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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Payday loan, title loan, or personal loan

The XXXX XXXX XXXX loan/ account was opened in XXXX of XXXX and set up on auto-pay. Payments have been withdrawn from my account every month in accordance with the schedule they established. I recently noticed that they reported a delinquency as of XX/XX/XXXX, yet the account is showing as " current '' in the portal, and all payments have been made on time. I called the customer care department and they confirmed " nothing was wrong with the account '' as all payments had been made on time. They're not sure why it's reporting the way it is, and I'm not sure how to move forward at this point because the issue tanked my credit score by over 50 points. Please help!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies unfairly and illegally place incorrect items below on my credit report. 
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 filing a complaint against XX/XX/XXXXfor failure to properly remove items off of my credit report for years. They were supposed to help but only collected payment without delovering on the services agreed upon.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern : In XX/XX/XXXX, {$600.00} was taken out of my checking account via Cash app by an unknown person ( fraud ) and made it look like I sent the {$600.00}. I filed a complaint with both Cash app and XXXX  XXXX XXXX. 

I was told via email by Cash app ( XX/XX/XXXX ) they would not be able to refund me the {$600.00} because the unknown person ( fraud ) had deposited the money into their account. 

I was told by XXXX  XXXX XXXX ( XX/XX/XXXX ) they would not be able to refund me the {$600.00} because Cash app provided information stating I use Cash app frequently. 

I know for a fact I did not send {$600.00} to the unknown person ( fraud ) and I do not know the unknown person ( fraud ). 

I want my stolen {$600.00} back in my account because it was fraud, someone did hack into my Cash app account, and I did not send the unknown person {$600.00}.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment 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 XXXXXX/XX/year>
Product: Mortgage

Lien Removal not recorded after refinance. My parents refinanced our house over 10 yea
rs ago from XXXX XXXX XXXX  to XXXX XXXX, and the balance from XXXX XXXX XXXX  was paid off as part of the refinance. However, XXXX XXXX never removed the lien with the county. So when my parents deeded the house to me and I tried to sell it, the escrow company is withholding the proceeds due to this unrecorded paid-off lien.

I contacted WSFS Bank who acquired XXXX XXXX XXXX  over the phone multiple times and faxed the documentation on XX/XX/2020. Their response has consistently been that they don't even have this loan on their system and they needed to research it more. And since this loan was not on their system, they could not issue a " case number '' to keep track of this inquiry. So every time we contact them, they have to restart and " look into it '' again and again. 

My complaint is that this lender ( XXXX XXXX XXXX, and successor, WSFS Bank ) failed to record the lien removal for over 10 years and is causing lost of income/interest from the proceeds from  the sale of the house ( sold in XX/XX/2020 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. BANK OF AMERICA account are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( BK OF AMER XXXX, BK OF AMER XXXX )
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), The credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

It also states a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Checking or savings account

Bank of America stated that I had opened an account in XXXX I never did I was homeless in XXXX with no income. I just started receiving income via Social Security XXXX. In XXXX my account was compromised and now my balance is negative {$290.00} because they did a reversal credit stating that I was the one that made those transactions. Then XX/XX/XXXX I received an alert that XXXX XXXX had taken {$15.00} from my account I don't even have a XXXX XXXX account. The card that was used to take the money out of my account was the old debit card ending in XXXX that card was compromised and they issued me another card but yet they still are blaming me. Someone withdrew money from an ATM or somewhere and they're saying that I did it. I'm on a fix and come and prior to them meaning Bank of America I had XXXX XXXX I did not have Bank of America. I also had XXXX XXXX  and XXXX XXXX prior to XXXX XXXX. The people in the fraud department did not do no investigation. I had to get new health insurance I had to get a new phone I had to get a new email address and all because my account was compromised via XXXX XXXX and now it's happened again and Bank of America are accusing me. The guy that I spoke with at the fraud department stated it was denied and the credits were reversed because they said the card was in my possession but the card was not in my possession I clearly spoke to the representative and told them that and she was supposed to reopen the case she never did it's lie after lie after lie and I'm sick of it. XXXX XXXX did indeed refund me back my money. They apologize because they realize it was fraud.
Product: Credit reporting or other personal consumer reports

I have sent a dispute package to the credit bureau where the account is listed and XXXX has refused to remove the account from my report. I sent multiple pieces of evidence in support that the account was not created by me and XXXX refuses to take action. Additionally, I have called the XXXX " customer support '' team multiple times and they are incredibly unhelpful. I would not consider them " support '' as they have not supported me whatsoever.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORtT NUMBERXXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a call from a collection agency ( " XXXX XXXX '' ) about a delinquent XXXX cell phone company account that I knew nothing about. The collection agency possessed sensitive personal information about me that I had never provided to their client, i.e., XXXX. I immediately started working to report and resolve this identity theft issue. Related to this effort, I obtained an Equifax Credit Report for myself ( XXXX XXXX XXXX ) dated XX/XX/XXXX, and confirmation # XXXX. In the Inquiries section of the report, specifically the subsection listing " inquiries that may impact your credit rating, '' I discovered one from " The XXXX XXXX/XXXX '' dated XX/XX/XXXX that I had no knowledge of. The store address given was as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TN XXXX. Today I attempted several phone calls to try to contact the XXXX XXXX consumer credit department to advise them of this case of identity theft. However, XXXX XXXX 's automated phone system never let me talk to a real person to report this issue.
Product: Debt collection

I would like for the company to produce the contract that bears my wet ink signature. If they are unable to provide such documentation I would like for them to remove this item from my credit report as it is causing me great financial harm
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out a couple of months ago around XX/XX/2021 to XXXX, XXXX, and Equifax. However it been more than 30 days and the credit bureaus failed to send my investigation back. Which was confusing. I went to my locale Police Department and filed a police report ( Case Report Number : XXXX ). I was scared that if I didn't take care of the matter I would continue with seeing new and old fraudulent charges being added to my credit report. 

