23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX 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 ( Original Creditor : XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year> 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

i tried reaching out to this bureau several times about accounts that do not belong to me! this information is fraudulent and i want it removed from my credit report.
Product: Checking or savings account

Account has been open since XXXX XXXX XXXX.
My boss made a payroll deposit XXXX XXXX XXXX by BANK TRANSFER. This procedure took 3 business days, so we tried to do a PICTURE UPLOAD of his check the NEXT pay period.
This took place XXXX XXXX XXXX  and the funds were transferred OUT of his account that very night., and made available to me the next day.
This only lasted a few hours, because they FROZE my account for suspected FRAUD!
I did speak to a security team member who told me they were automatically closing my account and they would send me a check for my funds in 5 -10 business days.
Being a credit card customer for years did n't make a bit of difference, even after I tried to explain the deposits and offered verification for this.
After useless follow up calls and faxes, it is now 2 full weeks later, and they have not fully closed my account OR sent me a check with MY MONEY.
After each call, all they tell me to do is leave a message with the team ( intake only ) and they will call me back ... well I DO, but they DO N'T.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Listed 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting an incorrectly that I am 60 days past due on the XXXX XXXX partial account number XXXX. ( Please see page 14 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
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. ( 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. 
I want the CFPB to publish
Product: Credit reporting or other personal consumer reports

Credit inquiries that i did not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was disputing US 15 1666. I asked for documents stating that XXXX XXXX mailed the due dates to me 21 days before each due date of XXXX XXXX and XXXX. I was not disputing that I didn't pay the bill on time or didn't pay. I'm disputing that XXXX XXXX violated US 15 1666 by not mailing each due date to me 21 days before each due date of months XXXX XXXX and XXXX. I ask you to re investigate this and if not updated on XXXX, XXXX and Experian to paid on time months of XXXX XXXX and XXXX I would like a copy of the statements proofing that I was mailed a statement 21 days before the due dates of months XXXX XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Investigation and Validation of Account - XXXX XXXX XXXX, Account # XXXX To Whom It May Concern : I am writing to formally dispute the presence of the Credit First NA account, Account # XXXX, on my Experian credit report. I have supporting evidence from XXXX, which conducted an investigation on my credit report on XX/XX/year>, leading to the deletion of this account from their records. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a thorough investigation of any disputed items on a credit report and verify their accuracy. 
As per FCRA 611 ( 15 U.S.C. 1681i ), I am requesting the following documentation and verification to establish that this account rightfully belongs to me : 1. Original Account Documentation Any original signed contracts or agreements associated with this account.

2. Verification of Debt Documents establishing that the account was opened in my name and with my authorization.

3. Payment History and Statements A record of all transactions and payments made under this account number.

4. Chain of Custody for Reporting Proof that this account and its details were reported accurately to Experian by XXXX XXXX XXXX or any subsequent data furnishers. 
Please note that if, after your investigation, no conclusive and validated evidence is provided to support the claim that this account is mine, I am formally requesting that this account be permanently removed from my credit report
Product: Credit reporting

New billing date and amount.My report should not read late nor past do.New terms, payment due ... XXXX, {$230.00} for 6 months .... Please update report.
Product: Vehicle loan or lease

Institution Name : Axos Bank Account/Product Type : Auto Loan Account Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Country : United States Email Address : XXXX Phone Number : XXXX I have not been able to log in to their website to review my account information for almost two weeks. I can not review account information or make principal payments. 

This is not a user problem, I am a XXXX XXXX of over 20 years and have tried multiple XXXX XXXX XXXX XXXX. The system says it has to send an email confirmation, and it doesn't work. I have checked my mail server logs, there is no email sent from Axos bank. Even if it did work, the field where you would enter a code does not accept keyboard input. 

Their customer service had me on hold for an hour, and when they finally returned, not even they could get into my account to retrieve information. 

I can not make additional payments or review my account information for interest charges. They can't even access this information themselves. 

