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

I am writing to request the blocking and deletion of certain accounts and inquiries from my credit report. I am a victim of a data breach, which has left my personal information vulnerable to unauthorized access. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of the following entries : Accounts : XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$1300.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$9200.00} XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$2400.00} XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$400.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid my payments on time with XXXX XXXX XXXXXXXX XXXX XXXX prior to COVID. I lost my job in XX/XX/2020 and struggled with my car payment for the Months of XXXX, XXXX, and XX/XX/2020. I struggled to make full payments in XXXX, XXXX, XX/XX/2020, however I did make partial payments during this time. I called to request help and was told that they cant remove the late payments and they generate due to full payment not being made. I mentioned that President Trump had passed the bill to work with customers due to fact they received relief funding. It was my understanding that during this time customers were not going to be marked late especially for partial payments that I made. I did call the Credit union about the past dues and they stated they could not be removed off my credit report well part of this bill was not to negatively impact credit and stimulate the economy. I feel that these late payments should be removed. I immediately caught up the car loan payment and have been on time with the exception of when out of work.
Product: Checking or savings account

At XXXX on XX/XX/XXXX, I deposited my personal {$190.00} check into Chase checking account at AID # XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX My account at Chase and XXXX XXXX XXXX XXXX upon which the amount was drawn are in good standing. My transaction receipt stated " Notice of delayed availability '' and " Date funds will be available XX/XX/XXXX. '' I immediately entered the bank to inquire as to why. The teller told me she could not provide an answer because she didn't have access to ATM transactions. I then approached XXXX XXXX XXXX XXXX XXXX for his insight. He investigated further but could not ascertain any additional information. He advised that I watch my XXXX account to see when the check cleared, provide proof it did and he would do what he could to release the funds sooner than XX/XX/XXXX. On Monday XX/XX/XXXX at XXXX XXXX, I emailed the screen grab of my XXXX profile that proved my check cleared on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX stated he still could not release the funds because of a hold up on XXXX 's side. My XXXX banker, XXXX XXXX researched his claim and found no evidence of this. I attached XXXX XXXX findings to my followup email to XXXX XXXX XXXX XX/XX/XXXX at XXXX. Funds still were not released until XX/XX/XXXX.
Product: Checking or savings account

Bank refused to deposit my check for XXXX as I wrote XXXX XXXX and no instead of XXXX XXXX and no. This led to having them have to mail the mail the check back to me, as there is not a Bank of the West in my state. This is the account associated with my RV loan. I I meant XXXX I would have written XXXX and XXXX/XXXX. It's very petty and puts Mt account at risk of over draw on my RV payment.
Product: Checking or savings account

On XX/XX/year>, at XXXX XXXX XXXXXXXX. I tried to access my Citizens bank accounts to check my balances, both savings and checking, whether the funds are sufficient to cover a check or whether I need to transfer funds from saving to checking account. I tried to do my banking online, as I usually do. I was denied access to my online account. I wasn't even allowed to enter my sign in information. Instead, a message appeared stating in part " Our team is actively making changes to improve overall customer experience. We appreciate your patience ... '' No information was provided as to how long I am supposed to be " patient. '' I have waited for XXXX min and tried again and was denied access again. I have tried calling the bank to check my balances and do the fund transfer by phone but was denied that as well. After I have entered my SSN and account number, the automated message stated that currently there was no access to account information. I have tried getting into my account online after 1 hour again. And again was denied access. My situation was urgent, as I can be charged penalty if there are insufficient funds in my checking account and it also prevented me from using my checking account to pay my bill; and I was repeatedly denied access to information about my accounts without any reason.
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. 

Account name | Account number XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer Report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not the first time complaining and they are ignoring my request.. I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX and after few days without any chance to verify ( validation period ) my records ( 30 days to ask for verification ) or according to the FDCPA, XXXX XXXX XXXX placed the account XXXX in my credit report in a clear violation of the law. 
Previously contacted XXXX  via CFPB to obtain copy of any CONTRACT or ORIGINAL DOCUMENTS to validate any debt but the answer was they try to contact me in a old address which has not been a verified address without any success but now they decide to validate by themself. 

