XXXX and was again informed that I was declined due to income versus expenses. She was a lot nicer and provided more information. I was told that Nationstar 's underwriter stated that my water and sewer bill was {$450.00} a month when she sees that the financial breakdown of my expenses says {$65.00} and something called other for {$1500.00}, I asked what that other was for and she said no one knows but the underwriter and because they said other is {$1500.00} and water & sewer is {$450.00} then it stands. 
I am so appalled that a financial institution that has received bailout money to help me with a Government modification can disregard facts and make-up debts to decline homeowners. I am not going to allow Nationstar to make me a victim and let me lose my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a compalint with you regarding XXXX XXXX XXXX ( XXXX ). 
XXXX 's response : Company 's Response In their complaint, XXXX XXXX XXXX states his credit report reflects an account with Kia Finance America ( KFA ), but he has never had and account with KFA. XXXX XXXX requests the account be removed from his credit report. While KFA is sensitive to the concerns of XXXX XXXX, it appears there may be some confusion as to KFA reporting an account to the credit bureaus under XXXX XXXX name. KFA has no record of XXXX XXXX having an account with KFA nor was KFA able to verify with XXXX, XXXX or XXXX that they are reporting a KFA account under XXXX XXXX name. Should XXXX XXXX have a copy of the actual credit report showing the KFA account, he may provide it to KFA who will reopen the investigation. XXXX XXXX XXXX submit a copy of the credit report through the CFPB XXXX or he can mail a copy to KFA at : KFA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

I have attached a copy of my credit report which clearly shows the account is reporting. I have been dealing with this issue for two years and keep getting the runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear cfbp team, I got scammed and someone took {$17000.00} from my bank account via ACH transfer from my chase business bank account. When I take a look at my bank account the amount disappeared from my bank account. I have been open a dispute with my bank account they said it's gon na take 15 days to investigate. Its been more than 15 days and did not hear from them, but I call them to check the status of my dispute and they said that their investigation rejected the dispute. However, now my account is overdraft {$2100.00} and want my money back so I can utilize my money. 
However, I save my money for my son to go to school. Now, this happens and my business chase bank denied the dispute. I want cfpb team to review my case and take action to get my money back. I am really depressed and do not know what to do. I am XXXX XXXX XXXX. 
Business name : XXXX XXXXXXXX XXXX account number : XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit report agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my credit report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.
Product: Credit reporting or other personal consumer reports

XXXX XXXX put a credit request ( inquiry ) on my credit report on XXXX. I was in XXXX  during this time. I will upload the documents showing l was in XXXX. 
Please have them to remove the inquiry asap.
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information on my credit report. The investigation did not fix errors on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I opened a new credit card with American Express and as always I set up automatic payments through their automatic system right away. Two month later without having a single alert or notice, I discover that they destroyed my credit history reporting two late payments. My credit score went from good to fair and I cant apply for any more credit! I already spoke with them and told them that I set up automatic payment which didnt go through. Also I moved to the new address from XXXX XXXX to XXXX XXXX XXXX, XXXX and didnt receive a single bill that my account is overdue to my new address. My understanding was that XXXX setup automatic payments but their automatic system fails on purpose so they can collect their fees. 

Please help me. They destroyed my credit history while it was their fault because they had problem with the automatic payments system. I spoke with their representative and she said that it happens to other customers! I dont trust this company any more when they do such unethical practices - not only stealing millions of dollars but destroying credit history which causes hardship for families. This was such a mistake opening account with them. Wish I never dont this. Also they promised me XXXX apr for a year ( that was the reason I signed up ) but then they charging me 28.24 % Please publish my report so it is visible for all the people to read! 

Thank you so much! 
XXXX XXXX Amex account number ending : XXXX My cell : XXXX
Product: Debt collection

I recently received a copy of my credit report. I have contacted Equifax a number of times concerning this issue and have failed to get it resolved, I am concernec about the accuracy of the information being reported. And a number of violations under the Fair Credit Act against my credit profile.