Their customer support email is a series of canned responses and complete indifference, " looking forward to serving me with superior products '' that don't even work.
Product: Credit reporting or other personal consumer reports

I disputed a collection on my experian, XXXX, andXX/XX/XXXX accounts with documentation proving that the collection was the incorrect amount. The leasing company charged me for extra months of rent beyond my stay and beyond the date shown on the leasing agreement. I provided documents of the lease with its end date, the extra months of rent that I was charged for on their billing app, and my new lease that I was in with a different company for the months that I was being charged by my old landlord.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use to have a joint account thru XXXX  in Colorado back in 2017 and I closed at least my side of the account. I lost all contact with my ex partner and I didn't receive any notices from the bank. I never got any reports or notices that I can recall but I also thought that because I closed my account side I owed anything at all. The bank doesn't have my information and I don't have access to any accounts since 2017 but suddenly in my credit statements I've seen that the account I thought closed had pick up some kind of interest and it's been negatively impacting my credit ever since 2017 while it appears to me as no debt collection active and nothing owed both thru TransUnion or XXXX. If I would have been aware of all this behind the scenes I would have taken proper action but now the amount owed is high and all the work I've put into having a good credit score seems to be null.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, my bank account was compromised. Three unauthorized payments of {$380.00}, {$320.00}, {$300.00} totaling {$1000.00} were sent using XXXX transfer without my consent before midnight to a person that I do not know named XXXX. While the payments were in processing I tried to call Bank of America 's fraud department to stop the payments but the department was closed and I had to wait the next day which is XX/XX/XXXX. I called the next day and they said that the transactions were completed and could not be reversed. I opened a dispute for the fraud claim for these unauthorized payments. The claim number ID number is XXXX. Bank of America also closed/froze my current bank account and then I had opened a new account with them. I waited 10 business days for the fraud investigation and they denied my dispute saying that the payment was authorized but I did not authorize these payments and am a victim of fraud. 
I have been a customer with Bank of America for 10 years and have never encountered this type of incident before and they could not even offer any protection. I have asked to have my dispute reopened and I am providing a police report to help back up my claim. I am not sure what are the next steps of action to take in order to get the money back especially during this time of hardship during the coronavirus I can't afford to lose this amount of money.
Product: Debt collection

I received a derogatory mark on my credit report from Prince Parker and Associate. Theyre saying I owe XXXX XXXX XXXX XXXX XXXX {$1100.00}. This is not true, I was switched to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. Ive tried several attempts to resolve this issue and nothing has been done about it.
Product: Debt collection

