23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Honda Finance shows 1 late payment ( XXXX XXXX ). The alleged late payment incident was related to a failure of Honda to initiate automated payments on a new lease. I spoke w. a CSR upon notice of late payment and was told " don't worry about it, not a problem, and Honda will not post a negative mark on your credit report ''. It remains the only negative mark on my credit report. I sent a letter to HF and they responded with a refusal to remove the erroneous late mark.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 Equifax posted a hard inquiry on my credit report from XXXX XXXX XXXX. 

I do not know XXXX, I never submitted ANY application for a loan / mortgage / or ANY type of credit. It seems that someone used my information. 

XXXX backs up my version- they do not know me, they do not have my information, nor they were able to identify or locate any account in my name or SSN at their institution. They clearly indicated ( in a written document, attached ) that they have NO record on file of me obtaining any products or services with them. 

I attached : 1. My Equifax Credit report - showing the hard inquiry from XXXX XXXX XX/XX/2023 2. The letter from XXXX XXXX department
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax regarding their failure to properly investigate and remove a fraudulent account appearing on my credit report. As a victim of the Equifax data breach, my personal information was compromised, which has resulted in fraudulent activity on my credit report. 
On reviewing my credit report, I discovered a fraudulent account listed under XXXX XXXX XXXX, Account # XXXX, which was opened in a state where I do not and have never resided. This account was not authorized by me and is clearly fraudulent. 
Upon identifying the fraudulent account, I promptly filed a dispute with Equifax, providing sufficient documentation to prove the account was opened without my consent. Despite this, Equifax has failed to conduct a reasonable investigation and has continued to report this fraudulent account on my credit report. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), credit reporting agencies are required to block and remove fraudulent information from a consumers credit report once notified and provided with appropriate supporting documentation. The law mandates that : Upon receiving the consumer 's request and supporting documents, the credit bureau must block the reporting of information resulting from identity theft. 
This action must be completed within four business days. 
Equifax has failed to comply with these legal obligations, continuing to report inaccurate and damaging information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote to all 3 credit bureaus and to the creditor directly, XXXX XXXX. The payment status and the comments line are incorrectly reporting a charge-off and an indication that the account was sold to another company.

On XX/XX/XXXX I received a letter ( see attached ) indicating that my account was in fact sold and that XXXX no longer had any information on my account.

If XXXX has no information on my account how can they do a legitimate investigation as to whether my account is correctly still shown by then as Charge-off.. ( see attached excerpt from my XX/XX/XXXX report showing that XXXX is still showing inaccurate and unverifiable information.

I wanted to send a copy of this complaint also to the creditor XXXX but your form did not provide such an opportunity. See the attached letter previously mentioned for correct mailing address.
Product: Credit reporting, credit repair services, or other personal consumer reports

The finished my payments with XXXX XXXX XXXX  in XX/XX/2018. They are FALSELY reporting to all major credit bureaus that I finished my payments with them in XX/XX/2018. 

I have called and emailed them over 10x and they keep saying " they are working on it ''. first called them in XX/XX/2018 and it is now XXXX. My credit score and report are negatively effected because of their negligence. They are a XXXX XXXX dollar company yet can't figure out to fix an error on a credit report. 

I need them to fix this ASAP and they refuse or act incompetent. 

It does make any sense why they can't simply fix what they are reporting and provide the accurate, correct information
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX XXXX I purchased food from a restaurant bar at XXXX XXXX in XXXX. I asked the bartender to put the food in separate containers. Instead he threw everything in one box as if it was trash. Seafood and chicken fingers were mixed in the same box. When I got home I called the manager to complain then the next day I called XXXX more times. The woman I spoke to XXXX kept cutting me off on the phone. Later that evening over night I became sick. 

Same issue XXXX called and XXXX the supervisor kept talking over me and cutting me off I filed a claim with my card and they didnt take the full story from me so its now a nightmare..
Product: Credit reporting

EXPERIANXXXX/XXXXaccount showing collection/chargeoff ( should be unknown ) account was included in chapter XXXX bankruptcy filed XX/XX/2015
Product: Money transfer, virtual currency, or money service

Dear CFPB, I am writing to file a complaint against Cash App ( Block , Inc. ) as I have been experiencing significant issues regarding their customer support and billing practices. 