MY INFORMATION WAS EXPOSE IN THE EQUIFAX DATA BREACH, And I believe that EQUIFAX has made errors in reporting inaccurate accounts on my profile and In accordance with the fair credit Reporting act EQUIFAX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : |t also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 15 USC 1 681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 U.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to persons of information reported about persons to third parties. 15 USC 1681s-2 15 USC 1681i ( 5 ) 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c- 2 ( a ). '' To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of my report, Please investigate the following accounts as I don't believe the information to be accurate. XXXX XXXX XXXX XXXX XXXX XXXX I noticed you are reporting multiple 60 day late payments on my credit history. I don't believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove this account. Unverified inaccurate public records BANKRUPTCY XXXX XXXX. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation.
Product: Credit card

Capital one XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX. My account ( Account # XXXX ) was reported 30 days late in XX/XX/XXXX however, I had credit protection and I had made a claim as i was not working. When I called customer service I was told that my report would be updated but it was never updated to remove the late status. I then requested the account be removed as I have no balance and therefore there is no need to remain on my report. On XX/XX/XXXX I again made the same request and as of today I have not gotten a response nor a removal.
Product: Checking or savings account

Fulton Bank indicating that because the fraudulent check was cleared on XX/XX/XXXX yet not reported until XX/XX/XXXX, the Bank is not responsible for reimbursement DESPITE the fact that the account was frozen ( in connection with a 2nd fraudulent check incident ) in XXXX and such that I no longer had access to the account. Despite requesting access to the account I was only able to view other checks after reopening the account and now discovering the additional fraudulent check
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash Ap

p ( 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. Thes
e actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account .This account is hurting my ability to obtain credit. Its my understanding that TransUnion will investigate this account for me to ensure accuracy. Here Is the account I am asking you to verify as accurate : account name : XXXX  XXXX : account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ive recently checked my report and notice a few inquiries that was not made/authorize by me XXXX is tarnishing my reprot and I will like these inquiries to be removed asap. 
XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021
Product: Credit reporting

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. Since it has gone well past the 30 day time frame and the company can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to, " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you
Product: Credit card or prepaid card

Problem concerns a new card which was used for the first time today, XX/XX/2021. I received a text from Citi concerning possible fraud on the card. I responded initially and needed to get some information from my wife to see if charge was legitimate which it was. I called back a second time to release the hold from the card and was unable to do so. I requested to have the card terminated and was told I could not do so. I would appreciate some help in doing so.
Product: Debt collection

I have sent multiple requests for verification that I owe this debt to this company countless times and have received no response. They are continuously charging interest on a supposed rental collection, the total balance is perpetually rising and increasing to an astronomical amount. I have asked for proof of their right to even charge me interest for this type of account, still did not receive any response. I do not owe anything that matches this balance whatsoever.

The bureaus seem to allow them to keep getting away with charging me a balance that I do not owe, and giving them permission to increase the balance perpetually, due to unknown reasons. How can a rental lease collection account charge perpetual interest if the alleged original account already charged off the debt. This is illegal. I have lost everything due to Covid-19 back in 2022, I have also mentioned this to this company, still no response or regard to my situation or request for information. 

I will never be able to afford this account even if I did claim this as a valid debt. It is literally ruining my life. I can't even get a car for transportation to get to work, or rent anywhere to stay, and the balance just keeps getting higher and higher. It was around {$8700.00} at first, now it's around {$9500.00}. Seriously, can you guys please consider deleting this account from my report as a courtesy of goodwill due to it affecting someone's quality of life significantly and their inability to recover due to this being a monolithic obstacle to achieving financial stability? According to the CFPB 's own words, and I quote. 

" A debt collector may not collect any interest or fee not authorized by the agreement or by law.