XXXX XXXX XXXX XXXX filed XXXX XXXX XXXX filed XXXX XXXX XXXX XXXX XXXX  Assignment mortgage blank endorsement foreclosure house and land theft discrimination. XXXX XXXX denied affirmative action, discrimination filed law suit. Pretended mediation between attorneys XX/XX/XXXX. Pretended judgement XX/XX/XXXX. Pretended bidder by attorney XXXX XXXX. XXXX XXXX Pretended hearing XX/XX/XXXX. XXXX XXXX XXXX XXXX Pretended bidder motion by XXXX XXXX motion to disburse with mediation to foreclose. No appearance in case. Filed Under name XXXX XXXX XXXX. Pretended bidder agent case XXXX bidder, pretended foreclosure sale attorney XXXX XXXX XXXX XXXX issued a certificate of title, on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX judgement of foreclosure {$100000.00}, {$8900.00}, {$2900.00}, {$76.00}, {$89.00}, {$160.00}, {$1700.00} XXXX XXXX XXXX$110000.00} issued by XXXX XXXX XXXX certificate title, by deputy XXXX XXXX XXXX pretended sale price, bidder {$130000.00}. Clerk Issued to attorney XXXX XXXX XXXX fake address XXXX XXXX XXXX XXXX Florida XXXX and sent copy to XXXX XXXX property XXXX XXXX and XXXX XXXX XXXX. Issued certificate of sale, and XXXX XXXX deputy of clerk Issued certificate of disbursement XXXX XX/XX/XXXX. Fake sheriff invaded home with attorney XXXX XXXX XXXX XXXX. XXXX Foreclosure document dated XX/XX/XXXX. Government entity XXXX XXXX XXXX and XXXX XXXX XXXX XXXX wrongful changed all locks on doors and invaded the house data and personal data. Forced owner out of the home, XXXX XXXX out of her home, life possessions taken by XXXX XXXX XXXX address taken through case no XXXX XXXX possessions of the home. Date XX/XX/XXXX. Covered tag, XXXX XXXXXXXX XXXX. Invaded house as XXXX XXXX Pretended to sale home through the courts XXXX XXXXXXXX XXXX and XXXX XXXX pretended buyer XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Remain in possession of home with contents. Then they renovated home. To resale again different name to create a chain of title on private personal properties dated first listed date. XX/XX/XXXX. : XXXX  assignment mortgage XXXX XXXX property XXXX clerk changed and conveyed property name to XXXX XXXX. list public records of XXXX used property id to change name from XXXX XXXX. Property descriptions was wrongfully used to created fraud XXXX  assignment mortgage by blank endorsement. 
XXXX XXXX XXXX  XXXX  roof damage from hurricane XXXX. Case claim of case XXXX XXXX of XX/XX/XXXX. Filed by attorney XX/XX/XXXX. Dismissed XX/XX/XXXX. Prior to the filings of XXXX XXXX XXXX filed XX/XX/XXXX. Retaliation by government entities.
Product: Debt collection

This letter represents my earnest attempt to address and correct the inaccurate information that has been published in my credit report by your company. The recent denial of credit, which can be attributed to the dissemination of erroneous details, prompts me to formally convey that I did not authorize or provide instructions for the inclusion of these specific transactions in my consumer report. 

I am hereby formally requesting the blocking and deletion of these accounts from my credit report. It is imperative to emphasize that this request is not made in error and is not based on any material misrepresentation regarding the necessity to block these transactions.
Product: Credit reporting or other personal consumer reports

on XX/XX/24 a letter was sent to transunion advising there was incorrect personal information reporting to my credit and they have yet to respond and correct the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I had tried setting up Auto-pay for our mortgage account ( Loan # XXXX ) back in XX/XX/XXXX with our lender XXXX XXXX shortly after we came out of our forbearance period. 

Unfortunately, the auto-pay request never fully finalized through their portal, and the lender did not automatically draft XXXX 's mortgage payment. 

Our payment ( XXXX ) were never drafted automatically which I was not aware of, and I am now told XXXX XXXX reported a 30 day late payment for the month of XXXX to the credit bureau 's without notifying us by phone, e-mail, or mail in advance. The lender sent a notice, but the mailing notice had two addresses listed ( my old address in XXXX XXXX and my current address in XXXX XXXX  ), which would not have been properly delivered by USPS. I spoke with a representative from XXXX XXXX  who also confirmed via telephone that the mailing address on the notice was incorrectly labeled and would not have been delivered properly therefore in which we were not notified our account was past due. I only realized our account was past due when I received XXXX 's statement in the mail and I noticed our balance had a carry over from the month before. 

I would like to officially dispute and reverse the 30 day delinquent reporting for the month of XXXX on this account. We've never been late with making a payment to XXXX XXXX since we've owned the property in XXXX, and this is XXXX of  XXXX other loans we currently have where we have never been late or missed a payment with any of our lenders. 

Please let me know what we can do to resolve this matter so our credit is not negatively impacted. 