The report show inaccurate and not validated information because during the time they are indicating to the credit bureau, i was not living at the address so how XXXX could open an account and charge every month using my identity and social security. 
See residency letter from shelter during the period open and charge under my name. 

XXXX shows day account open XXXX and EQUIFAX XXXX ( inaccuracy open dates ) XXXX shows as closed account vs EQUIFAX shows as Open account. ( inaccuate status ) XXXX XXXX reported amount XXXX XXXX and EQUIFAX XXXX ( Inaccuarte balance ). 

The address attached to the account has been a cause a few fraudulent credit account open using my identity. 

This information is submited by XXXX XXXX XXXX TO XXXX AND EQUIFAX WIHOUT ANY VALIDATION OR VERIFICATION. 

During that time frame and before I was living in a shelter so the dates obviously are incorrect XX/XX/XXXX until XX/XX/XXXX, previous that address I was living in a hotel room for 6 month since XX/XX/XXXX and previous to the hotel room my addres was in zip code XXXX in the XXXX since XX/XX/XXXX until XX/XX/XXXX ( 1 year ) the amount is wrong and somebody used my information to open the account.. XXXX XXXX XXXX violate the 30 days period and the Credit Bureau XXXX AND EQUIFAX allow them to post false, Inaccurate and not valid information without any support. 
XXXX XXXX XXXX break the FDCPA 809 section by posting information without validation in the frame time of 30 days according to the law. 

XXXX AND EQUIFAX is in violation of the FCRA by allowing XXXX XXXX XXXX posting inaccurate, false, not valid information hurting my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1981 Dear Consumer Financial Protection Bureau XXXX I am writing to formally dispute inaccurate information on my credit report and highlight multiple violations of the Fair Credit Reporting Act ( FCRA ) by various creditors. The following accounts have been reported with incorrect data, which has adversely impacted my financial standing and overall well-being : XXXX XXXX  XXXX Account XXXX : XXXX and XXXX These accounts have been inaccurately reported as having late payments, which never occurred. I am deeply troubled by the fact that false information is being used against me. I have never been late with any payments, and I demand that this harmful incorrect data be removed immediately from my credit file. The inaccuracies have caused me unnecessary stress and concern, affecting both my financial well-being and emotional state. 

XXXX : Account Number : XXXX I have no recollection of this account, and it is not possible for it to be associated with me. I urge you to remove this frivolous account from my credit report. Keeping an account that I am unfamiliar with negatively impacts my financial reputation and raises concerns about the accuracy of my credit report. 

XXXX XXXX  : Account Numbers : XXXX and XXXX I strongly dispute any association with XXXX XXXX, as I have no recollection of being connected to this company. The continuous verification of these accounts raises serious doubts about the accuracy of the information being reported. I demand that these frivolous accounts be removed from my credit file immediately to ensure the integrity of my credit report. 

XXXX : Account Number : XXXX Similar to the above instances, I have no recollection of this account and demand its removal from my credit report. The presence of unknown and unverified accounts tarnishes my creditworthiness and must be rectified. 

XXXX : Account Number : XXXX XXXX : Account Number : XXXX CAPITAL XXXX : Account Number : XXXX For these accounts, I have no recollection of their existence and insist that they be removed from my credit report immediately. The reporting of these accounts, which I have no knowledge of, calls into question the accuracy and legitimacy of my credit profile. 

These inaccuracies have caused considerable distress, as my financial reputation is unjustly compromised due to information that is not only inaccurate but also unfamiliar to me. I implore the Consumer Financial Protection Bureau to enforce the FCRA and rectify these violations. The emotional and financial toll that these inaccuracies have taken on me is immeasurable. 

I kindly request that you intervene on my behalf and ensure the prompt removal of these unverified accounts from my credit report. Additionally, I ask that a thorough investigation be conducted to address the damages caused by these inaccurate and frivolous entries. 

