23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I opened a Bank of America Account Online. I deposited my payroll check via direct deposit which i really needed being right before XXXX. BOA locked my account for some odd reason. I called the number provided and they said I needed to go into a financial center and prove i was a real person. I said no problem being very understanding. I told the guy I could do it later in the week and he said thats not a problem. I went to the XXXX, TN branch which is an hour away and they were very helpful but BOA had closed my account and told me that theres nothing that i could do about it since they processed my payroll check and then closed my account they told my i had to wait XXXX days to receive it. Total XX/XX/XXXX It ruined XXXX and put me under emotional distress. They did not disclose any of this to me. Do not bank with Bank of America. It seems like they only prefer to have high net worth customers and not small business owners and the working man.
Product: Checking or savings account

I had a problem today on XX/XX/year> when logging into my checking account at Ever Bank. My bank engages in sending an excessive amount of XXXX to me. They require a security code being sent to my private telephone number each time I log into the account and when I transfer money from one account to a different account. I never authorized these security codes to be sent to my private telephone number. They are engaging in harassment towards me and refuse to stop sending excessive amounts of these XXXX codes to my private telephone number. I would like to add I use the same computer when I log into the account and I never travel. I am to the point I am thinking of closing all of my accounts with XXXX. I tried contacting there customer service on XX/XX/year> and found them to be quite rude to deal with.
Product: Credit reporting or other personal consumer reports

Dear CFPB, IRS, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX I am writing to demand the deletion/removal of an unlawful and inaccurate report on my account. XXXX XXXX XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. This is clearly stated in the Fair Credit Reporting Act in section 604 ( B ). I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. The account in question has been bought by XXXX XXXX XXXX XXXX XXXX XXXX. Furthermore XXXX XXXX XXXX XXXX XXXX XXXX has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, XXXX, XXXX, this is also fraud identity theft, harassment. I demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC, IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This is a notice to all parties involved that any further non compliance will be considered willful. Please be advised that this is my request asking you to remove the unverified account on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report as well. I demand that you remove the account from my credit report immediately. If you do not comply with this demand within 30 days, I will be forced to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information only credit report with Equifax. please remove all data listed.
Product: Money transfers

A guy named XXXX called to offer me a refund for a computer program I purchased, {$290.00} on XX/XX/2015. I had to have it returned to a checking acct. with a debit card.He made the refund and then said it was to much the bal. after the refund was XXXX. He said I would have to go to a XXXX and return the difference.I sent him XXXX on a XXXX, and that was all the money I had in my acct.The deposit he made was a fake transaction.The firm he gave me was XXXX
Product: Credit card or prepaid card

More than 20 transactions were made on my prepaid credit card in one day. One of the same unknown transactions were made days before that was processed, the other transactions are on hold. I have been calling the contact number all day and have been on hold for more than three hours. No one had answered and I can not get a person on the line to tell me why this had happened. Twenty charges were all made on XX/XX/XXXX, equalling over the amount of {$2000.00}. There is no other way to contact the company only by mail and the 800 number I have for them which no one will answer but its a 24/7 customer service number. I also see that it says there is in a {$1.00} monthly fee for having this card when I have been getting charged {$5.00} a month when the card is active.
Product: Mortgage

RUSHMORE LOAN MANAGEMENT SERVICES ESCROW ANALYSIS DATED XXXX REFLECTS ILLEGAL XXXX XXXX XXXX FEES TOTALING {$15000.00} GOING BACK ( XXXX ) XXXX YEARS OR MORE, PLUS FALSE {$130.00} ESCROW FEES THAT VIOLATES BOTH FLORIDA STATE XXXX & XXXX LAWS WHICH CAN BE CONSTRUED AS FEE PADDING, CONSPIRACY TO DEFRAUD, ABUSIVE CLAIMS, UNETHICAL SELF SERVING, UNJUSTIFIABLE OVERCHARGES AND XXXX XXXX XXXX 

XXXX XXXX XXXX INTENTIONALLY CLASSIFIED MY PROPERTY AS NON-HOMESTEAD TO PUT ME IN XXXX WAY WHEN IN FACT IT IS MY XXXX NOTED IN XXXX XXXX XXXX PROPERTY TAX RECORDS SINCE XXXX. MY PROPERTY IS A XXXX IN A NEW HIGH RISE CONDOMINIUM WITH HOME OWNER ASSOCIATION THAT PAYS FOR OUR MASTER POLICY BUILDING INSURANCE COVERAGE IT IS NOT A HOUSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

