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

To Whom It May Concern : Upon reviewing my credit report, I have identified several accounts that appear inaccurately listed. I hereby request the removal of the specified accounts from my consumer report. 
XXXX of XX/XX/year> XXXX XXXXXX/XX/year> Collection : XXXX Acct XXXX XXXX The inclusion of these account ( s ) constitutes violations of 15 USC 1681a, also known as The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ], which outlines exclusions from the definition of a " consumer report. '' Specifically, it states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Allow me to elaborate. According to the Truth in Lending Act 15 USC 1602 ( g ), the term credit card is defined as follows : " The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' This definition encompasses my social security card, drivers license/ID, and license plate, all of which have been used as credit cards for the extension of credit. Therefore, I insist that this account be removed from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX XXXX Balance : {$640.00}
Product: Credit reporting or other personal consumer reports

Toom It May Concern : I am writing to formally lodge a complaint against XXXX XXXX XXXX regarding their ongoing issues with inaccurate credit reporting and their refusal to remove Private Mortgage Insurance ( PMI ) on my FHA loan, despite meeting the necessary conditions for its removal. 

I have been a customer of XXXX XXXX XXXX for over seven years, during which I have maintained an excellent payment history, especially notable during the challenges presented by the recent pandemic. Despite this, XXXX has reported multiple instances of late payments to credit bureaus that are factually incorrect. For example, my payment for XX/XX/XXXX was made on time, as per the XXXX of XXXX, which can be substantiated by the transaction records on their own online portal and my bank statements. However, XXXX incorrectly reported this payment as late to the credit bureaus, a mistake that they have acknowledged yet have failed to correct. 

Furthermore, I have been eligible for the removal of PMI due to the tenure of the loan exceeding seven years and the equity in my home increasing significantly. Despite multiple attempts to discuss and resolve these matters, XXXX has continually displayed a lack of cooperation and accountability. My most recent communication with them on XX/XX/XXXX involved prolonged hold times and being transferred between departments without resolution. During a conversation with a representative from the Loss Mitigation department, it was verbally acknowledged that the late payment reporting was erroneous. However, they refused to provide any written confirmation or documentation to verify their commitment to rectify this error. 

This lack of response and the continued mismanagement of my account details have not only caused significant distress but have also negatively impacted my credit score and financial standing. It is concerning that XXXX has previously been sued for similar issues, indicating a pattern of negligence and malpractice. 

Given these circumstances, I urge the Consumer Financial Protection Bureau to intervene and investigate these practices by XXXX XXXX XXXX. I am seeking the correction of all inaccuracies in my credit reporting, written confirmation from XXXX regarding these corrections, and the removal of PMI from my loan as per the eligibility criteria. 

Thank you for your attention to this serious matter. I am eager to see this issue resolved promptly and fairly. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX  can make mistakes. Check important info.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I was looking through my credit report the other day on XX/XX/XXXX. I noticed there was 2 inaccurate hard inquiry 's on my file. On XX/XX/XXXX I called each company to see if I had an account with them in anyway they both said no so I asked them why it's there and there customer service reps were basically saying it should be removed however due to corona virus there is nothing we can do at this time. These are the 2 that i never authorized, never gave anyone any permission and is clearly 100 % fraud XXXX  hard inquiry from XX/XX/XXXX XXXX card XX/XX/XXXX they could not provide any proof that I have any such accounts with them. I asked to see proof nothing was given.
Product: Bank account or service