I appreciate your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

Starting around XX/XX/year> I noticed a text alert Id missed on XX/XX/year> asking if I had made a purchase around XXXX, I replied no and then called BJ 's Capital One and was redirected to their fraud dept. I must have spoke to a half a dozen people to try to get the matter resolved. They kept saying they couldn't tell me anything, or even close my account because I had to prove identity. I tried to send pictures on the link they sent to my phone over and over again but they kept saying it was blurry, I tried the email link they sent but it would not work, said something about files being to big which I cant understand because it was just a picture of my photo ID. I mailed a copy of my license front and back with case number, DOB, address, phone number... everything they asked. they said they received it on XX/XX/year> but it was unacceptable, when I asked why they said it was blurry! It wasn't and I have a copy to prove it. So I sent another but this time had it printed 2x larger at a printing company and included all the information again including a copy of my BJ 's Capital One bill ending in XXXX to show its my bill and I have been paying. I called today and they said the finally received it but its unacceptable but they cant tell me why. They cant tell me anything. I've called about XXXX times and have to explain it over and over to a new person each time, these people can barely speak XXXX to boot and I feel uncomfortable giving them my information as it is. It feels like some kind of scam! I just read a blog saying that others had similar situations having to keep sending proofs but weren't accepted. One said that they do it because they really don't want to give that person a card. Well I had asked if I could just close the account but they said no. If they really don't want me then they should just be honest instead of causing me duress and anxiety, unnecessary trips, postage, time etc. they say they cant tell me anything, close my account but they keep taking my payments and just gave me a higher credit limit! in the meantime my card is in limbo.
Product: Credit reporting

TransUnion is showing an account that was settled in full as a charge off. This is impacting my ability to get a mortgage. This originally showed on all the credit bureaus but they made the change after the first request with supporting documentation. TransUnion has been contacted three times via XXXX XXXX, with no changes.
Product: Vehicle loan or lease

I leased a XXXX ( XXXX ) from XXXX XXXX XXXX in XX/XX/year>. The Toyota Financial Services account was setup and there was absolutely no problems accessing the account. 

I leased another XXXX ( XXXX ) for my daughter from XXXX XXXX XXXX in XX/XX/year>. When the first maintenance email arrived in my inbox I informed my daughter who took the car in for maintenance. During the maintenance she asked the dealer to change the configuration to allow her to receive the maintenance emails. The representative told my daughter they had " fixed '' the account to email her. The TFS account has NOT been accessible from this point on due to a change in the profile email. 

I've literally spent hours on the phone attempting to get through the phone tree to get a live person because NONE of the options address anything like this issue. I have gotten through occasionally but every time the representative reports they are UNABLE to resolve the issue. One representative informed me the dealer made the change which is why they cant correct it. The representatives all have told me they would send the issue to the correct department to resolve it but as of today I have NEVER received a call or email attempting to resolve the issue and I still cant logon to my account. 

My account with Toyota Financial Services is NOT accessible to me or anyone I know due to the message " the email associated with your XXXX XXXX Profile is : XXXX '' Please understand this email address above is in NO WAY associated with ANYONE I know! This email is attached to my account which gives access to my account information to someone I do NOT know and prevents me from accessing the account.
Product: Debt collection

On XX/XX/2023 National Service Bureau called and left a voicemail on a relatives phone going into detail about a debt they were attempting to collect.
Product: Debt collection

I received two separate billing statements, one week apart. First statement was for a home improvement loan for {$50000.00}. Statements included a signature form to authorize them to setup automated clearing house withdrawals after completing the required banking information. I contacted them numerous times to straighten the matter out but they refused to discuss the matter unless I provided additional very detailed personal information, i.e. DOB, SSN, etc. 
Coincidentally, my husband received a similar statement from the same company indicating he had also taken out a home improvement loan for the sum of {$43000.00}. 
Neither I nor my husband have applied, received or requested a home improvement loan from anybody. 
The name on the statement is my former name from a previous marriage. 
This is a scam!
Product: Credit reporting, credit repair services, or other personal consumer reports

Helbing Law Group failed to provide a full refund as they said in the previous complaint XXXX.