The interest rate or fees charged on your debt may be increased if your original loan or credit agreement permits it and no law prohibits the increase, or if state law expressly permits the interest or fee. '' Sources : Can a debt collector increase the interest rate on a debt I owe?. Consumer Financial Protection Bureau. ( XXXX XXXX XXXX XXXX XXXX XXXX  Collecting Interest on Charged Off Debts and How Debt XXXX Must Disclose the Accrual of Interest to the Debtor '' Collecting interest on charged off debts and how debt XXXX must CFPB. ( XXXX XXXX XXXX XXXX XXXX  I understand you bought this account for pennies on the dollar, but I will not be able to pay any of it, neither do I claim this debt or balance as valid. I am virtually homeless, and have a XXXX, and I need my credit to obtain resources to help me recoup. If you can provide validation and your permission that this debt is valid and you are allowed to collect this debt, I will then consider trying to pay at most {$75.00}, that's all I can afford seriously. If you can not provide the proof please remove this account. 

This account is affecting my life so much, I have no other option but to continuously pursue fighting this debt. So if you want to keep the account on my report thinking I will pay something, I can not. I will keep disputing it, and take any actions necessary due to my conviction that this account is not valid, and that I do not owe this balance. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting a reinvestigation of the following items on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Nature of Complaint Product/Service : Consumer loan tied to mobile device promotion Issue Type : Problems with costs/charges/fees Problems when managing loan Marketing or advertising issues Elder financial exploitation Detailed Description On XX/XX/XXXX, XXXX XXXX promoted a " FREE XXXX XXXX '' requiring financing through Citizens Pay. Key violations : 1. Deceptive Promotion At checkout, XXXX displayed " $ XXXX for 24 months '' without disclosing consumer payment obligations to Citizens Pay. Total required payments ( {$830.00} ) exceed device MSRP ( {$820.00} ). XXXX. Elder Exploitation Victim : XXXX XXXX ( XXXX Arizona resident with XXXX  XXXX ). XXXX repeatedly contacted XXXX XXXX despite written directives to communicate only with XXXX holder. Harassment caused emotional distress and confusion. 3. Regulatory Violations CFPB Regulation Z ( XXXX XXXX XXXX ) : Failed to disclose credit terms. 1. Terms requiring payment by XXXX were not outlined during the purchase/order process XXXX XXXX ( XXXX XXXX XXXX XXXX : Unfair/deceptive acts affecting vulnerable adult. Attempts to Resolve XX/XX/XXXX : Initial complaint to XXXX XXXX XXXX  ( no resolution ) XX/XX/XXXX : Final demand letter sent ( no response in XXXX business days ) Desired Resolution XXXX. Full refund of {$900.00} paid for device XXXX. Civil penalties per Arizona XXXX XXXX ( treble damages for elder exploitation ) Supporting Documents ( Attach PDFs ) XXXX. Order confirmation showing " $ XXXX '' claim CC : Arizona Attorney General ( elder abuse unit ), FTC, FCC This format aligns with recent CFPB actions against XXXX ( XXXX ) and XXXX ( XXXX ) for similar hidden financing terms. The explicit elder abuse allegations should trigger mandatory review under the CFPB 's Office for Older Americans protocols. Keep copies of all submissions and track your complaint number for future reference. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Citizens Pay Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social Security Number XXXXXXXX XXXX XXXXXXXX Case number XXXX Date XX/XX/2023 To Whom It May Concern I have Disputed with you and response you verified the item as accurate stating that you have verified the information with the courts, and their response is enclosed. It is clear they do not report to you or any credit Bureaus for that matter, therefore your initial response verifying the item with the courts was either an error or a lie either way the reporting requirements do not comply with the F.C.R.A 611 ( 15 U.S.C. 1681I ) and the information must be deleted Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 
Please reply within 15 days or delete the negative items, as originally requested. 
Below are the items that do not belong to me that you continue to report erroneously. 

1. FEB DESTINY/GF, Chargeoff, Account # XXXX Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. 
Thank you,