23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian a 3rd party reporting agency who is not allowed to furnish any report without my consent ( 15 USC 1681B ) refuses to correct information on my consumer report with regards to an account XXXX  XXXX XXXX XXXX. the account is fraud and i am in dispute with citizens one auto finance so until the matter is completed, Experian should not report the account. the account was closed/written/charged off in XXXX of XXXX and Experian has another charge off date as of XX/XX/XXXX, this is largely inaccurate and affecting my score. according to irs publication XXXX a charge off is claimed as income on my tax return so how is it reported as a debt? another inaccuracy! i have no contract with XXXX  XXXX XXXX  XXXX  making me obligated to perform any duties to them, i have not received the original contract from citizens or Experian. Experian has refused to show me how they validated this report - what process was used, employee who handled the process, information that was gathered on the account for the report. 
12 USC XXXX2 & 83- states bank can not loan money so i'm confused on what XXXX XXXX XXXX  is speaking of? 
15 USC 41 & 1692g- the debt is now officially in dispute, by law all activities must cease until the matter is resolved due to the fraud of this matter i am able to right to recession 12cfr & 226.15 u.c.c. 1-201 & 4 -unathorized signature made without actual, implied, or apparent authority i have not been able to cross examine XXXX XXXXXXXX XXXX XXXX  about the matter, i have spoken with representatives of XXXX  XXXX XXXX XXXX but since the representative didn't sign the contract i need to speak directly to XXXX XXXX XXXX XXXX since that is supposedly has first hand knowledge of the situation, first hand knowledge refers to someone who was the witness and or saw or was in the room with me signing that contract, haven't spoken to anyone. 
XXXX XXXX XXXX XXXX seems to be furninshing false and deceptive forms to make it look like i owe a debt 15 USC 169J 15 USC 1692b ( 2 ) -stating a consumer owes a debt when if fact eh consumer does not
Product: Debt collection

I sent a letter certified mail to Discover on XX/XX/2023 to dispute inaccurate reporting on my consumer report. Discover received my letter on XX/XX/2023 ( green receipt attached below ). I demand Discover thoroughly to do a prompt investigation to to correct this inaccurate report since this negative matter is hurting my credit worthiness that is a violation of the FCRA. 

I attached a copy of the letter sent via certified mail and supporting document of the inaccurate reporting on my consumer reports. Discover shall take immediate action to correct this matter.
Product: Checking or savings account

Bank of America has continued to take {$270.00} from my XXXX XXXX XXXX XXXX account for 3 months after closing the account. Every time they assure me it will not happen again. I have talked to several supervisor and personnel over the last 3 months without resolve. The are unable to even see the draft even after providing them with the item number. They have dropped the ball multiple times in the last 3 months and have made no attempt to rectify the issue. Their last attempt was to charge an additional {$270.00} to my credit card on top of the {$270.00} that they had already drafted from my account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) 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 EXXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I was recently made aware of multiple attempts to acquire fraudulent accounts in my name. After reviewing my credit files I've found a couple of Unauthorized accounts and several credit inquiries by the perpetrators.
Product: Payday loan, title loan, personal loan, or advance loan

It is a much higher interest than I expected. I can't catch up from it.
Product: Credit reporting or other personal consumer reports

On XX/XX/23, I wrote Equifax to investigate and remove hard inquiries on my credit report. I never heard back from the company. I called today and the representative told me I needed to provide an ID theft report which I am attaching to this complaint, along with the original letter sent to Equifax. You will also find a copy of my social security card and my drivers license, along with proof of address. Please remove those unauthorized inquiries as soon as possible. I did not initiate these inquiries!
Product: Credit reporting, credit repair services, or other personal consumer reports

( Please note this overview was sent to President Biden ), President Biden, We consistently provide updates directly to your office due to the excessive amount of fraud we are experiencing in Georgia. We feel it is extremely vital to ensure you are aware of the excessive amount of ID Theft/Fraud which is taking place in this state. This is not an isolated incident. We have met numerous victims of Mortgage Fraud in Georgia, As stated previously, I was forced to file personal bankruptcy to obtain assistance with the investigation of approximately XXXX XXXX dollars of CONVENTIONAL RESIDENTIAL Mortgage fraud. We were utilized as targets and never received a mortgage for any of our properties. All closings were staged and our names were forged onto documents which profited others. There were no fraud investigations by the XXXX or the Creditors because it appears they were all involved, Until now XXXX ; s and others are attempting POST PROACTIVE Approaches which should have been completed previously, Unfortunately, the damage has been done and there is no rectifying of the harm others have caused. We are preventative tips regarding the prevention of fraud, This is quite hilarious after the fact. The retained Attorney XXXX XXXX XXXX who was paid a retainer of XXXX has done nothing to assist us, In fact we know he is working with the Creditors and Bureaus to provide information to assist them with staying ahead of any charges which may be filed. Transunion had the audacity to send information regarding Fraud Prevention. Well, you can ; t dispute any fraudulent account if TRANSUNION blocks you from the system after registering for an account. Must we remind them we are holding copies of XXXX  '' XXXX prior to XXXX? It's very obvious who's a part of this racket but it's too late. They are attempting to follow their given policy and procedure to cover themselves in a court of law, at this point we recommend they provide a level of compensation. The level of evidence against all involved is astronomical and can not be rectified. We will be honored to testify if and when needed. 