HUNTER WARFIELD Original creditor : XXXX XXXXXXXX XXXX Date : XX/XX/year> XXXX Ive contacted the company twice since notification of incorrect charges. Ive disputed it 4 times on XXXX and was told I should have requested fraud instead, all Ive gotten is its sufficient and I keep telling them its not me. But they havent taken action to clear it of fix the issue, so I was advised to contact this organization by credit bureau.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent dispute letters by Certified Mail to Equifax, XXXX and XXXX requesting accounts with incorrect information be researched and corrected, I have had no response from any of the credit bureaus in the last 30 days The accounts I requested to be investigated and corrected are as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX Account status Open Date opened XX/XX/XXXX Account type FHA Mortgage The credit bureaus and this company has violated my rights under the CARES ACT and COVID-19 Pandemic.Under the FCRA passed by Congress 15 U.S 1681 B -.

Permissible purposes of consumer reports 15 U.S 1681 - Congressional findings and statements of purpose.

15.U.S 1681 C - Requirements relating to information contained in consumer Reports The credit bureaus have violated my rights under all these laws. 


Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card The credit bureaus and this company has violated my rights under the Under the CARES ACT. It must be deleted Account Info Account number XXXX Collection opened XX/XX/XXXX Account type Collection The credit bureaus and this company has violated my rights under the HIPPA act. It must be deleted. 
XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX The credit bureaus has violated my rights under the FRCA and the CARES ACT, and have caused me undue stress and phycological pain Under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s2 ( a ) ( 1 ) ( F ) ( i ) ( I ).

They have not been reporting inaccurate information. Under Section 4021 of the CARES Act amends the FCRA to address how furnishers report accounts subject to an accommodation. They have been reporting inaccurate information. Under the CARES ACT : If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current. If the credit obligation or account was delinquent before the accommodation, during the accommodation the furnisher can not advance the delinquent status. They have been reporting inaccurate information, and have not followed the law. Also, whenever the credit bureaus and furnishers provide information on a consumer, they have the obligations related to the accuracy and integrity of the information they furnish under the FCRA and Regulation V. The credit bureaus have failed and they have been reporting inaccurate information. To ensure compliance with these obligations, if furnishers are reporting information to consumer reporting agencies about a credit obligation or account that is current, they should consider ALL of the trade line information they furnish that reflects a consumers status as well as the credit bureaus and they have failed in this regard.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/year> Account Name : XXXX XXXX  XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/year>
Product: Credit card or prepaid card

On  XXXX ,  XXXX , I received a claim demand from Register of Wills for {$1900.00} from   XXXX   XXXX   XXXX   XXXX  . The alleged debt of {$1900.00} was a  JC Penney MasterCard a ccount owed to Synchrony bank. I contacted a representative (  XXXX   XXXX  ) of   XXXX   XXXX   XXXX   XXXX   who stated she could not dis cuss the JC Penney MasterCard  of  XXXX   XXXX   XXXX   XXXX  with me because  XXXX   XXXX  was the executor of her estate. I explained to the representative that I was co-administrator of  XXXX   XXXX   XXXX   XXXX  's estate. The representative refused to discuss t he JC Penney MasterCard  account with me until she received permission from the executor.  XXXX   XXXX  told the representative no, until I told the representative to tell  XXXX   XXXX  I had just received a claim demand from Register of Wills with listed as co-administrator.     I rejected the claim of  XXXX  from  XXXX   XXXX   XXXX   XXXX  because  XXXX   XXXX   XXXX   XXXX  had suffered from  XXXX  for several years, and survived Multiple   XXXX   for 18 years. My mother 's death certificate stated her primary cause of death was   XXXX   XXXX   and   XXXX   XXXX  . Her primary caretakers (  XXXX   XXXX  and  XXXX   XXXX  neglected her basis medical care until she changed her will.     I requested the  Synchrony Bank-JC Penney MasterCard  provide me with the original signed cardholder agreement and all credit receipts since the account was opened in  XXXX , when my mother was  XXXX   XXXX   XXXX  and di not qualify for credit life insurance.      XXXX   XXXX   XXXX  several unauthorized cash transactions of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  account after her death on  XXXX ,  XXXX   XXXX .  XXXX   XXXX  or  XXXX   XXXX  never had official Power of Attorney for  XXXX   XXXX   XXXX   XXXX . Consequently, if  XXXX   XXXX  or  XXXX   XXXX  signed any or all credit receipts using  XXXX   XXXX   XXXX   XXXX  's name, then their acti ons constitute credit card fraud and identity theft which is illegal under Federal and State bankin g laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the identity of the " Third Party Vendor '' Experian used to verify the completeness and accuracy of a record listed on my credit file as " XXXX XXXX XXXX XXXX XXXX' reference # XXXX. The FCRA requires credit reporting agencies to " Clearly and accurately disclose to the consumer the sources of the information '' in the consumer 's credit report under 15 USC 1681g ( a ) ( 2 ). According to Experian 's response from complaint # XXXX it contacted a third-party vendor who has certified the accuracy of this report. However, according to the attached report dated XX/XX/2023, no third-party vendor is listed. In fact, the record is listed as the court under " XXXX XXXX XXXX XXXX '' which is inaccurate based on Experian 's response. I am requesting the removal of this record from my credit file on the basis of the FCRA violation listed above.
Product: Credit card