USAA has treated me in an completely inexcusable manner since XX/XX/XXXX/XX/XX/XXXX of this year. My phone was hacked and deposit were made between my linked bank account with USAA and USAA. I received a completely new phone. Show USAA that I had ordered a new phone and turned my old phone in still they continued to called a fraud and state that I was committing bank fraud. They told me I was lying and their representative actually had me sobbing at her unnecessary and unfunded idea that I committed fraud. After that I spoke with USAA almost constantly. I agreed to make payments to pay down the debt of {$50.00} bi-weekly. On XX/XX/2016 USAA said the account had been paid off. The statement online show this. They issued me a refund check for the amount of overage. Yet today when I called on XXXX I still did not have full access to the website. In my attempt to correct this I received at least XXXX transfers. Each transfer gave me more and more incorrect information. I was on the phone with them for a total on XXXX hour. Finally I demanded to speak to a XXXX who was able to resolve the issue. I was bounced between web banking and accounting and checking department. I was told there was still a block. I was told I needed to open another account. I was told time and time again this was the wrong department. This entire experience was made horrible my USAA who continued to ignore me as a customer. Ignore my legitimate claims that the transfers where not by me. Simply a virus that got into my phone. Even with provided proof from XXXX and my cell phone provider that I had gotten a new phone and errors occurred with the previous phone they did not listen. I experienced this same. Well it 's all your fault attitude from the company told as I explained to representative after representative that I had paid the account.
Product: Debt collection

This company is part of a debt consolidation & Ive explained im going threw a financial hardship, they ran my card twice putting me in overdraft after they analogies they continue t try and run my card without my consent.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block Inc. ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXXXXXX Balance Owed : {$100.00} ; XXXX XXXXXXXX Balance Owed : {$8300.00} ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Contacted this company several times regards to not authorizing such a loan as soon as I found it reported to my credit report they have been of no help even after so many documentation such as fraud affidavit and police report
Product: Debt collection

I DISPUTED THIS ACCOUNT ( {$400.00} ) SEVERAL TIMES AND IT HAS NOT BEEN VERIFIED AS ACCURATE AND IT IS STILL REPORTING ON MY CONSUMER REPORT. I WILL NOW BE TAKING FURTHER ACTIONS ON MY PART FOR DAMAGES UNDER THE FCRA AND THE FDCPA. ( DO NOT SEND A GENERIC LETTER SAYING YOU WILL FORWARD THE INFORMATION TO THE ORIGINAL CREDITOR FOR INFORMATION ) " IT WILL NOT BE ACCEPTED '' IF YOU ATTEMPT TO SEND SOMETHING FROM THEM, YOU ARE TO IMMEDIATELY CEASE ALL COMMUNICATIONS WITH ME ON ANY DEBT YOU CLAIM I OWE. ( YOU HAVE 7 DAYS FOR ME TO RECIEVE THIS INFORMATION IN MY HAND ) I NEED THE INFORMATION THAT YOUR COMPANY ( ALDOUS AND ASSOCIATES ) HAVE IN YOUR POSSESION THAT I AM REQUESTING IN THE RESOLUTION PAGE IN THIS COMPLAINT. ( ALL ACTIONS WILL BE TAKEN AGAINST ( ALDOUS AND ASSOCIATES BECAUSE YOUR COMPANY IS REPORTING THE ACCOUNT TO MY CONSUMER REPORT )
Product: Checking or savings account

XX/XX/XXXX my bank XXXX XXXX XXXX   sent a XXXX check to XXXX XXXX XXXX XXXX electronically. They never did get it. On XX/XX/XXXX it was cashed at a PNC Bank. Neither XXXX XXXX nor I have an account there now or in the past. I spoke with my bank and they have conducted a fraud/electronic foul play investigation and have reported that it did not happen. I called PNC Bank and because I don't have an account there they could not talk to me about it. They referred me back to my bank and tell them they must inquire about it. My bank is currently working on a ( source of receipt ). When I reported it to my bank she said it would take 60-90 days before PNC respond. She also told me that there are no laws that say PNC has to respond within that time frame. 
It was the last of my money and in my eyes they deliberately, intentionally and willfully stole money from me based upon they had no account to deposit it into.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraudulent and they will not delete the trade line even though its been disputed twice and the original creditor acknowledges they have no knowledge of account.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX Balance Owed : {$8.00} ; XXXX XXXX XXXX XXXX Owed : {$25000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There Is an account being reported by the Creditor in Which I Did not open or authorize to be opened. I Have reported this several times to the creditor in hopes that they would Investigate and remove this account from my report. The creditor is also reflecting different information to two credit reporting agencies. Experian has that this account was opened on XXXX and XXXX has reported that this account was opened on XXXX. Because this information is incorrect, and I did not authorize this account to be opened I would like the account to be deleted from the credit file as it is impacting my reports negatively with incorrect information.
Product: Credit reporting or other personal consumer reports