Documents will show that accounts like XXXX XXXXXXXX XXXX was open and charged without my authorization. Section 7 ( 1-C ) of the Freedom of Information Act ( 5 ILCS 140/7 ) from Ch 116, par.207 ), notes as, " Unwarranted invasion of personal privacy. '' This is defined as " the disclosure of information that is highly personal or objectionable to a reasonable person and in which the subject 's right to privacy outweighs any legitimate public interest in obtaining the information.

Also according to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer notifies the agency directly, or indirectly through a reseller, of such disputes, the agency shall, free charge, conduct a reinvestigation of determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I Would like all charges that aren't from address XXXX XXXX XXXX XXXX, XXXX  or any other incorrect information to be removed from my credit report immediately. To prevent other fraud or any unauthorized transactions from happening.
Product: Credit card

I set up bi-weekly payments on my account to cover each month 's payment, a payment was made on the bill generation date ( early ) so Synchrony charged me a late fee when I was actually early on the payment. I spoke to an agent who saw all the payments but was unwilling to correct Synchrony 's mistake so I asked to speak to a manager. The manager actually said to me " you made a payment early so we charged you a late fee '', I was appalled and even more so when she refused to correct the error the company has made. It 's obvious Synchrony practices unfair consumer credit activities and I will be filling a complaint with both the XXXX and the Consumer Financial Protection Bueau for charging me unwarranted late fees on my account.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 : I entered the Wells Fargo branch in XXXX XXXX, XXXX  off of XXXX XXXX and I authorized a wire transfer of {$13000.00} to be sent to a recipient. 30 minutes later on XX/XX/2022 I called and canceled the wire transfer over the phone with a branch representative. The representative said they will intercept and cancel the transfer as the delivery date would not have been until XX/XX/2022. 

On XX/XX/2022 my money was deducted from my account against my request to cancel the transaction.
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair business practices that I believe violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent fraud on their platform, leaving my account vulnerable and unprotected.

Additionally, their dispute resolution process was neither transparent nor fair, failing to adhere to the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. As a result, I have experienced significant inconvenience and financial loss. I am seeking appropriate compensation and corrective action for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. I have never been late with payments on this account. 
XXXX  XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

3. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX please delete it immediately. 

4. Other information I would like changed XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I sent certified letters ( that were signed for ) to all three credit reporting companies stating that information on my reports was incorrect. I didn't hear back at all from two of the agencies, and XXXX   only seemed to update some inconsequential/irrelevant information on my report that I had not requested to be revised. My complaint to the companies was based upon a student loan for {$1400.00} that I received from XXXX XXXX XXXX in XX/XX/XXXX. The account first went delinquent in XX/XX/XXXX and was then sold to XXXX/XXXX XXXX on XX/XX/XXXX. This collection agency informed me that I absolutely had to sign up for its rehabilitation program, which required a down-payment of approximately {$150.00}, plus monthly payments of {$50.00} ; I was repeatedly told that paying the account in full would substantially hurt my credit, but that signing up for the rehabilitation program would actually earn me good credit. I paid this agency through the program for approximately one year before the account went delinquent in XX/XX/XXXX ( see attachments ). The loan was then sold multiple times over the next few years, with substantial ( considering the amount of the original loan ) fees tacked on. Throughout that time period, I made inconsistently made numerous payments, but I struggled due to the fact that my loan had been sold so many times, and because I had to have new credit cards issued on three occasions due to fraud or lost cards ( because these " rehabilitation programs '' required that I sign up for an auto-pay with a credit card number, yet that number changed repeatedly, payments were declined on multiple occasions. The loan finally ended up with the XXXX XXXX XXXX XXXX  in XX/XX/XXXX, in the amount of {$2800.00}. 

This shows up as an adverse account on my credit report because the loan was sold multiple times. Per 605 - 15 U.S.C. 1681c ( a ), no consumer reporting agency may make any consumer report containing accounts placed for collection which antedate the report by more than seven years. I have only ever received the single student loan in my life. Because all of the student loan accounts on my current and former credit reports originate from the same XX/XX/XXXX student loan account through XXXX XXXX XXXX, and because that loan first went delinquent ( and was originally reported negatively in XX/XX/XXXX, which is obviously outside of seven years from today 's date ), these adverse accounts listed on my credit reports should, in my opinion, be removed.
Product: Credit reporting or other personal consumer reports

In accordance with FCRA the creditor XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 status I have the right to privacy. 15 USC 1681 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit report is showing a late payment in XXXXXXXX XXXX My Bankruptcy was filed in XXXXXXXX XXXX  and this account was never late up to the date of the XXXX filing. 

There are three AMEX account numbers incorrectly reporting a late payment in XXXXXXXX XXXX 
Those account numbers are : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries were found on my credit report. I did not authorize these companies to run my credit.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

"