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

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

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

I demand the late payment reported to be removed. 

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

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

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

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

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

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account Name : CaIne And weiner Account number XXXX
Product: Checking or savings account

I need to issue a stop payment on a check that was lost by USPS. There should be an easy way to do this through the online portal, but if there is a way to do this online, I can't find it. I have spent 20 minutes on hold each of the past 5 business days trying to get to a representative to find out how to get the stop payment issued and I can never get a person on the phone.
Product: Credit reporting or other personal consumer reports

I sent certified mail to the Credit reporting agencies to investigate incorrect, invalid, and impermissible information pertaining to my credit report regarding an XXXX account with the account number - XXXX. After conducting an investigation I was told the referred account has not been changed and will remain on my credit report. Earlier this year I made a complaint to the CFPB about this same company furnishing all of this invalidated data without my written consent. I, The consumer should be protected under SECTION 15 United States Code 1681 in its entirety. The negligence to uphold these standards and willful non compliance to maintain accurate reporting is extremely disheartening as it is very damaging to my reputation causing me extreme XXXX, mental anguish, and making it very difficult for me to maintain financial stability. I have attached proof to validate my claims. Please investigate this matter immediately. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I am disputing an account that is falsely being reported on my Transunion credit report. The account belongs to XXXX, and it is not mine. I have never had any financial relationship with XXXX, nor have l ever opened an account with them. I previously disputed this fraudulent account with Transunion, and instead of removing it, they only marked it as closed. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) because they are reporting false and unverified information. 
Under FCRA Section 611 ( 15 U.S.C. 1681i ), XXXX is required to conduct a full reinvestigation and remove the inaccurate information if it can not be verified. I am demanding immediate deletion of this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a creditor that I don't recognize, and address I have never lived at, and inquiries I have never authorized. Please remove them immediately.
Product: Credit card

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX This CFPB complaint is filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 
The fraudulent, inaccurate, and false information consists of : Flexshopper installment account opened on XX/XX/XXXX with an amount past due of {$1500.00}. 

These accounts have resulted in several fraudulent hard inquiries and collections appearing on my credit report. I do not recognize these accounts, collections, or hard inquiries as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. Attached are a list of the fraudulent items and a copy of my credit report showing these items. I also provide a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof of identity theft and fraud.
Product: Debt collection

I logged on to my XXXX XXXX account today and saw a new account in collections. It was a different collection agency but the same account that had already been removed previously because I didn't take it out. The new company is called XXXX XXXX XXXX   who are collecting for XXXX XXXX. They say I opened the account in XX/XX/2017. Which I know for a fact wasn't true because I wouldn't open a new credit card account ( and wouldn't be able to ) when I had lost my job and was being evicted. I call and they tell me that I bought new tires for my truck, which I didn't. The only truck I have hasn't run properly in five years, I am not putting XXXX dollar tires on a truck I can't use. It has already been removed as fraud, now they are just harassing me and putting it on each report over again, weeks before I buy my house as well!
Product: Credit reporting or other personal consumer reports

There are late payments on this account ( XXXX XXXX  XXXX  XXXX XXXX ) which is hurting my credit report badly. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Checking or savings account

XX/XX/XXXX : Opened checking account with the promotion of the following terms : Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.

The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. The account must be open with a positive balance at the time the bonus is deposited. 

XX/XX/XXXX : Received a direct deposit from employer in the amount of {$300.00} XX/XX/XXXX : Called bank and CSR acknowledged bonus should have posted but he was unable to post the bonus. 

No bonus posted as of XX/XX/XXXX. Bank did adhere to their terms and conditions. Bonus was not posted within 60 days of XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On Wednesday of XX/XX/year> I received a notification supposedly from Bank of America stating that I had a fradulent charge from XXXX  of XXXX dollars. After replying no, the SMS ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX California said an agent would be speaking with you shortly. I then received a phone call with the number of XXXX XXXX, which is Bank of Americas national customer service line. The guys name was XXXX ( American descent ) and walked me through what seemed like a routine checklist of Bank of America. He then stated that my account had been compromised by someone named XXXX XXXX from XXXX XXXX, Texas. He also knew how much money was in all my accounts associated with Bank of America and the routing/Accounting number as well as my full legal name/ Birthday. He had me take my whole account and transfer it to XXXX XXXX and then a temporary debit card for holding until they could transfer it back. I eventually started to gain worrisome as he seemed to be struggling figuring out what my account had been compromised with. After a while I got no response and decided to hang up. I called Bank of America back and they had recollection of them ever calling me, saying I got scammed and that this happens often. They said their number gets swooped all the time and that because I willingly did it on my own they have nothing they can provide help for.
Product: Credit reporting or other personal consumer reports

I am ask for another reinvestigation of this account as it is still reporting inaccurate information falsely. The account "XX/XX/XXXX XXXX XXXX '' has inaccurate information as it is still showing two late payments of 60 days and wrong dates of late payments. This information is not the same as other bureaus deeming it an inaccuracy and should be corrected immediately as it is hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate entry on my credit report that has negatively impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, I am holding your agency accountable for the negligent inclusion of this erroneous information.

Upon reviewing my credit report, I discovered the following incorrect information : Disputed Item Details : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX & XX/XX/XXXX Disputed Issue : Damaging credit score Under the FCRA, credit reporting agencies must ensure the maximum possible accuracy of information in consumer reports. This inaccurate information has caused undue harm to my creditworthiness, and I am demanding its prompt removal or correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credco, XXXX XXXX, and others checking my credit. Theses are hard hits. I did not authorize theses checks. I want them removed if its not a bank its fraud.
Product: Credit card or prepaid card

On XX/XX/2022 I received an email notification of a card open, but not my name, from Barclays Bank, Delaware I do not know the name on the card or why I received a notification I called customer service and they asked for my last 4 of SS # and BD- which I did not give. 
They were not able to do anything about it without that information I am concerned the card is open using my information
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by XXXX XXXX XXXX, or the two agencies copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. Amazing inconsistencies against reality about an inquiry for a secured loan, when I do not own personal cars to secure anything. Using my mothers maiden last name for an inquiry instead of my last name, or even both ( one followed by the other ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XXXX : XX/XX/year> | XXXX : XXXX RE : Trafficking Block Request Dear Sir or Madam : This my second time contacting you about me being a victim of XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
Item ( s ) resulting from trafficking that should be blocked : XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX Please Contact Via Mail Enclosures : A self-attestation & Proof of Identity
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 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, not later than - business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Other financial service

I utilize Credit Karma to help me manage my credit score, keep track of my finances, ensure all discharged debt is removed from my credit, and to suggest help on what I can do to help lower payments and increase my credit score after bankruptcy. 

Because my credit score has improved tremenbously ( because I 'm paying my bills on-time as well as disputing debt that suppose to be removed from credit ), Credit Karma suggested to me that I should inquire with a company called XXXX to get a lower car note. I really need to get a lower payment. I 'm paying {$330.00} a month, and with my credit score, Credit Karma is recommending that I can get my apr % down lower ... .making my payments possibly around {$200.00} a month. I know that the bankruptcy and auto loan is still new and the refinancing would n't be a good idea. I did n't want a hard inquiry on my credit either. Now, Credit Karma knows that I filed bankruptcy and has a general idea of what my credit looks like, so I trusted that the tool would help me keep things in order. I applied for the auto refinancing loan on XXXX/XXXX/16 and was " denied '' the same day. As of today 's date, the suggestion still sits on my Credit Karma account and it did n't help me at all. I am requesting for the hard inquiry to be removed from my credit report and a clear understanding of why I was still denied the refinancing, but my credit score improved!!
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 purpose.

XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XXXXXX/XX/XXXX
Product: Checking or savings account

I made deposits to my account several times and when a check was returned as a result charged my account for the amount of the check and I never received money from it XXXXit has ha0pened more than once and I am XXXX - right now as we speak because of this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a " medical Debt '' from XXXX XXXX on both my XXXX and Experian reports, I was FULLY insured and proof of such is being uploaded into this dispute!!!! 

How can you justify billing ME and not collecting from my insurance? pure laziness!!!!!! 

They love to throw around that the debt is " Valid '' well lets see PROOF of that not just your lying word that its so called " Valid '' because here is MY proof that I was not only insured BUT that the medical visit was 100 % covered by my insurance company. 

It's far too easy these days for these companies to scam and try to collect, " We find it valid '' WELL OF COURSE YOU DO!!!!!!!! no one thinks its a conflict of interest? THEY do the investigating? ohh well you mean they found it valid? no? you don't say!! 

WELL LETS SEE PROOF!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion report an unknown creditor ( XXXX XXXX ) on my report that caused my credit score to drop XXXX points on XX/XX/2021. I have constantly spoke with Transunion and XXXX XXXX  about this issue. I first saw it on XXXX XXXX and immediately contacted Transunion about the issue. They indicated that my score did drop by XXXX points but have no idea why it dropped. I contacted Transunion again and now they are saying that I paid off XXXX debts and that why it dropped XXXX points, which is unheard of. Credit scores increases of you paid off debts. I would like this issue to investigated. I have evidence that this happened.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transaction by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact, I am in fact, requesting this block on behalf of myself. On XX/XX/2024 and on XX/XX/2024 XXXX, XXXX, and Equifax were all notified by certified mail. According to FCRA my rights are in violation of 15 usc 1681c-2 consumer request to block information from alleged identity theft making the credit reporting agency civilly and criminally liable according to 15 usc 1681n and 15 usc 1681o.
Product: Money transfer, virtual currency, or money service

Please see attached documents for background information before proceeding. Blue - me, red - landlord, green - police. 

There were 3 separate wire transfers of {$970.00} ( with a {$25.00} wire transfer fee for each ) on XX/XX/2015, and XX/XX/XXXX. Among suspicions of being scammed, I called the J.P. Morgan Chase wire department to help recall the wire transfers on XX/XX/XXXX. I followed up on XX/XX/XXXX to see the progress of the recall. However, I was told that Chase would not be able to send a letter of indemnity to my landlord 's bank, XXXX XXXX, because I was the one who initiated the transfer and this was not under Chase 's definition of fraud. I filed a report with my local police department and have forms indicating that I am a victim of fraud. Today, XX/XX/XXXX, I went to my local Chase branch to see if they can do anything to help me get my money back. The banker told me that they couldn't help me for the same reason - I was the one who initiated the transfer.
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 violates the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective to prevent or 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 errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These acts have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Prepaid card

I am writing to bring your attention to a matter of significant concern regarding Bank of America 's misrepresentation of the status of my closed account with them. 

In previous complaints, Bank of America falsely claimed that the Department of Labor in the State of Maryland had 'froze " my closed account, which I had used to receive pandemic unemployment insurance. This misinformation has led to unnecessary distress and complications. After thorough discussions with three sworn state representatives in Maryland, it has been conclusively determined that the Department of Labor has not taken any adverse action on my account in XXXX  or at any time since I started receiving unemployment insurance. 

Despite filing multiple complaints with the bank, I have encountered instances where I was either discouraged or outright prohibited by bank representatives from addressing these issues. This situation is deeply troubling, and I am seeking your intervention to rectify this matter promptly. 

I kindly request your esteemed agency to conduct a thorough review of all communications between myself and Bank of America from XX/XX/2024 until the date of filing this complaint on XX/XX/2024. Your prompt attention to this matter is crucial in ensuring fairness and justice.