23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I filed a FRAUDULENT claim with Bank Of America in 2022 Over a year ago. I was scammed out of $ XXXX As I never received a edd prepaid bank of america card before, so All transactions made were not me an I was sent a new card apparently, However that I still never received an they sent a new one, But there were no funds on it. 

I've been calling an complaining for over one year an I still havent been told of a final determination to the investigation NOR have I received any probisional credit or my money returned. Ive been evicted, Lost my cell phone due to mon payment, Lost my car, Ect ..... I NEED MY MONEY. 

Bank Of America is in No rush to resolve or credit me what is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.
Product: Checking or savings account

I had a business account with Bank of America for years and they suddenly decided to close it in XX/XX/2023. They sent me a letter that they have closed the account and that the funds will be frozen until they finish reviewing the account. Since they I have not heard anything from the Bank. On XX/XX/2023 I walked into the Bank to ask about my funds and they didnt have any answers either. All they gave me was my statement. I have called them several times without any answers!
Product: Debt collection

I keep getting a call about them delivery documents to me or my place of employment. The credit card company no longer exist Salute. I was told that I owe them about XXXX back in XX/XX/2021. This over 18 years old. XXXX XXXX stated if they can not give me the documents it will be reported to the company as a refusal. No company name is given only a phone number XXXX. She said that she was with a courier service no name given of the service she is with. The call shows up as unknown or no caller ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Delete these accounts now I didn't receive proper documentation from any of the companies as I requested and the 15 day timeframe they had has expired. Due to lack of proper communication I demand these accounts deleted immediately or I will file for litigation for my rights as a consumer have been violated and I am devastated by your lack of help to the consumer. My credit is very important to me and my rights are being violated and I am in a XXXX XXXXXXXX due to this situation, handle this matter to my liking or I will take further action to get the results I demand.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that XXXX  XXXX XXXX ACCT # XXXX or ACCT # XXXX is attempting to collect on an expired debt. I am invoking my right to cease them, based on factual law that this debt in question is legally expired under the Statute of Limitations and Must be Deleted from my credit report the last date of activity was XX/XX/2017 I am completely aware of how long the debt is legally collectible and how long it is legally reportable. I realize an OPEN-ENDED DEBT is allowed to be reported to my credit for 3 years in the state of Virginia according XXXX XXXX XXXX XXXX. XXXX et. seq. My research has shown me that often a collection agency and original creditors will reset the date of the original charge off to the date they purchased or sold it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I am informing you of this knowledge so that you can make the credit bureaus do the right thing. 

Also, this account is showing 2 different kinds of account number based on the credit report. Acct # XXXX and XXXX
Product: Credit reporting or other personal consumer reports

The Account that is disputed is for {$81.00} it is also saying it is a Open balance to XXXX XXXX XXXX and they are the Original creditor which is false/inaccurate and misleading. 
There are also XXXX other accounts that show being closed which needs to be deleted as well per 15 USC 1601, 15 USC 1681 and 15 USC 1692. All names, addresses and phone numbers need to correct to the current information.
Product: Debt collection

In XXXX, 2015 I entered a written dispute with ARS ACCOUNT RESOLUTION SERVICES reference account numbers XXXX, XXXX, XXXX and XXXX as contained on my consumer credit profile at XXXX XXXX XXXX. Specifically alleged, ARS ACCOUNT RESOLUTION SERVICES was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said accounts were appearing twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 

ARS ACCOUNT RESOLUTION SERVICES failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ARS ACCOUNT RESOLUTION SERVICES an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ARS ACCOUNT RESOLUTION SERVICES failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of these accounts. 

A review of records compiled by the XXXX Financial Services in Florida indicates that ARS ACCOUNT RESOLUTION SERVICES is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to ARS ACCOUNT RESOLUTION SERVICES have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said accounts remain on my XXXX XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud.
Product: Student loan

I co-signed for my ex-husband student loans. My ex stopped paying them, but the lender never notified me he stopped paying. They sent debts to collector who started harassing me at my job to pay loans in full. I tried to refinance them, but could not because they are not my student loans. I have been making monthly payments to fulfill my obligations, but I still get harassed every 6mos demanding full payment. No one will refinance the balance and no one notified me when loans first become delinquent. I 've been working with lender, but this still reports as delinquent collections on my credit despite the fact I 've been paying for three years and was never notified until 12 months after payments ceased. Do n't lenders have an obligation to notify co-signers before the negatively report credit? Should n't I get a second chance after three years of on time payments? My credit is suffering because lender never tried to contact me.
Product: Credit card or prepaid card

Comenity Capital Bank sold to XXXX XXXX XXXX a credit card balance of {$600.00} for purchases allegedly made at the XXXX XXXX XXXX XXXX XXXX  by me. 

The reality is that I never have had a credit card account with XXXX, XXXX and XXXX, nor I have ever received a statement of account or any collection communication from such store or Comenity regarding any credit card outstanding balance. 

As a result of this my FICO score has plummeted from XXXX to XXXX and increased the cost of credit of my new loan applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is closed and I'm trying to have it removed from my credit report Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX is INTENTIONALLY incorrectly reporting to all 3 bureaus and in an unethical way. 

Facts : The XXXX Leased XXXX Automobile was VOLUNTARILY RETURNED early, in XX/XX/XXXX. 
XXXX XXXX XXXX took until XX/XX/XXXX to CLOSE the account ( they themselves stated on the phone that this was indeed the date they CLOSED the account out. 
XXXX SOLD the auto at Auction and then accessed a charge to me for around {$12000.00}. which I never agreed was a fair cost to return the leased auto early. 
XXXX XXXX XXXX continually changes the closed date of the account to the 3 credit reporting agencies/bureaus with random RECENT dates to keep impacting my credit to reflect that I JUST RECENTLY allowed an account to default ( the last time they stated the account was closed is XXXX of XXXX! ) or they change the STAUTS of the account to show that the auto was recently REPOSSESSED! 
The automobile was NEVER repossessed, it was never paid LATE, it was simply returned to XXXX XXXX XXXX in XXXX, Texas by me when I informed them that I could no longer afford to lease the vehicle, in XXXX of XXXX. 
I have called and called and disputed and disputed with XXXX XXXX XXXX via phone and mail. I have also disputed over and over with XXXX, XXXX and TransUnion as well. Yet, no one can or will simply report accurately the FACTS and TRUE date the account was LAST PAID ( XX/XX/XXXX ) and the TRUE date the account was CLOSED finally ( XX/XX/XXXX ). 
XXXX XXXX XXXX representative just TODAY told me on the phone that if I will start making payments on the Early lease-break fee they accessed of $ XXXX, that they THEN would possibly correct the dates to reflect accurately. I CAN NOT think that this would be allowed, this is highly unethical collection behavior to purposely report inaccurate dates to try to force a payment 6 years later.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with Equifax was hacked and my personal information was exposed. I signed up with Equifax for their Credit Monitoring service. I requested that my account be locked. 

I later tried to unlock the report on line, so that I could apply for internet/telephone service for my home. When I tried to log in, I was told that my password was no longer valid. They had a feature to reset my password. I asked them to do that, but they never sent me the link to reset it. 

None of their telephone numbers connect to a live person, so I can not explain the problem. 

My credit report is now frozen and because they will not send the password reset, I can not complete my consumer transaction. The telephone company only uses the Equifax report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handing of disputes, Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times a And reporting discrepancies, my financial institution failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions were unfeasable. The CFPB findings indicate that XXXX has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file an official dispute regarding inaccurate and unauthorized information that has been repeatedly reported on my credit reports by XXXX XXXX XXXX XXXX XXXX XXXX  This collection account does not belong to me, and its continued presence on my credit files has caused me significant financial hardship, in violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I have the right to dispute and seek the removal of any inaccurate, incomplete, or unverifiable information on my credit reports. The following provisions are relevant : 1. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires credit reporting agencies to " promptly delete '' any item found to be " inaccurate or incomplete or can not be verified '' after a reasonable reinvestigation. 

2. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers like XXXX from providing information to credit agencies that the furnisher " knows or has reasonable cause to believe is inaccurate. '' 3. 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ) requires furnishers to appropriately modify, delete, or block the reporting of any information that can not be verified as accurate. 

Despite my previous disputes and requests for verification, XXXX has failed to provide any evidence that this collection account belongs to me. By continuing to report this inaccurate and unverifiable information, they are violating the FCRA. 

I have enclosed copies of supporting documentation. I am escalating this matter to the CFPB and demanding this inaccurate collection be promptly deleted from my credit reports as mandated by law. 

If the appropriate corrections are not made within the legally required timeframe, I reserve the right to pursue further legal action against XXXX and the credit bureaus for willful FCRA violations and any resulting damages. 