My name Is XXXX XXXX XXXX and I am filing this complaint because of an Unauthorized/Fraudulent inquiry being furnished to my consumer report without my permissible purpose, which is a violation of the Fair Credit Reporting Act. No written instruction has been given to XXXX to report this inquiry by American Express on XX/XX/year> to my credit file. NO " Authorization or Permission '' was given by me ( XXXX XXXX XXXX ) to American Express, to run a " Hard Inquiry '' of my credit file, for the purpose of " ANY '' business on the date of XX/XX/year>. After calling BOTH XXXX and American Express on the date of XXXX and twice more each, In attempts to find resolution. I have filed an Identity Theft Affidavit with the Federal Trade Commission and have attached it to this complaint. DO NOT ADD A FRAUD ALERT TO MY CONSUMER REPORT!
Product: Bank account or service

My retirement account hardship withdrawal is being delayed and processed in a discriminatory manner by a mean-spirited manager at my employer 's third party administrator, Schools First FCU. I originally submitted the hardship withdrawal request request to the custodian of my retirement funds, XXXX which received the same documentation ( attached ) and they issued an approval one hour later by Facsimile. The approval is noted on the first page of their facsimile. That same day, Monday XX/XX/XXXX, I submitted the required forms to my credit union which is also my employer 's Third party administrator of all retirement plans. After two days, a young lady named XXXX called me on Wednesday, XXXX, and informed me that a lesser amount than the {$8100.00} that XXXX had been approved, after I questioned the reasoning behind the lesser amount the hardship request went from being approved at a lesser amount to denied altogether. Since, Wednesday I have attempted to address each concern raised by XXXX in telephone conversations via telephone. However, the manager XXXX keeps insisting on a certain form or " invoice '' that is non-existent in order to approve my hardship withdrawal request.
Product: Mortgage

Bank of america holding up a sale of a property that they once held the morgage too. 

since it was a home purchased though the VA, bank of america was required to provide a deed of conveyance back in XXXX sadly they never did and after paying this house off, i cant sell it. 

i been advised to hire a litigation lawyer as this problem is now going 6 weeks before i do that, i thought to contact bank of america to see if i can get them to provide what is needed, sadly all i get is dead ends. 
with no end in sight
Product: Credit reporting 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 : US DEPT ED Account Number : XXXX Account Name : DEPTEDXX/XX/XXXX Account Number : XXXX Account Name : DEPTEDXX/XX/XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXXAccount Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

I would like all accounts erased off my report that does not belong to me
Product: Credit reporting or other personal consumer reports

On my credit report there is wrong information. The telephone numbers listed on my credit report are incorrect and I want these numbers deleted immediately and the correct number updated in the system. Delete the following phone numbers from my credit report : a ) XXXX b ) XXXX c ) XXXX d ) XXXX Update the system with my correct phone number which is XXXX
Product: Credit reporting or other personal consumer reports

Equifax appears to have challenges in maintaining current and accurate account information. It seems that they might deliberately delay reporting the accuracy of accounts, which could result in a significantly lower XXXX XXXX credit score compared to other credit bureaus. On multiple occasions, I have encountered issues with Equifax not keeping my account information up-to-date. For instance, my XXXX XXXXXXXX XXXX  Credit Card account balance and the status of my credit card payments were reported to all three credit bureaus by XXXX. However, Equifax failed to promptly update this information, causing a delay of at least XXXX month. It is crucial for Equifax to enhance its diligence in updating account information in a timely manner, as other credit bureaus consistently do.
Product: Credit card

In XX/XX/XXXX, I enrolled with XXXXXXXX XXXX Comentity autopay. 

I carried a XXXX  balance for months. 