In closing, the Attorney General of Georgia, apparently believes the new process which is being created to decrease fraud is both innovative and creative. I am sure he is taking the credit for it. Sadly, I personally see this as a superficial cover to create an illusion. Also, The money which is being generated from these new processes is benefitting who? 

Respectfully Submitted
Product: Checking or savings account

BBVA had a free bank account with no minimum. They apparently got acquired by PNC. I was not informed about this well enough. Account was forcibly converted to PNC account. 

Suddenly I start getting emails saying your minimum account balance is low. I thought it was a scam at first since I dont have a PNC account. 

2 weeks after I get a message saying my account was negative and that I will be charged a fee for account being negative. I immediately transferred {$2.00} to make up for the fee they charged. 

The kicker- the fee was for paper statements. I was enrolled in Paperless statements with BBVA and of course PNC being scum decided not to honor and likely charged millions of customers {$2.00}. I then begged them to close the account and they refused. 

I have been trying to get the account closed with no end in sight right now and still being threatened to be charged a fee.
Product: Checking or savings account

My credit union was rejecting my car payments so I went into bill pay and changed the acct number by adding one digit. I waited for the next payment to see if it worked XX/XX/XXXX. It showed it worked. I then realized it made two payments. I called and the first woman said lets fix that and she said she did then transfered me to file a claim. I was disconnected. I called back twice and kept getting disconnected. I called back two days later and the woman now told me it was my fault I had two payments scheduled. I said when I go into bill pay and press that payee it doesnt even have repeat checked so how could I have done two payments? I didnt! I was told by prior person it was fixed and second person wouldnt open a claim for me. Trusting my bank was wrong! For the next two months they paid it twice and this entire time repeat is not checked. I called and asked how I see a history of payments to one payee and the person told me I cant system doesnt do that. I was evicted because i couldnt pay my rent and they did it again and Im so beyond upset! I send messages in and cant get help that way either! Over {$1300.00} was paid and shouldnt have been and there response is oh well its your fault!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing 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, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) - ( 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 Experian complies with Federal law and provides consumers with the necessary proof of investigation. 

The accounts in questions are as follows : XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Plus ( a company that I keep receiving junk mail from ) keeps pulling hard credit inquiries on my account without my permission. I have disputed this several times with the reporting agencies to no avail. How do I stop this unethical and unauthorized hard credit pull from continuing to happen??? 

Credit Plus pulled hard inquiries on my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all without my knowledge or permission. 

This needs to be stopped!
Product: Credit reporting or other personal consumer reports

I have seen a credit card account which doesnt belong to me and I dont have any access to this account. It seems like it is a fraudulent account someone created under my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter was sent to XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX, and the Experian Dispute Department on XXXX XX/XX/XXXX and the disputed amount is {$19000.00}. This account is past the statue of limitation for the state of Florida. This account has also been re-aged, and it is illegal to re-age any account. The date last active for XXXX is XXXX XX/XX/XXXX, Experian is XXXX XX/XX/XXXX ( currently listed as XX/XX/XXXX ), and XXXX  shows XXXX XX/XX/XXXX. It is illegal to re-age an account. This account has been re-aged. Delete this account immediately. 

This letter was sent to XXXX  XXXX XXXX, XXXX   XXXX XXXX, XXXX, and the Experian Dispute Department on XXXX XX/XX/XXXX. The dated last active for XXXX  is XXXX XX/XX/XXXX, Experian is XXXX XX/XX/XXXX, and XXXX show XXXX XX/XX/XXXX. XXXX  shows this account payment history with a paid as agreed status in XX/XX/XXXX and it was placed in a charge-off status in XX/XX/XXXX by Experian, this is a conflict. Delete this account immediately.
Product: Debt collection

ERC hounded me for months for account that was n't mine. It was XXXX account that nobody can provide me with any information on! Account number belonged to someone else! XXXX said it was someone elses XXXX account. ERC hounded me {$48.00} and reported me to XXXX! I paid ERC {$62.00} in XX/XX/XXXX they agreed to remove it from my Credit report!! Now XX/XX/XXXX and it 's not removed! Called them again and they say Sorry that I have to wait another 45 days to remove it! It 's been paid for in full plus Since XXXX! This account was n't even mine.Can you please help me? How can they do this? They agreed to remove the whole thing! It was n't my bill! But easier to pay it than try to fight it. HELP!!! Thanks Its ERC out of XXXX Florida.Im a XXXX . This is my reputation on the line I Pay all my bills! and this {$48.00} collection account is ruining more than my Credit! Been fighting this for years and PAID it just to get it Off my Credit report!!! HELP how can they do this?
Product: Payday loan, title loan, or personal loan

The company is part of the XXXX XXXX XXXX XXXX XXXX. I called to request a extended payment plan. The representative said she does not know what that is. This on XXXX a day before my loan is due. The power finance representative said she is calling her supervisor to ask what a extended payment plan is and if it is offered. She says unfortunately they do not have that. 