Thank you for your attention to this serious issue. I look forward to your investigation and a resolution.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX I had to go pawn my title. I really didn't want to do it because I was really proud of myself for paying off my XXXX but my husband got ill and I'm a housewife. So I did it. I told the sales person that I never done this before and I really don't understand how it works. So he explained it to me and told me that I got the BEST rate out of most of the people that comes in there. I told this person my situation and that bills piling up and getting disconnected. So made me believe that I was doing the right thing and I had the BEST rates and I believed him. The loan was for {$3000.00} I have to pay back {$4100.00}. I still signed it because of my situation. But now it's {$4600.00}. I've made on time payments of {$520.00}. So far I've paid {$2000.00} and my balance still the same. I called and asked about the balance, and told me to sell my car to someone to pay them. I told her that the guy should have told me that I'm just only going to be paying the interest. I would have NEVER done it. I can't afford to lose my car and I can't afford to keeeeeeeep paying and NEVER getting anywhere with the balance. HELP ME. I WAS VERY MISLEAD.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX 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 or other personal consumer reports

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

I just recently had a debt of {$400.00} pleased from capital one I do not owe them any money in this account was obviously open fraudulently. Furthermore I am part of the XXXX breech and it is becoming increasingly obvious that my information is being used by someone else. I am a recipient of XXXX and I have been waiting for my credit score to read 640 so there is no possible way that I would do this to myself I am taking legal action.
Product: Credit reporting or other personal consumer reports

I'm in the process of proving my side of outrageous late payments, very large balances not caused by me. Especially my account with XXXXXXXX XXXX which was my favorite and most well taken care of. I was bringing XXXX more payments to submit from my bank account. And how I accidently paid twice the amount of {$230.00} within a couple days and waiting patiently for them to send it back, which they never did. All I have to fight this with is XXXX cellphone with internet access. No laptops or desktops. It will take time. I'm sorry but even before I got that fAr, I needed to change that personal statement. That question which wanted me to lie and pick a bankruptcy answer, would not let me advance to start uploading my evidence. I asked the customer service guy, was I just suppose to give up and stop? I then informed him I was reporting this incident to the proper government authorities cause this tactic is not fair to the consumers who do stop and give up! 

I would say Experian tactics who favor the big companies is not as bad as Transitions using now by not sending me a code to prove who I am by my cell phone. It's been XXXX weeks of trying and I'm still unable to get back in.
Product: Mortgage

I received a letter saying my mortage was sold and I was to send my payment to a new mortage company. Two weeks later, after I had already sent my payment to the new mortage company, I received a letter saying they made a mistake and I should keep sending my payment to them. 
I have been over 18 months trying to get my payment credited to my account. They have admitted it is there mistake, but have done nothing but harass me about a late payment since. 
I do n't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CREDIT FILE : XXXX XXXX, XXXX Confirmation # XXXX contacted XXXX regarding incorrect reporting of XXXX XXXX incorrectly reporting Acct # XXXX. Account was discharged in Bankruptcy XXXX XXXX. However the account keeps returning on my Credit file. After 3 attempts to correct the error you are my last hope. The last response from my dispute is as follows : We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX/XXXX XXXX XXXX ACC # XXXX   XXXX XXXX ACC # XXXX XXXX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX  XXXX XXXX PLEASE UPDATE MY ADDRESS TO CREDIT REPROT XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX THESE ARE FRAUDULENT ADDRESSES XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX  - REPORTED XX/XX/XXXX - XX/XX/XXXX PLEASE UPDATE MY PHONE NUMBER TO FRAUD ALERT XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 


Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

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 ti prevent and address fraud on their platforms, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirement sunder 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 or other personal consumer reports

These accounts are Inacourate and I`m seeking litigation please delete at once. Compensate me {$1000.00} per inquiry violation for all the damages that. I received to 15 USC 1681n & 15 USC 1692k.
Product: Vehicle loan or lease

About 13 years ago, I had bought a car that was financed through Prestige financial, out of Utah. I had made a few months payments, until, it was not financially feasible to continue with the loan. I had asked them what my options were, and finally found someone to take over the loan. 
The person that took over the loan, made 1 payment, then defaulted, and did not. Follow thru with the transfer of the loan. 
Pristige, ended up getting the car back, selling the car, then months later I was contacted, saying that I still owed, around XXXX for the car. 
I had tried, to work something out with them, 13 years ago!! To no avail. Meanwhile, I just received a letter from my employer that they got a judgment against me for {$26000.00}!!! And, are going to garnish my wages. The car was worth about {$5000.00} max. I was living in XXXX, when this happened, and currently live in XXXX. What can I do?? Prestige, has a horrible record of predatory lending, and are abusive, in there practices. 
Since this fiasco, I have financed and paid off! 2 vehicles. Please help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX filed a complaint with lexis nexus for illegally obtaining information about me and reporting it to credit bureau concerning a public record.that the company said it verified from the bankruptcy court
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the lates that were on my credit report from all the bureaus Equifax, XXXX   and XXXX. All three have not removed the late from XXXX XXXX after being provided proof.