In XX/XX/XXXX, I made a {$54.00} purchase. 

In XX/XX/XXXX, the payment was pulled through autopay. I had more than {$54.00} in our account. I then get a {$29.00} late fee added and a 30 day late added to my credit report. 

I went to my account and manually paid ( autopay was still active ) the {$88.00} now due. They charged me a {$29.00} late fee and continued charging interest. 

I tried calling multiple times to resolve the issue and kept getting shut down over the phone. Terrible bank and terrible customer service.
Product: Checking or savings account

This is XXXX intertwined issues. 

On XX/XX/22 i attempted to purchase a large item from XXXX ( where I used to live ) And I went over limit. I went back to pay off my balance, as Id been intending to and thought Id already done it. 

I opened the app. 

And on the app my Capital One card said this account has been restricted I was Surprised/thinking they must not have as sophisticated a system as, eg XXXX which sends me texts, etc when it thinks a purchase is fraudulent and asks if you are indeed the one making the transaction. ( Ie I guessed that they thought it was fraudulent because it was through a XXXX store ). But Capital One never got in touch. 

I thought it was strange. But I went ahead and paid off the balance as Id been intending ( the balance was from a major surgey ). And figured itd be back to normal in no time. 

And Several days later, Id had no contact from them and it still said the account restricted. So I called and was told : that they cant tell me anything about it. Not about why. Not about what happened. Not about whats being done right now. Nothing. 

Ive had a bank account with Capital One 360 checking account for years ( around a decade ) but only recently opened a credit card. 

Several days later, I posted on XXXX to capital One, asking if this behavior was normal/could someone please speak to me about it. 

I am, after all, a XXXX. And XXXX is a useful tool. ( And if something happens to me, I know usually its happening to others. ) That was XXXX days ago. 

Today, I went on to my app. Which normally shows XXXX accounts, the checking account with $ XXXX ( literally all of my money ) and the credit card account which Id paid off. 

And today, the checking account has simply disappeared. 

I logged onto my computer thinking maybe it was a mobile glitch. And it wasnt there. 

Ive never overdrafted. I dont ever use checks, so Ive never bounced a check. 

Was there identity theft? 

I have zero information. And at the moment Capital One has taken all of my money.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I Hearby request Validation of debt collection practice act ( FDCPA ). 
Statements alone are not sufficient evidence of debt. As establish in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, a mere statement does not satisfy the burden of proof. therefore I request you provide : 1. The original contract or agreement. 2. A detailed accounting of the debt, including all charges and payment made. 3. verification from the original creditor that you have the legal right to this collection debt. Additionally, i demand that you cease and desist from all communication with me, as provided by the FDCPA. This includes, but is not limited to phone calls, email, letters, or any other form of communication. Furthermore, this cease and desist request extends to any form of communication via my consumer reports. This, you must delete any entries related to this debt from all consumer reporting agencies. Account XXXX XXXX if you fail to comply with this request.
Product: Credit reporting or other personal consumer reports

Despite my previous disputes, the creditor continues to knowingly and willingly report false information, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Here is the breakdown of the discrepancies : XXXX : Shows XXXX late payments ; XXXX  for 30 days another for 60 days. XXXX : Shows XXXX  30-day late payment. TransUnion : Shows XXXX late payments ; XXXX for 30 days another for 60 days. This inconsistent reporting not only demonstrates a lack of compliance but also indicates intentional misconduct. Furthermore, there should not be any late payments associated with this account. The creditors deliberate actions are causing undue harm to my credit profile and financial well-being, as this inaccurate reporting has adversely impacted my credit score and my ability to secure financial opportunities. Under 15 U.S. Code 1681s-2, creditors are obligated to report accurate and consistent information to credit reporting agencies. The continued failure to do so, despite prior disputes, is not only negligent but also a willful violation of federal law. All three credit bureaus are reporting different information and according to 15 U.S. Code 1681e - Compliance procedures, " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This is a direct violation and furthermore proves that there was no investigation to provide proper verification. The same information should be reported across all three credit reporting agencies.