23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 

Here are several accounts that need to be removed and updated to accuracy from my credit bureau which have violated my Rights. 

( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX of XXXX 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 or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

In XXXX I closed my account with XXXX  XXXX  I had a XXXX balance XXXX  XXXX  left my account open resulting in another month still due I was working with XXXX XXXX  and the FCC was an active open complaint over this matter for some reason or another this credit collection agency ended up with this account I was still not done with my process involving the FCC and that I was waiting for their official response to come in the mail that they never sent to me which was on the XXXX of XXXX this collection had apparently began three days after that XXXX had explained to me that they needed at least 30 days in order to close the account to which I requested the account be closed in XXXX of XXXX as outlined in my FCC complaint I still received a bill for XXXX and XXXX for services I did not even have therefore I owe them no balance whatsoever
Product: Money transfer, virtual currency, or money service

Im filing a complaint against cash app ( Block , Inc . ) due to in adequate customer service and unfair Practice, Which violate the consumer Financial protection act ( CFPA ). Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected.

Furthermore, there dispute resolution Process was unfair and deceptive, as they did not comply with error Resolution Requirements under the electronic funds 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 am filing a compiaint against Experian for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a inorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Loancare is our loan service provider for our mortgage. We set up an automated payment request for the XX/XX/XXXX to pay our XXXX mortgage payment since we would be traveling out of state from XXXX XXXX - XXXX. We did not have access to email or XXXX mail until we returned on the XX/XX/XXXX, but did have cell phone access during the entire trip. OnXX/XX/XXXX we received notification that our mortgage payment for XXXX XXXX was not made in a timely manner and that Loancare reported us 30 days late to the credit reporting agencies. Upon contacting Loancare, we found that the automated payment was not accepted. When asking why we were not immediately contacted, they told us that they had been reaching out via telephone, but upon further inquiry, they admitted they had the wrong phone contact number in their system and was unsuccessful in reaching me. Furthermore, the letter that was sent to us stating we are late for XXXX was dated XX/XX/XXXX, post marked XX/XX/XXXX and not received by us until XX/XX/XXXX. Clearly we were not notified from Loancare that the payment we had submitted was not processed and immediately upon finding out, we corrected the problem. It is for the reasons stated, specifically the wrong contact information and mailing of the late notice so late in the month, that we are requesting a credit suppression for the 30 day late report they are ruining our credit file with. On XX/XX/XXXX we requested a one time credit  suppression due to the unique nature of this problem and Loancare states on their website that " within 15 calendar days following the receipt of an inquiry, we will provide a written response that includes details of how the inquiry has been resolved. This would be XX/XX/XXXX. A resolution was never given. Furthermore, they state that withing 5 days of the inquiry, " we will provide you with a case number and a toll-free number to call to discuss the issue and a resolution. '' This toll-free number was NEVER provided and NOBODY has ever discussed the case with us. This issue has now caused our credit FICO score to reduce by 60 points. We are currently working with XXXX XXXX XXXX XXXX to secure a mortgage on a new home and need to have this issue resolved prior to XX/XX/XXXX ( which according to the Loancare website should have been resolved by the 20th ) or we will lose our mortgage commitment and our new home. We have made a reasonable request for Loancare to  suppress the erroneous reporting based on them having improper contact information and Loancare is acting unreasonably. Especially considering that we have NEVER been late on ANY payment to Loancare or any other creditor in the last 14 years.
Product: Credit card

I have a consumer credit card with Kohls.com and buy products from them and pay off the card. When a product does not work, does n't fit for example, they will not issue a credit on the card. They issue a merchandise credit that requires buying more to get the value back. 

I do n't like it. And especially in this last case, I ordered women 's shoes size XXXX, they did n't fit, and there was no paperwork to return them, XXXX paperwork. I called. They were not helpful, said they did n't have to provide paperwork. Drive XXXX miles to return them at store, they issued a card for purchasing from Kohls to compensate. I ordered size XXXX and waited, what came was men 's size XXXX, and while my name and address were on outside box, paperwork in the box showed it was a sales to another customer, in XXXX ( I am in XXXX ). Their error, not mine. And I communicated, and then after Kohls told me it would be picked up I have received two messages via email asking me to take it to the store XXXX miles away. I told them they can pick them up if they want them, and I do not accept charges for the order that I did not place for size XXXX men 's shoes.
Product: Checking or savings account

I was informed that an account with Albert financial institution for a product called genius was opened under my name. This was a fraudulent account and included my correct name, email address and birthday but the remainder of the information was wrong ( phone number, marital status, children, annual income, whether I rent or own my home, etc ). 