Thank you for your attention to this matter. I am appreciative of your assistance in resolving these violations and helping me restore accuracy and integrity to my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX supposedly of XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, MS XXXX PHONE : XXXX ; FAX : XXXX originally contacted me at my place of employment around the 1st part of  XXXX, XXXX in regards to a medical bill owed to XXXX XXXX XXXX located in XXXX XXXX Hospital, XXXX, AL. I asked for proof of the debt, which they mailed, and in return, I explained to XXXX that I would also be contacting my health insurance company XXXX for an XXXX, because I have bank records that I in face paid XXXX XXXX XXXX during each visit that I made for physical therapy. 

I have been working to get this resolved, but getting in touch with a representative at XXXX as well as getting copies of cancelled payments from my bank, as we know, takes a little bit of time. I have NOT been ignoring XXXX, and have only wanted to resolve this matter. 

On XXXX XXXX, XXXX, they contacted my place of employment, and instead of asking directly for me, began asking very personal questions to an employee of mine about me. Additionally, they stated they wanted to " verify my employment ''. My subordinate explained to the caller, that they would need to fax something over, and she gave them the fax number. My employee immediately came to me with the number off of caller I.D., and informed me of this. I immediately returned the call to XXXX, and told them I was still trying to get the matter resolved, but they had now over-stepped their boundaries in a very severe way by contacting my office and wanting to verify employment on me. I explained to the lady on the phone that by calling someone 's job and doing an employment verification on them, that that gives the impression that someone is looking for another job. And I told her to NOT fax anything to my office, and to immediately cease all communication with me, and she said that she would. 

On the morning of Tuesday, XXXX XXXX, my supervisor approached me as to why there was an employee verification form on the FAX machine for me, and asked me if it was my intention to be leaving soon. I had to explain to my supervisor as well as my companies regional manager that I was not leaving the company, nor did I have any desire to, and that this was all from a ( what at this point appears to be ) scandalous fraudulent company about a medical bill  that I had. Moreover, the " Verification '' letter they sent, had my social security number on it, and was just lying on the fax machine for anyone to pick up. 

Today is Tuesday, XXXX XXXX, XXXX at XXXXCDT ; and I am requesting and insisting that all communication rather it be via telephone, FAX, e-mail, text message, US Mail, telegram, or messenger from XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX to cease effective immediately, as is my right under the FCRA.
Product: Credit reporting or other personal consumer reports

My credit has been locked with all three credit bureaus for some time now. I placed locks or freezes on my credit individually with each of the three credit bureaus, Experian, XXXX, XXXX. 

Unfortunately, despite this my credit was accessed by a dental office during a consultation appt. Without my authorization for {$10000.00} line of credit for a XXXX XXXX XXXX  from XXXXXXXX XXXX  on or about XXXX XXXXXXXX XXXX 

This should not have been possible given freezes and/or credit locks were active and enabled with each of all three credit bureaus. Upon my investigation I discovered this had been reported to all of the three credit bureaus and listed on my subsequent credit reports. Both the hard inquiry and active account. 
I immediately initiated disputes with each of the three credit bureaus. Advising that these actions were unauthorized and should had been prevented as active credit freezes and/or credit locks were in place. 
After requesting detailed explanations for this breakdown in security and requesting detailed information related to my dispute and related investigations which lead to the credit bureaus to verify the credit information as accurate. 
All three credit bureaus failed toe provide any information related to how this how credit was accessed, account opened, and then verified as accurate after my disputes. 

This is a gross violation of my basic consumer protection rights and yet another blatant example of giant corporations seemingly ignoring consumer rights and protections. Even when those consumers take an active role to protect their credit from unauthorized use.
Product: Credit reporting or other personal consumer reports

BoA has reported my account as delinquent, in response to an autopay error on their end. My credit has fallen from XXXX XXXX XXXX because of their error. The statement is not accurate, as autopay was set up and payment was sent but the company rejected the autopay, and then did not mail any paper letters or reach out via message, email, or phone to alert me. 