Unresolved Refund Request : I requested a refund over a week ago, but the issue remains unresolved. Despite my repeated attempts to contact customer support, I have not received any meaningful response or resolution. The refund is still pending, and I am unable to access my funds. 
Recurring Unauthorized Charges : Every month, my account is charged for a subscription or service that I am not enrolled in or have not authorized. These charges are unjustified and have caused financial inconvenience. 
Delayed Refund Process : When I dispute these charges, it takes an unreasonable amount of time for the funds to be returned to my account, leaving me financially strained and frustrated. 
I have attempted to resolve these issues directly with [ Company Name ] through their customer service channels, but their lack of responsiveness has left me no choice but to escalate the matter. 

I kindly request that the CFPB intervene to ensure that : My pending refund is processed promptly. 
The unauthorized recurring charges are permanently stopped. 
Any additional penalties or compensations be applied if necessary. 
Thank you for your attention to this matter. Please let me know if you require any additional information or documentation to support my claim.
Product: Debt collection

LVNV Funding has refused to provide any proof of ownership of this collection.I have contacted them to let them know that this is a fraudulent collection and I have never received any product from the seller. I have disputed this with the credit agency and it keep coming back verified with no explanation on how this account was verified.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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 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 XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I tried to deposit two checks from the US Treasurer for TSP withdrawals and at first my bank 5/3rd made the funds available. Then a few days later we noticed I did not have online access and our accounts were showing overdrawn by almost a millions dollars combined. Upon calling we were told the were returned for fraud and my account is being reviewed for closure. I verified checks by calling the TSP disbursement FBO. I provided a letter for payment confirmation from the TSP on the checks and my account is still under review.
Product: Checking or savings account

A wells Fargo checking account was opened in my name with out my permission. account number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Letter Credit Bureau XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus Experian, XXXX, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX XXXX on XX/XX/XXXX. 

INACCURATE : 1. XXXX, 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX EXPERIAN XXXX   XXXX  PLEASE REMOVE THE ERRORED ADDRESSES THAT ARE ON MY FILE.
Product: Credit reporting or other personal consumer reports

I would like to address the crucial regulations safeguarding consumers under the Fair Credit Reporting Act ( FCRA ). These regulations ensure equitable treatment, privacy protection, and accuracy of credit information. Section 602 ( a ) of the FCRA mandates that entities collecting and reporting consumer information must adhere to principles of fairness, neutrality, and privacy, encompassing well-known entities like XXXX, TransUnion, and XXXX. As an individual subject to their data collection, I retain the right to safeguard my privacy. Furthermore, Section 6801 reinforces Congress 's intent for financial institutions supplying data to credit agencies to uphold the security of personal information. 

The FCRA also outlines the necessity for written consent prior to the dissemination of consumer information by credit agencies, as delineated in Section 604 ( a ) ( 2 ). However, I have not provided written consent to XXXX, TransUnion, or XXXX, contravening this requirement. Moreover, Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of information sharing, a requirement that has not been fulfilled in my case. 

XXXX, TransUnion, and XXXX have reported adverse information about me without obtaining my consent, a violation of Section 1681C ( a ) ( 5 ) of the FCRA. Additionally, Section 1681s2 ( A ) ( XXXX ) prohibits the dissemination of knowingly inaccurate information, which appears to have occurred in this instance. 

Furthermore, the FCRA mandates that these entities establish robust procedures to ensure compliance with the law, as outlined in Section 1681e. Unfortunately, it appears that XXXX, TransUnion, and XXXX have failed to implement adequate measures, resulting in inaccurate information being included in my credit report. 

Consequently, I am formally requesting that they cease sharing my information, as permitted by 12 CFR 1016.7. Additionally, I demand the immediate removal of all erroneous entries from my credit report. Failure to adhere to these requests may warrant legal action for willful non-compliance with FCRA regulations. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> 2023
Product: Credit reporting or other personal consumer reports

XXXX has failed to furfill its legal obligations under the fair credit report ACT ( FCRA ) to conduct a reasonable reinvestgation of disputed information on my credit report leaving inaccurate unverifiable accounts unresolved The Consumer Financial Protection Bureau has recently filed a lawsuit against XXXX alleging systematic issues such as failing to forward consumer provided evidence to furnishersaccepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where XXXX neither corrected or removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts.as XXXX XXXX violates federal law and my rights as a consumer.
Product: Checking or savings account

I initiated a transfer on XX/XX/XXXX. My bank deposited the money into Chime on XX/XX/XXXX. Chime withheld the funds through XX/XX/XXXX, well beyond the maximum 5 day limit.
Product: Credit card or prepaid card

On XX/XX/2020, a debit in the amount of - {$490.00} was posted from a XXXX 's transaction on my Netspend Visa Pre-Paid Card. 