I took screenshots of all the information I was able to find once I was able to login to the account. The account was linked to a chime savings and checking account that I do not own. 
Albert does not provide any way to speak to a live human. They only have a support text and email. I would like proof that the account was closed and any paperwork related to whoever opened the account as I have filed a police report with my local sheriff department.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS DISPUTED DOES NOT BELONG TO ME. THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE AND I WOULD LIKE THOSE DEROGATORY ACCOUNTS TO BE REMOVED IMMEDIATELY. THOSE ACCOUNTS HAVE TARNISHED MY CREDIT AND BECAUSE OF THIS IT IS HARD TO ACQUIRE NEW CREDIT OR APPLY FOR A LOAN. THOSE ACCOUNTS HAVE CAUSED TREMENDOUS DAMAGE AND I WANT THOSE ACCOUNTS TO BE PURGED OFF MY CREDIT.
Product: Debt collection

My credit report has some accounts that were opened fraudulently. Please remove them as theyre impacting my credit.
Product: Mortgage

We are filing a complaint against Rushmore Loan Management Services. We are in a forbearance due to a natural disaster until XX/XX/XXXX, that has been confirmed. Even though we pay our monthly escrow payments as agreed on time, and never missed a payment, they keep reporting us to the Credit agencies as being over 180 days past due since XX/XX/XXXX. This has caused our credit score to dramatically drop over 130 points each. Although we continue to call the Loss Mitigation dept weekly and leave constant messages with our Point of Contact Reps, we do not receive any call backs from them. We have gotten through to other reps in that dept occasionally that can see the remarks in their system and confirm we are in a forbearance which we have a certificate and letter confirming as well, and they say that we should not be getting reported and insist it will be corrected and they will forward our information to a manager for prompter assistance, but so far nothing has been rectified or addressed. They even recommended back in XXXX that we write a dispute letter, and provide copies of each of our credit reports showing the inaccuracies by at least one of the Credit agencies proving our claims and fax to dispute department, which we did do on XX/XX/XXXX. They sent us a letter on XX/XX/XXXX saying they were taking the derogatory marks off for XXXX and XX/XX/XXXX only and it will take 30 - 45 days, however our reports as of today XX/XX/XXXX, are still showing delinquent and past due 180 days for XXXX, XXXX, XXXX, and XXXX and our scores are still down over 130 points. Also, we get at least 2 calls a day from Rushmore 's automated system claiming we are past due on our account, and we have received letters on our front door every several weeks to call them about our " past due '' account. We continue to call and continue to leave messages with the Reps and still this has not been rectified and we are beyond frustrated now. We have also contacted the Credit agencies ( XXXX XXXX, XXXX, and XXXX  ) and disputed the derogatory marks as well, but they responded to us that they are being told by Rushmore Loan Services that we are still past due on our account over 180 days, which is incorrect and very frustrating for us. We are at a loss as how to get this corrected and need assistance asap so we can get our credit scores back up over the 130 points that has dropped because of these inaccuracies reported to the Credit Agencies. Any help would be extremely appreciated.
Product: Debt collection

There is a chargeneral on my XXXX report for the amount of {$94.00}. I contacted the collection agency by the name of IC Systems Inc. and the advised me that it would be removed. This was threw months ago and it still reflecting on my acount.
Product: Mortgage

My wife and i purchased an income property in XX/XX/XXXX. Bsi is the lender. At the end of XXXX i received notice that there was a shortage in my escrow and that my mortgage payment will increase from {$970.00} to {$1500.00}. I reached out to the mortgage company. They explained that the shortage was due to me not having the property insured and that they had to get insurance on my behalf. This caught me off guard because I was unaware that my insurance company dropped me. Even more important, I never received any written notification of any forced placed insurance being placed on the property prior to the mortgage company acting. In fact the insurance company didn't notify me either. The insurance policy was cancelled in XXXX of XXXX. I found out XXXX of XXXX. The policy has been reinstated and the mortgage co has been sent proof of the new insurance. I have tried to reason with the mortgage company to reassess my inflated mortgage payment but, they are uncooperative. The mortgage company did not send an intent to contract a forced placed insurance prior to doing it.
Product: Credit reporting

