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

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX, CLOSED ACCOUNTS <DEPT OF ED / NELNET> Closed on XX/XX/XXXX, Highest balance {$2000.00} <DEPT OF ED / NELNET> Closed on XX/XX/XXXX, Highest balance XXXX ) ( XXXX, XXXX ACCOUNTS <DEPT OF ED / NELNET> Closed on XX/XX/XXXX, Highest balance {$2000.00} <DEPT OF ED / NELNET> Closed on XX/XX/XXXX, Highest balance XXXX XXXX ACCOUNTS- <US DEPARTMENT OF EDU> last reported XX/XX/XXXX, Highest balance {$9000.00} <US DEPARTMENT OF EDU> last reported XX/XX/XXXX, Highest balance {$2400.00} ) This is making me lose confidence in the banking system due to these violations. I the consumer do not grant XXXX, XXXX, or XXXX permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. by the Fair Credit Reporting Act XXXX  XXXX, XXXX, and XXXX have violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unverified accounts that remain on my report. I have tried multiple times to get these accounts removed ; the credit agency has not provided a method of verification yet they continue to report negative items that impact my ability to be approved for other lines of credit.
Product: Credit card

On XX/XX/year> I received an email from XXXX inviting me to apply for a credit card. If approved I would receive a {$300.00} credit if I spent {$1500.00} in 60 day. 

I applied and was rejected because they claimed they could not verify my identify even though I sent them a copy of my drivers license. 

I called then and said that I could provide any thing they needed. They said that can not make a decision- only the computer could do that. 

I have an XXXX XXXX XXXX.
Product: Debt collection

According to XXXX XXXX XXXX 's assertion I am allegedly obligated to pay a purported debt with them. the problem is I don't ever recall entering into any contractual agreement with this company or having a debt associated with this company The inaccurate reporting of this alleged debt is causing harm to my creditworthiness.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report, I noticed hard inquiries that I did not make, nor did I approve anyone to pull my credit report. Also, I noticed that a creditor is reporting inaccurate information on my credit report. 

Inaccurate Reporting : XXXX XXXX XXXX, failed to properly report correctly pay information and placed late payments on consumer report. 

Inquiries Listd Below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I need all of these inquiries that I didn't make or authorize removed from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM financial has refused to remove an inquiry that got on their system from identity theft. GM financial is claiming they got permission from the dealership but I never gave the dealership permission to even submit my information to GM financial. GM financial is now refusing to try to work with me to get this removed. I want GM financial to deal with the actual issue that they pulled my credit with no permission from me therefore by law they have to remove it nobody else can do that.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XXXX XXXX to remove accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX XXXX already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed XXXX {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$4500.00} - XXXX XXXX XXXX XXXXXXXX Balance Owed : {$820.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$890.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXXXXXX XXXX XXXX  CA XXXX XXXX XXXX Bankruptcy Reference # XXXX XXXX XXXX XXXX  Balance Owed : {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 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 redresses 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 for these violations.
Product: Checking or savings account

I opened my account expecting to be paid a {$300.00} bonus for meeting certain requirements ( receiving a minimum of {$4000.00} in direct deposit within the first 90 days ). After meeting the requirements, I called the bank to ask about the bonus. I was told to wait 60 days. Called after 60 days and was told someone would call me back. But never got a call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three items on my credit report all three do not belong to me and I have no idea where they came from, please see below. 

XXXX # XXXX for {$1600.00} XXXX # XXXX for {$430.00} XXXX XXXX # XXXX for {$370.00} None of these belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021. {$7600.00}. I have requested Honda Financial service to update the account as I no longer owe them and have a XXXX  balance. the account is reporting that it is in collection and and I have a outstanding past due balance which I dont have with them because we have come to a settlement and I now owned the vehicle. Theyre reporting a closed paid account as in collection and negatively hurt my credit and so I cant get approve for loans. I have also disputed this to the credit Bureaus and they told me to contact Honda financial service, then Honda financial service telling me to go back to the bureau. They are double reporting a account that is paid as in collection with a balance
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Bank Account XXXX XXXX XXXX XXXX XXXX XXXX Bank Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX # XXXX In accordance to The Fair Credit Reporting Act, the accounts listed above has violated my rights. 

XXXX U.S.C 1681 Section 602.A States I have the right to privacy 15 U.S.C 1681 Section 604.A .Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit card

On XX/XX/24 I purchased a mattress from Macy 's XXXX XXXX using my credit card. I was to be using the XXXX  month interest free payment plan. I had never received a billing notice for this purchase but made a payment in XXXX anyway. 