A company called XXXX XXXX opened a fraudulent acct in my name and charged XXXX i contacted the credit card issuer synchrony bank multiple times and even sent them a police report and they still do not remove the acct from my name. The card was called synchrony XXXX XXXX.
Product: Debt collection

A year ago, I found an incomprehensible entry on my credit report that did not belong to me - FST FINANCIA ( Original Creditor : XXXX XXXX ), Account # XXXX. At first, I just called the bureau, explained the situation, said that this record does not belong. Every time they promised me that this entry would be deleted, but nothing happened. And when I called again, they told me that there was nothing on my case. It's just absurd. Then I began to write letters to the bureau in order to investigate this entry, and provide me with the facts that this entry belongs to me or delete it. The bureau never responded to any of my inquiries. Then I found the address of this strange creditor, wrote them letters asking them to confirm my debt and, in general, at least explain where I got this debt from. As a result, a year of struggle with the bureaucratic system, where no one cares about you and your problems. The record is still present in my report, but I still dont know where this debt comes from and for what. I ask you to remove this entry from my credit report.
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 : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, Ink. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and affective 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 Electric 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 or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX WI XXXX; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$88.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$9800.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

5. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

6. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased 4 tires at XXXX XXXX located at XXXX XXXX  XXXX XXXX, NC XXXX and used my Synchrony Bank Credit card to take advantage of XXXX XXXX zero / differed interest if balance is paid in full within 6 months. My balance {$600.00}. 

I made early and consistent payments : My first bill was not due until XX/XX/XXXX. 
My original purchase of {$600.00} on XX/XX/XXXX. I paid : {$130.00} paid on XX/XX/XXXX and they debited my bank account on XX/XX/XXXX {$130.00} paid on XX/XX/XXXX and they debited my bank account on XX/XX/XXXX and charged me a late fee. 
{$130.00} paid on XX/XX/XXXX and they debited my bank account on XX/XX/XXXX and charged me a late fee. 
When I noticed my paper statement showed late charges. I called Synchrony Bank at XXXX on XX/XX/XXXX and the representative said I could not pay early but did refund back to me the late charges but they did notify the credit bureaus of late payments ( I have an 800 plus credit score ) and was never late but in fact early and they did not offer to correct or retract those comments to the credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX have all received that the credit card XXXX XXXX XXXX XXXX Account XXXX is a business credit card and should not be reporting on my personal credit and all three credit buraus have received the information that this is a business credit card and continue to keep this card on my personal credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Monday XX/XX/2020 and XX/XX/XXXX and XXXX I have sent letters to the 3 credit reporting agencys informing them that information is reporting incorrect. Each time I tell them that the information is reporting inaccurate, they turn around and state that they where able to verify the account belongs to me. Im not challenging wheather or not the account belongs to me, Im challenging the inaccurate information they are reportinng which is againts the Fair Credit Reporting Act. 

XXXX  XXXX XXXX has never been late XXXX XXXX contains several inaccuracies. 
XXXX  XXXX XXXX XXXX also contains several inaccuracies.