I have repeatedly disputed a chapter XXXX bankruptcy on my credit report with TransUnion. Each time they have responded back that they verified the information. I have repeatedly asked for evidence to support their claim and their procedure on how the investigated it. They have failed to provide me with a copy of any viable evidence submitted by Iowa Federal Court in XXXX XXXX, substantiating their claims. After verifying with the Iowa Federal Court in XXXX XXXX that they did not supply any information to TransUnion, nor has TransUnion requested the information, I called TransUnion and spoke with their Dispute Center. The representative that I spoke with advised me that they did not verify the information with the Iowa Federal Court in XXXX XXXX. She stated they verified this information through XXXX. I followed up with XXXX and disputed the item with them. After their re-investigation, XXXX removed it from my file which they maintain under my social security number. When I requested they re-investigate my dispute, I attached the documentation from XXXX showing that they permanently removed the bankruptcy from my file for their review. I faxed the information and I mailed them a copy via certified mail. I believe they have been acting in bad faith, and have not complied with the Federal Trade Commission ( see 15 USC 41, et seq. ), TransUnion never marked my credit report as being disputed either.
Product: Credit card or prepaid card

I cancelled my Bank of America credit card. They sent me a new one I didn't ask for. 
I never activated the card they sent, charges appeared on the card I DID NOT ACTIVATE B of A cancelled the charges and said they would cancel the card. But the account is still open and contacting them is incredibly difficult. I DO NOT WANT THIS CARD OR ANY OTHER B OF A PRODUCT. I want them out of my life.
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 any item 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 Balance - ; XXXX XXXX XXXX XXXX XXXX {$37000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX 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: Credit card

My personal information was stolen years ago and used for several unauthorized accounts on my credit report. i would like these accounts off my report immediately. 
I've filed fraud and identity theft XX/XX/2023
Product: Checking or savings account

On XX/XX/XXXX Chase charged me XXXX XXXXXXXX {$100.00} in overdraft fees even though I previously told them not to honor charges if they balance could not support it. They did the same thing on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX totaling another {$100.00}. 

I used ever feature available in their app to disable overdraft protection yet they persist in running this moneymaking scam. I told them the last time this happened that I did not want overdraft coverage and they removed the overdraft charges. Today they refused. They are STEALING MONEY FROM A XXXX PERSON ON A FIXED INCOME.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed that there was a count that I did not open. 
XX/XX/year> in the amount of {$720.00}
Product: Credit card or prepaid card

I was provided an offer of credit card issued by Bank of America in XX/XX/XXXX which had an 0 % Promotional APR for a certain period of time.

I accepted the offer and received a credit card soon.

However, I have never received any notification or reminder from Bank of America to specifically let me know when the 0 % Promotional APR ends. 

In XX/XX/XXXX, I accidentally found my credit card was charged of {$88.00} for the interest. 

On XX/XX/XXXX, I went to the BOA branch in XXXX XXXX, NY and paid off all of my existing balance of {$7400.00}. Then I called BOA customer service to see if I can request a reverse of the interest charged, but my request was declined. 

On XX/XX/XXXX, I made another payment for the new balance of {$300.00} online. Then I called BOA customer service again to request a reverse of the interest charged, but my request was again declined. 

I was trying to explain that Bank of America had never sent me any type of notification or reminder to specifically alert me of the date that the 0 % Promotional APR of my credit card ends. If I were notified of the ending date of the 0 % Promotional APR, I would have paid off all the balance in time to avoid high interest rate. 

As a consumer, I feel its unfair for the bank to ignore or fail to notify or alert the consumer about the critical timeline/date that have a dramatic impact on their interest/benefit such as change of the interest rate. Their failure to do so is apparently an action of taking advantage of their consumers. I hope Bank of America can fix their policy to prevent this problem.
Product: Money transfer, virtual currency, or money service

identify you and your account. 
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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