On XX/XX/24, {$2900.00} was automatically taken out of my checking account to pay this in full. Now I am overdrawn and very concerned about my credit rating. 

Today XX/XX/24 is the first time I noticed this as I went into my bank app and saw that I was overdrawn. I called Macy 's and spoke to " XXXX '' XXXX ID XXXX. I had to give him my checking account number and routing number. 

XXXX logged this information and sent it to his " dispute '' department and said that they will reimburse me in XXXX billing cycles. This means they won't reimburse for XXXX days! 
Meanwhile, I am overdrawn. 

I called the " dispute '' XXXX and left a message. They are only open from XXXX central time XXXX.
Product: Student loan

I have tried over and over for years to deal with XXXX to pay but they would never agree on a payment I can afford. They will keep calling my job, my cell phone non stop 3 times a day. It 's frustrating and also destroying my credit tremendously.
Product: Debt collection

Apex manage services contacted my employer and my employer said I have a garnishment that I have no idea what for. Over XXXX dollars
Product: Credit reporting or other personal consumer reports

I pulled my credit report on XX/XX/XXXX and seen some inaccurate and misleading information on my credit repotrs. This company has violated my consumer right under the FCRA. This company has also stated that they written this loan off but i never recieved a 1099C for this and im pretty sure they wrote it off to the IRS. Under 15 USC 1681 ( e ) and 15 USC 1681 ( i ) this company has violated my right and I request that this account be removed from my credit file. 
Account info Account name POSSIBLE FINANCIAL INC. 
Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$180.00} written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$190.00} Highest balance - Terms 2 Months Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days XXXX XXXX XXXX Charge off XXXX No data for this period Payment history guide Charge Off as of XX/XX/XXXX, XX/XX/XXXX Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX 90 days past due as of XXXX XXXX  60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Ending in XXXX : This account reflects no reporting data since XX/XX/XXXX and none before XX/XX/XXXX, yet the account is listed as opened since XX/XX/XXXX. 
Additionally, you state the last payment was made on XX/XX/XXXX, but these payments are not reflected on my credit report. This lack of accuracy is unacceptable and constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 
Account Ending in XXXX : This account contains multiple blank columns in my credit report, and none of my payments are reflected. 
You have listed the account as opened in XX/XX/XXXX, with the last payment on XX/XX/XXXX, yet there is no payment history to support this. Again, this is inaccurate reporting and violates my rights under the FCRA. 
Account Ending in XXXX : This account has no reporting information at all. 
It is listed as opened in XX/XX/XXXX, with the last payment in XX/XX/XXXX. However, this account remains on my credit report despite exceeding the maximum reporting period under Texas state law. 
Texas law specifies that debts ( other than bankruptcies ) may only remain on credit reports for 7 years, not 10 years as indicated in your previous communication. This account should have been removed in compliance with the law.
Product: Debt collection

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my repor
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX RE : ACCOUNT NUMBER XXXX, ( ACCOUNT NUMBER XXXX ), ( ACCOUNT NUMBER XXXX ), ( Account Number XXXX ), ( Account Number XXXX ) Dear XXXX XXXX XXXX : I am a victim of identity theft. The item listed below, which appears on my credit report, does not relate to any transaction ( s ) | have made. It is the result of identity theft. 
XXXX. XXXX XXXX XXXX ACCOUNT NUMBER XXXX ) XXXX. XXXX XXXX XXXX ( ACCOUNT NUMBER XXXX ) XXXX. XXXX XXXX XXXX ACCOUNT NUMBER XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Account Number XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Account Number XXXX ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

A copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Driver 's License & Utility Bill Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Debt collection

I filled chapter XXXX bankruptcy in 2009. The office of Glasser and Glasser in XXXX VA was listed in the bankruptcy and did not dispute the case. My bankruptcy was discharged without any problems. Now 10 years later I discover that the same company has placed a discharged judgement on my home. I have contacted Glasser and Glasser for the last 3 weeks. At first they told me that only the attorney involved could talk to them. The bankruptcy attorney I had in 2009 lost her license and practice after my case was resolved. I have a letter from the Department of Justice with the details. Glasser told me to fax that letter to them and they could then talk to me. I have confirmation that this was received. I called them again and was told at first they couldnt find the letter and then when found they couldnt talk to me. I have been told twice that they would have their attorney call me. No calls yet. I have all my paperwork from 2009. I understand that they could be breaking a bankruptcy law by this harassment.
Product: Debt collection