I have had a epp before with the same company years prior.
Product: Credit card

The way payments are applied by banks to different balances with different interest rates is NOT consumer friendly at all. I should be able to denote exactly where every cent of my money is going.
Product: Checking or savings account

This issues has been ongoing over the past years. XXXX being a New Year I've decided to reduce my banking activity with Citibank. 

See letter dated XX/XX/XXXX from XXXX XXXX and my response that I will attach.
Product: Checking or savings account

Citibank is ignoring my power of attorney documents. 
I subbmitted power of attorney documentation to citibank over a week ago ( received on XX/XX/2020 ). They have not responded. When I call, I am told that they need to speak to the account holder -- that would be my XXXX year old father who has XXXX. I have power of attorney, they do not need to speak to my father. They need to process the power of attorney documents. My father is unable to pay his rent and other basic necessities. I need the ability to write those checks for him. His credit card is being declined because he's not paying the bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed complaint XXXX on XX/XX/2021 ( almost 2 months ago ) against Bank of America, but have not received any response. The following account is a fraud account that I have never opened or used : Bank of America account XXXX Please investigate and delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over  6 lett ers to TRANSUNION.        XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX  I requested written original signed verification of the following accounts as required by FCRA  609.      - XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , tx  XXXX  Transunion  states  they have verified this account? They did not provide original signed signatures proving this was my account and the address they have on file is totally incorrect.  XXXX  who ever they call themselves.     INQUIRIES : TRANSUNION ALSO REPORTS SEVERAL INCORRECT INQUIRIES ON MY CREDIT REPORT.      XXXX   XXXX ,  XXXX   XXXX ??????????????????    XXXX   XXXX   XXXX ???????    XXXX   XXXX ,  XXXX   XXXX    XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX    XXXX ,  XXXX ???????????????????????????????????     ADDRESS INFORMATION : ALL TOTALLY INCORRECT-  XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX  CA  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  CA  XXXX  EMPLOYMENT : ALL TOTALLY INCORRECT-   XXXX   XXXX   XXXX  They responded by saying the accounts were verified correct? Who verified them? where are the original signatures? The address are not even correct.
Product: Checking or savings account

I deposited a check Thur the us bank app and my check was cleared Thur the bank I wrote the check on and us bank is still holding back over {$2500.00} of my fund which the whole amount of the deposit was cleared
Product: Credit reporting or other personal consumer reports

Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT ATTACHED TO ANY OPEN ACCOUNTS ON CREDIT REPORT
Product: Debt collection

Phoenix Financial Services, LLC states that I allegedly owe them. I have attempted to communicate with them in regards to this debt prior and they did not respond. I asked for them to validate the debt as well as to provide a contract with both parties ' wet ink signatures. They failed to provide this document and still are attempting to harm my consumer credit profile by reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Upon checking my credit report, noticed several incorrect accounts. Please block and remove these fraudulent entries immediately.
Product: Student loan

I have called and asked for a better loan, lower payments and lower interest ever since the loan was given to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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



Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX h

as violated my rights. 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I purchased a XXXX XXXX  a XX/XX/XXXX from their. The promotion was for 12 months deferred interest - throughTD Bank. I received the product which came with 1 year free of the i-fit membership. I made 11 payments for the total amount {$1100.00} and showed a no balance on XX/XX/XXXX. I did not receive a XX/XX/XXXX statement. When I received the XX/XX/XXXX statement it showed new purchase with the titel " PURCHASE XXXX  FINANCING '' for {$410.00}. I thought this was for the deferred interest. I called on XX/XX/XXXX and told the TD finance rep of the charge. They stay I had to file a dispute online. I filed a dispute on line on XX/XX/XXXX. I received the XX/XX/XXXX bill and the charge is still on there plus a late fee of {$29.00}. While researching the documents for my CFPB complaint, I did discover XXXX emails in XX/XX/XXXX. The first one stated that the i-fit membership was extended for another year. It did not say how much it would cost. There was a second email with and invoice that showed {$410.00}. Most subscription services that auto renew send an email with a charge amount and pending renew day. The first email " extended '' suggest this is and extension of the free trial, not the renewal of the membership at its normal price available to be financed for 12 months.
Product: Debt collection

This is the second time Synchrony Bank through a secondary ( XXXX XXXX XXXX XXXX assignee of Synchrony bank - address XXXX XXXX XXXX XXXX Assignee of Synchrony Bank XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ) has taken us to court for a judgement on a debt originating from Paypal credit owned by Synchrony bank, They will not be able to enforce any judgement, my income is from XXXX XXXX, and is my only income. Which comes from protected federal VA benefits : protected from garnishment to pay a debt owed to a private person or company. The have been aware of this for quite some time, yet they sold this debt to XXXX XXXX XXXX XXXX   originating in Texas, with office in XXXX Ga. They received an unenforceable judgement, determined by the Courts in XXXX county -XXXX XXXX -Ga. 
Please contact Synchrony Banks ( XXXX XXXX XXXX XXXX ) XXXX XXXX and advise them this is fiduciary harassment.