Explanation of issue : I had autopay setup for a pre-determined amount ( {$140.00} ). I had a final bill of {$31.00} in XXXX. When the autopay was sent for the final bill, it was rejected by BoAe because it was greater than the balance. 
I received no letter, phone call, or email warning me that I was late in payment or that the autopay payment was returned. 
Bank of America then marked my account as delinquent. 
As soon as I realized what had happened, I paid off the balance. The customer service representative assured me he would remove the delinquency from my account, but that has not happened, so I am hoping you can help me move this case along. 
Steps I have taken : I started a dispute process with Bank of America 3 months ago. I have called them to check in on it and each time and told that it has been escalated, but that the timeline for resolution is undetermined and they can provide no further details. There is no paper trail or case number in my account portal with them. 
I opened a dispute with XXXX XXXX XXXX, and they came back with the determination " The information you disputed has been verified as accurate ''. 
I would greatly appreciate your assistance with moving this case along as there seems to be no resolution in sight from BoA, and they did not communicate any of the failings of their autopay system. 

Best, XXXX XXXX XXXX
Product: Debt collection

To Whom It May Concern : XX/XX/XXXX Reference Account # - XXXX Reference Account # - XXXX I have filed disputes with the three credit reporting bureaus ( XXXX, XXXX and XXXX ) all three disputes were sent by certified mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding two collection accounts being reported by Professional Finance Co. The collection accounts in question are both regarding an original creditor, XXXX XXXX XXXX XXXX. I have requested each of the three credit bureaus as well as Professional Finance Co to validate this debt by providing a contract that bears my signature or any documentation they can provide to prove this was in fact my account. Letters were mailed directly to Professional Finance Co on XX/XX/XXXX also by certified mail. Both XXXX and XXXX have deleted both of these accounts ; however, XXXX is stating that these accounts have been verified by the collection company, Professional Finance Co. I have attached the XXXX and XXXX dispute responses which reflect these accounts have been deleted. 

If Professional Finance Company has an obligation to report accurate information to all three credit bureaus, why is there a discrepancy in their reporting methods? 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX  XXXX {$5400.00} DPT EDXXXX XXXX {$1300.00} DPT EDXXXX XXXX {$5400.00} DPT ED XXXX XXXX {$2800.00} DPT EDXXXX XXXX {$800.00} DPT EDXXXX XXXX $ 2864DPT ED/XXXX  XXXX {$2300.00} DPT EDXXXX XXXX {$2000.00} DPT ED XXXX XXXX {$4500.00}
Product: Mortgage

I did a reverse mortage on my paid for home. At the time I was mentally unstable. The company made arrangements with all services that were supposed to be done and paid before reverse mortage could be done! Appraisal, termite treatment and other. After loan I had to pay these expensive things which left me hardly any money. The house needed major expensive repairs. I was last with no money to repair house. Now much worse. Owe XXXX. XXXX to fix is XXXX and neighborhood sells in XXXX to XXXX. Not worth doing. This leaves me with nothing to leave my XXXX childred after working since I was XXXX yrs. XXXX. The company XXXX is rude. Won't listen at all. Because of house condition insurance companies will not insure. The city condemned house about XXXX yrs ago. I still live here with not even heat. So cruel and unfair. I would have never done if I was in my right mind. Have no idea how they did this.
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. 1 XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX. XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANK NA # XXXX, XXXX : # XXXX, XXXX XXXX BANK : # XXXX, XXXX XXXX XXXX BANK : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported a charge off on a lease that was returned over a year ago. 
the unscrupulous dealer ( XXXX XXXX NJ ) advised at the lease end that any fees would be adjusted based upon the fat that I had 3 leases with XXXX all in good standing. 

XXXX reported it as a charge off this is unfair business practices as their dealer stated no charges were due at lease termination.
Product: Debt collection

Hello, On XXXX/XXXX/XXXX I called General Credit Services and spoke with a representative named XXXX to pay a collection that was reporting to the major credit bureaus. I paid a total of {$440.00}, confirmation # XXXX. XXXX advised me that the derogatory collection would be REMOVED from my reports within XXXX days. 

On XX/XX/XXXX the collection was still reporting so I called and again spoke with XXXX who stated that they had requested deletion of the collection and gave me a confirmation number of XXXX. 

This month ( XX/XX/XXXX ), I have checked my credit reports and the collection has NOT been removed.