Back on XX/XX/2020, I was granted a Payment Deferral for the month of XX/XX/2020 in the amount of XXXX for my Bank of America mortgage. I have complied with every requirement of this Deferral. Since then, I have received monthly debt collections calls from BAC. I have made no less than 10 calls to the debt collection department trying to get this resolved. Each time someone rightly was able to verify that indeed I have this deferral in place and they claim to try to help and get this corrected, and to date it still hasn't been resolved. I even created a complaint within BAC to try and resolve this and it still hasn't been resolved. The complaint case # XXXX was assigned and I was told would be completed by XX/XX/2020. It still has not been resolved. At this point I am concerned that this will shortly begin to affect my credit, as I am sure this will be reported to one of the credit houses. How is it possible that a large institution such as BAC can not resolve this internal situation for me. Especially since they are the one that offered the deferral to me. I did not go out and apply for this deferral. Because of Covid, they offered it to me and I accepted. I am hoping that someone will be able to assist me with this situation.
Product: Checking or savings account

Problem with New York Community Bank bill pay. Checking account opened XX/XX/XXXX to use online bill pay for bimonthly donations to my XXXX. I made 11 on line payments of {$140.00} ; the first 8 payment checks were mailed to and received by my XXXX  on the designated dates. The XX/XX/XXXX check was never received by the XXXX & my bank indicated check was issued & mailed. I assumed there was a mail problem. 3 subsequent payment ( XX/XX/XXXX thru XX/XX/XXXX ) were mailed & received. However payment # 12 for {$290.00} due XX/XX/XXXX was never received by the XXXX. I inquired about check with the bank as my account listed the payment as an " ACH '' not the normal " Check Paid ''. I was told this payment was not in the form of the normal check but issued as " corporate check '' because the amount was larger. The check has not been received by the XXXX even though money was withdrawn from my account. Bank can not tell me why check was not received on designated date, or what dollar amount threshold required a " corporate '' check. That's a 15 % error rate on payments. The XXXX  regularly receives checks from other banking institutions without a problem.This is not a mail issue.. Today is  XX/XX/XXXX the bank is still holding my money and unable to give me adequate explanations.
Product: Vehicle loan or lease

I paid off the lease on XX/XX/XXXX. 
I live in an Electronic Lien and Title state where this should have been electronically processed with the North Carolina DMV immediately - yet they have yet to receive any notification that the loan has been paid off. In the DMV records, they sent the paper title to US Bank in XXXX at the initiation of the lease and it is still marked as 'leased '. 
I have spoken with many different departments at US Bank over the course of the months requesting that the ELT process be redone - to which they said that was impossible. 
Then US Bank said they would send out a notarized Release of Lien to enable me to get the car titled in my name at the DMV yet as of today, XX/XX/XXXX - I have not received that. US Bank is unable to give me any tracking information on this document though they said they sent it on XX/XX/XXXX to my current address. 
When I speak to them they are unwilling to reinitiate and send in a trackable format. Each department sends me to a different department, saying they will " look into it. '' I feel like they have effectively stolen the car from me. I paid them, yet I have no proof I own the car so I can not sell the car - which I need to do immediately.
Product: Debt collection

The accounts are a result of the XXXX XXXX XXXX data breach and the XXXX XXXX breach. My information was leaked and I was affected. I have filed identity theft reports in XXXX, XXXX, XXXX and XXXX due to the leaked credit information used as fraud. I have tried to dispute information and have been unsuccessful and companies are says info is verified and charged off with no proof of this being the authorization on myself. No explanation in writing or reasoning for validating debt. Being that said it is charged off and no 1099c was sent to me via mailing or email. 
Accounts : Transworld Systems INC- Disputed and company did not send verification of debt as it relates to company. Requesting removal from all three bureaus immediately. 



On XX/XX/XXXX the CFPB posted ; the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), which both enforce fair credit reporting laws, filed an amicus brief in the U.S. Court of Appeals for the Second Circuit in XXXX XXXX XXXX XXXXe Bank, to help ensure that companies that provide information to credit reporting companies comply with the law. Specifically, they must tell credit reporting companies to remove information that they can not verify after someone identifies the information as wrong. 

All debt above are reporting inaccurate info and is result of identity theft. 
Also, according to the CFPB XXXX case against TSI Transworld Systems ; against consumers of student loans filed lawsuits that they couldnt prove were owed and filed false and misleading affidavits in courts across the country, said CFPB XXXX XXXX XXXX. Then they were ordered to pay {$2.00} million for penalties. They ( TSI ) still use frivolous tactics against consumers and is the reason I am filing a complaint against Transworld. System Inc. 
Hoping this can be taken into consideration of the companies non truthful business tactics. Same letter was sent to all 3 agencies for validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 

XXXXDEPT OF ED The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( l ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards,