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

On XX/XX/2018, I contacted Bank of America on their XXXX number regarding our automobile loan, as I wanted to report that our mail had been stolen, inquire about whether we needed to change the account number, and to see if we had a payment due. 

I spoke with XXXX XXXX who informed me that our account was past due and that it had been reported to the credit bureau. I had not received any telephone calls letting me know the account was past due nor any written notices stating that a payment was due or late. 

I made a payment of {$3300.00} ( Confirmation Number XXXX ) and another payment for XX/XX/2018 ( Confirmation Number XXXX ). Due to the mail theft, she reversed the late fees and stated that I needed to wait for the payment to clear and to call back today to have the negative mark on our credit history removed. 

I called XX/XX/2018 and spoke with an agent XXXX, who then transferred me to a Supervisor named XXXX XXXX out of XXXX Florida. XXXX XXXX indicated that I needed to fax in a request to have the negative mark removed from our credit history. We often pay this account in advance, and there are months where no payment is due, which is why we did not automatically know to send a payment. The moment I realized our mail was stolen ( XX/XX/XXXX ), I called in order to find out if payments were due and to get the account number changed if the account was compromised. We are currently looking at buying a house, so the negative mark is adversely affecting us greatly. 

When I was making the payments, I was informed that Bank of America had been calling a phone number that was twenty years old and it was a number we had never provided to them. In addition, the other phone number they were using was disconnected, despite the fact that our phone number is public, they had called us on the correct number in the past, and was listed on the documents and credit reports. 

Today, on XX/XX/2018, we received a form letter from Bank of America telling us that they were leaving the delinquent note on our credit report with explanation. The form letter did not include anyone to whom we could speak with and only included a XXXX number. We have contacted the XXXX number provided and no one can tell us how to appeal this decision or who we may speak with. They were exceptionally rude and told us it was our fault that the account was reported and that there is no one in Bank of America who can speak with us and that we needed to dispute this with the credit bureau. 

We are respectfully requesting that the Consumer Financial Protection Bureau contact Bank of America and assist us in removing the negative report to the credit bureau due to the mail theft. Please do not hesitate to contact me at ( XXXX ) XXXX if you have any questions or if you need any further information. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. 15 US-CODE 16921 there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

10. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX XXXX  Account Number : XXXX Delete this account. 

11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 12. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 

13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX XXXX IN Account Number : XXXX Delete this account. 

14. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

17. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several issues with Equifax at this time : I submitted an online dispute on XXXX/XXXX/XXXX. By law, they have 30 days to complete their investigation. <P/>On XXXX XXXX and XXXX, I checked the status of the dispute and it was still pending. <P/>On XXXX XXXX, I sent the credit bureau a registered letter stating they had not yet given me the results of their investigation within the 30 required days. Nor did they notify me that the investigation would take longer to complete. My letter to them was received on XXXX XXXX, at XXXX per USPS tracking ( XXXX ). <P/>Today, XXXX XXXX, XXXX, I received an email stating the results of my dispute were in. Upon logging into Equifax to see the results ; they had marked the completed date and the credit report date as XXXX XXXX, XXXX. THAT WAS 23 DAYS AGO WHEN THE DISPUTE WAS UNRESOLVED. <P/>To compound the issue further, no information was deleted or updated. Accounts that had been disputed and removed with other credit bureaus ; Equifax stated information was updated, however, no changes are showing made. <P/>XXXX account was " verified '', which no supporting documentation was provided from Equifax. Since the dispute was taking so long, I had mailed in supporting documentation to support my case on XXXX XXXX XXXX. This was delivered to Equifax on XXXX XXXX XXXX at XXXX per USPS tracking (  XXXX ). Upon sending additional information, I fully expected this account to take longer to resolve/delete, however, on the " results '' that I was notified of today, XXXX XXXX XXXX - the account shows " verified ''. <P/>This situation needs to be rectified immediately. Under no circumstances should information be back dated so that a company can remain compliant while not performing the validation and services they claim to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX   partial account numbers XXXX and ( 90 ) days late on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) I changed banks and contacted a representative at XXXX XXXX. I provided all of the new banking information for payment to this account. The bank never updated any of my information and consequently debits were being taken out of the old account. I was not aware there were any outstanding balances due, nor was I aware that lates were being reported on this account until I obtained a copy of my most recent credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Collections on this account shows open. Account was closed.. inaccurate balance. This account was settled..
Product: Debt collection

The ER billed me for a service covered by my insurance. Despite letters sent by my insurance to the ER that the invoice was submitted too late to be paid and can not be billed to me, the ER submitted the bill to collections.
Product: Debt collection

Today in the mail I received a letter from H & S Financial Inc. located at XXXX XXXX XXXX XXXX, TX XXXX. The letter stated I owed them {$8000.00}. They are claiming they had a judgement against me for the amount of {$8000.00}. I have never occurred such a debt. In fact, I went through six years of credit reports and it 's spotless with the exception of XXXX XXXX late payments, which were accidental. 

At no time was I served papers for a lawsuit. I never had a chance to appear in court. I never received any official court documentation. They did a hard credit pull without my permission. If there is a rule H & S Financial Inc. broke it. 

I am not paying the debt as it is not mine. I am filing a complaint with the FTC as well and will be sending certified letters to both H & S Financial Inc and the FTC stating the above with a request to do not contact me regarding this fraudulent attempt to collect a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX2019- {$2600.00}. XXXX/2019- {$2600.00}. 
0XXXX/2019-XXXX 
Filed a Consolidation with XXXX  XXXX on XX/XX/ 2019. Information was shared without my Approval to another Company. Information was shared without my Approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Navy Federal Credit Union Account # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Product: Credit card

In XXXX XXXX, two charges posted on my account in the amount {$1500.00}, totaling {$3100.00}. I disputed these charges through Capital One. XXXX XXXX challenged. Capital One sided with XXXX XXXX. The charges reposted to my account XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX sent me an email from their legal department where they conceded that I am owed a refund for the {$3100.00}. They promised to provide two refunds in the amount of {$1500.00}. 

I submitted this information to Capital One Dispute Department. I have currently received only ONE refund in the amount of {$1500.00}. Capital One refuses to provide me the remaining {$1500.00}, even though XXXX XXXX has agreed in writing I am entitled to a refund. Capital One 's refusal to provide a refund is unethical, illegal, and fraudulent. 

Capital One has tried to explain that it can not provide a credit but this makes ZERO sense because 1 ) they processed the other refund/credit and 2 ) XXXX XXXX is agreeing I am entitled to the refund. I am not trying to challenge the original Capital One determination - I am providing new evidence directly from the merchant stating I am entitled to two refunds, and Capital One has no basis to refuse to process it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  had a covid extension/payment assistance that was to help people affected by the pandemic, well atleast what was advertised not what was done. After, speaking with a rep about my impact from the pandemic I was told by both the Rep from XXXX XXXX and well as it was listed on their site/mobile app that due to the pandemic more payment options were provided with extensions and option for flexible payments throughout. As I made payment to best my ability through the pandemic I was still being dock for late payments fees AND late payments on my credit reports. Iam astound how XXXX XXXX XXXXl has handled this. Ive called multiple times for the past 2-3 months and each time the reps give you the run around tells you it takes 45 days for a response. They continue to change the dates transfer you over to a supervisor who dates are different from the previous .they cont. to give a run around and not acknowledge of your concerns. These lates need to be removed
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint against Cash App ( Block Inc. ) for providing inadequate service and engaging in unfair practices, which I believe violate the Consumer Financial Protection Act ( CFPA ) and related regulations governing financial services. 

I have encountered multiple issues with my Cash App account, which include but are not limited to unauthorized transactions, delayed payments, poor customer service, difficulty resolving disputes. These problems have not been addressed in a timely or adequate manner, despite my attempts to contact customer service and resolve the issues. 

The actions taken by Cash App have caused significant inconvenience and financial harm, and the companys failure to adequately address these concerns undermines consumer protection rights under the CFPA. Specifically, Cash Apps conduct appears to be in violation of provisions related to transparency, fair treatment, and dispute resolution. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to address these unfair practices. I also request a resolution to my specific issues, as outlined in my correspondence with Cash App. 

Thank you for your attention to this matter. I look forward to your prompt response and a fair resolution.
Product: Student loan

XXXX. On XX/XX/year>, I got a bill for loan XXXX stating that I am past due : {$320.00} and current due : {$320.00}. I called Mohela on XX/XX/year>, and spoke with XXXX XXXX, inquiring about this bill. She told me that loans XXXX and XXXX are in repayment status, and loans XXXX and XXXX are in forbearance status. I said I have papers stating that loans XXXX and XXXX are in deferment. I said something was wrong and that I was reporting to the Federal Attorney because somebody was going to jail because of all the run-around and mishaps. She then said that she apologized and now saw that those were approved and in deferment. She said that she was transferring me directly to the Deferment Department and that if she could change it, she would. She said to have them put my loans into deferment as they have been approved. I have been on the phone for over an hour, writing this complaint and waiting for someone to answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the listed accounts below have violated my federally protected consumer rights to privacy and confidentiality under the 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT NEVER LIVED AT THIS ADDRESS I DID NOT OPEN THIS A ACCOUNT. THIS HAS VIOLATED 15 U.S.C 1681 SECTION 602A 15 U.S.C 1681 SECTION 604A SECTION 2 15 U.S.C 1681C ( A ) ( 5 ) 15 U.S.C 1681 5-2 ( A ) ( 1 )
Product: Credit reporting or other personal consumer reports

Experian failed to update my balance on account XXXX XXXX XXXX XXXX XXXX XXXX XXXX'. Account should reflect XXXX which I have provided the last bank statement as proof. I'll be providing this bank statement here aswell as proof.
Product: Credit card

Went on line to pay my Credit card in Full -- wording says- to pay in full -- I paid in full but when I got my bill there was still a finance charge applied -- why did they say to pay in full??? Also my statement has the same verbiage -- shows I should have a XXXX balance but they still are charging interest
Product: Credit reporting, credit repair services, or other personal consumer reports

Syncb/ Walmart national credit cards airlines obtained a copy of credit report without my consent
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Balance : {$16000.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$950.00} XXXX XXXXXXXX XXXX Balance : {$310.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$950.00} XXXX XXXXXXXX XXXX Balance : {$200.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX  XXXX Account # XXXX has 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 15 USC 1666B : A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, the experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Contract Callers accounted opened XX/XX/year> # XXXX with account balance {$660.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.