However, after the transaction was declined, canceled by the store, and no Transaction # or Authorization # issues for that amount the {$490.00} was never restored to the account. 

I've sent multiple documentation to Netspend including the receipt showing the Transaction # and Authorization under the XXXX Mastercard the {$490.00} purchase was ultimately approved. 

I made multiple calls to Netspend supervisors and senior management. I was last told that on the XX/XX/2020 an update will be provided. 13 business days after the dispute was filed with Netspend. There Disclosure clearly states 10 business days for all resolutions. 

I have worked diligently with XXXX 's to address the heart of the matter. There is no question this is an error on Netspend 's part, and at the very least should be provided with credit ( temporary or permanent ) by no later than XX/XX/2020. I was not assured that a credit would be issued ; despite the fact, the account continues to be in negative balance and accruing fees. 

XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates has now ILLEGALLY filed an ADVERSE ACCOUNT action against me with XXXX, without first sending me the LEGALLY REQUIRED notification that they now hold an account that they CLAIM that I own, with an unpaid balance that THEY CLAIM that I owe. 
They know, based on my previously filed complaints with CFPB, and based on my otherwise perfect ( XXXX ) credit score that this account does not belong to me, and is, apparently, the result of Identity Theft. 
They continue to ignore this, while just now sending me a COPY of the legally required notifications that they sent to a different person at a DIFFERENT ADDRESS in XXXX. That DOES NOT meet their LEGALLY REQUIRED Notification to ME, since I have never seen it before, AND THEY KNOW THAT. 
They started with harassing phone calls, refusing to even identify themselves, and only now providing the documents sent to the different person at a different address in response to my earlier CFPB complaints, and in an apparent attempt to cover their XXXX with the Arkansas State Board of Collection Agencies Complaint Process. 
CURRENT : They HAVE NOT sent ME any of the LEGALLY REQUIRED NOTIFICATIONS at my LEGAL address ( unchanged since XX/XX/2005). 
SO, they have filed an ADVERSE ACCOUNT in MY XXXX   Credit Report without ever sending me any of the LEGALLY REQUIRED Notifications at my LEGAL address, which they clearly have. 
This is continuing harassment, directed toward trying to get me to pay money that they know I do not owe. They believe that they can coerce me, based on my age and my exceptional credit score, into just paying a debt that I do not owe in order to get them to stop the harassment and remove their illegal Credit Report input..
Product: Checking or savings account

On XX/XX/2021, a deposit was made to my account at Credit Karma, in the amount of {$30000.00}. Since that day, my account has been locked down, with no reason given for the lock down. I have no access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Agency XXXX has Failed to properly validate a medical debt with a Certified letter for the original contract and wet signature. They have been repeatedly in violation of the CFPB and have yet to receive any verified or validated proof this debt is mine.
Product: Mortgage

I filed a complaint against Bank of America Credit Card - Visa in   XXXX    because of severe security problems with their credit card. I decided to reduce my financial foot print with Bank of America because of this issue and a problem in  XXXX , where I opened a Traditional IRA and they opened a Roth IRA by mistake, potentially causing a serious problem with my tax filing if I had not read the fine print. At that time, I emptied my saving account of most funds because of their tolerance for such a large margin of error. In   XXXX   XXXX   XXXX  , I closed my credit card and saving account and moved my direct deposit from my employer to another financial institution (   XXXX   XXXX   XXXX   XXXX   XXXX   ). At the same time, I moved the direct debit for my Bank of America Mortgage to   XXXX   XXXX   XXXX   XXXX   XXXX   to pay my mortgage from this other account. On  XX/XX/XXXX , I received a notice from Bank of America Mortgage that I am behind on paying my mortgage. However, the debits from my   XXXX   XXXX   account are clear and are attached in an account statement. However, the Bank of America statement reports that they performed an " unapplied funds reversal. '' The reversed funds states it left my bank of america mortgage account on  XX/XX/XXXX , but was not returned to my other financial institution from which it was debited, nor was it returned to the only remaining account with Bank of America, which is the remaining checking account ( which was the account the mortgage was previously debited from ). My wife now uses this account. So in essence they claimed they reversed {$920.00}, but they did not do so to my accounts and are sending me a notice that my account is past due and at risk for a late fee. I have tried to contact them twice but the prompts on the Customer service number do not progress to resolution. They confirm that payment was received. I believe this may  be institutional retaliation for the previous complaint. I have never missed a payment.
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. I previously included this in my COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a recent data breach and request that the following accounts and inquiries be blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts are the result of the breach, and I am taking action to protect my credit. 
Accounts to be Blocked and Deleted 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX