23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance and partners of XXXX XXXX XXXX XXXX collection firm are currently reporting a collection balance of {$2800.00} that was settled in full with the collection office of XXXX XXXX XXXX XXXX for the amount of {$980.00} How ever ive spoken to representatives at both companies and ea. company is playing the blame game on one another... This type of unfair activity by creditors and collection companies should be recognized by agencies like your selves should be seen as CRIMINAL .... Not only is this FALSE balance reporting hurting my credit but to add injury to insult they also decided to hit my credit report with a most recent LATE PAYMENT when i honored their settlement to pay before XXXX XXXX See all Exhibits ( XXXX ). This false reporting has been an on going problem sense this collection has been PAID... This matter is ruining my XXXX and XXXX  scores ... Each time ive spoken with a representative at Credit Acceptance ive been told i need to dispute this matter or contact the collection company. Please see Exhibits as proof that this matter should not only be corrected but DELETED IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

I was scammed to send money to a fraudulent company for a loan.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Fraudulent Addresses Under FCRA To Whom It May Concern, I am writing to formally request the removal of two fraudulent addresses currently appearing on my Experian credit report. These addresses are : XXXX XXXX XXXX XXXX, XXXX, Florida XXXX and XXXX XXXX XXXX, XXXX, Florida XXXX These addresses are not associated with my personal, residential, or financial history. As such, they are inaccuracies on my credit report and require immediate correction. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report and expect prompt correction of any erroneous information. Failure to remove inaccurate information is a violation of my rights under the FCRA and may result in significant penalties, including statutory damages, actual damages, and legal fees if I am forced to seek remedy through further legal action. 

Please confirm the removal of these addresses at your earliest convenience. I would appreciate a written confirmation of the action taken, along with a copy of my updated credit report. If you require any additional information to expedite this matter, please contact me by phone or email at your earliest convenience. 

Thank you for your prompt attention to this important matter.
Product: Credit card or prepaid card

I was given a Vanilla Gift Card by a friend for doing XXXX XXXX work. When I tried to use the card, it stated I had a " Zero '' or " 0 '' balance. I never use the card ( never taken out of the package ). I called Vanilla Gift Card Customer Service to report fraudulent use of the gift card. The Customer Service Rep stated that the card was used at " Game Stop in XXXXXXXX XXXX '' and one other company ( not use of the name ). I informed them that I am in California and have not visited XXXX or placed an order ( online ) at XXXX XXXX. 
I submitted the requested forms, copies of the credit card, and receipt to the Fraud Department. I waited a month later to see if they had received my paperwork. I was informed that they had not received the paperwork ( after received verbal notification that the requested information was received ) and once the paperwork was I will get an e-mail from the Fraud Department. I resubmitted the paperwork ( s ) and got an e-mail dated XX/XX/2022. Per phone conversation, the investigation of fraud witll take 45-90 days. I called on Mon XX/XX/2022 to follow up and they said the Customer Service Rep ( XXXX who is in XXXX XXXX ) stated that the paperwork ( s ) was received on XX/XX/2022. I need to call back on XX/XX/2022 to check the status. Help!
Product: Checking or savings account

I am writing to you as I have had funds removed from my account without my permission or knowledge. I have met with the bank manager, XXXX XXXX, several times and he has not been able to assist in a productive manner. 

On XX/XX/2023, there was a debit to my account of {$100.00} to XXXX XXXX through XXXX XXXX. By the way this is my name? 

On XX/XX/2023, there was a debit to my account of {$200.00} to XXXX XXXX XXXX XXXX through XXXX XXXX 

I have never used XXXX XXXX. 

To use XXXX XXXX the person must move monies from their account into XXXX XXXX. 

This has never transpired from my account, as it would show up. 

Why would I pay myself {$100.00} from XXXX XXXX? It is not logical. I would go to the bank and withdraw. 

I do not know XXXX XXXX in XXXX XXXX. 

At this time, I filed with my local bank for theft. XXXX, the manager, filed this for me. 

I felt confident all would go well as this was theft from my account and I never used XXXX XXXX. 

As you look through my bank statements you will see I only use XXXX to transfer monies and it is to three people only, look at my statements. 

To my surprise your investigative team came back and said these withdrawals, thefts, from my account were valid. This is astounding ignorance as we all know thieves have programs they place on credit card machines, gas station pumps, they sit next to you and can scan your card.

I went to the bank again and asked the manager, XXXX, to intercede and get the proof from XXXX XXXX. He said he could not and that I needed to call customer service. 

I called customer service and there is absolutely no way to speak with a human person. Your bank demands approval to use my voice for identity before I speak with a customer service representative. 

Poor customer service, you should offer an option. 

I called your corporate office on XX/XX/2023 and left detailed information on the theft from my bank account. I was assured I would return a call back. Never happened. 

I work for XXXX XXXX in XXXX XXXX  and spoke with our IT Department on this issue with XXXX XXXX The Director of IT said it would be very easy to prove I never used the XXXX XXXX by accessing my phone system. 

As a result of your incompetent researchers, you are charging me the {$200.00} and insufficient charges. 

I am reaching out as I want this issue resolved and closed. 

The bank where I opened the account is BMO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the manager.
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 rigths to privacy and confidentiality under 15 usc 1681.

The accounts below have violated my rigthts 15 u.s.c 1681 section 602 A. States i have the rights to privacy.

15 u.s.c 1681 Section 604 A section 2, It also states a consumer reporting agency canoot furnish a account without my written instructions 15 u.s.c 1681 c. a ) 5 Section states ) no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adeverse tem of information, other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 A ) 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 Delete the accounts below
Product: Debt collection

RADIUS GLOBAL SOLUTIONS LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX, XXXX To XXXX The Office of XXXX XXXX for Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX PHYSICIAN is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX XXXX together with a certified copies of signatures contract between you and XXXX XXXX XXXX , you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of XXXX6 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable XXXX Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 






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

Good Morning to whom it may concern Im writing regarding an Complaint that I have with Experian. I asked them to delete XXXX XXXX XXXX. Amount is {$680.00} from my credit file as this does not belong to me. I have sent in 609 dispute letters to both parties and it comes back verified. I question this as I have asked for signed documentation or instruments of indebtedness, neither of which have they been able to supply. XXXX charged off this balance and collected insurance on it. But they are still updating the account and reporting that is an violation of my consumer rights and in violation of the Fair Credit Reporting act I asked that this is please deleted off of my credit report.
Product: Debt collection

As a matter of public interest, it is important to for the Consumer Financial Protection to know the reason sps never recorded the loan modification and as a result has no enforceability in the state of Florida. If you carefully review the loan it does not contain the legal description of the property but most importantly it can't be recorded because it was not notarized. Under XXXX XXXX XXXX XXXX a mortgage can not be recorded unless sign and notarized. This is the reason XXXX nor Select Portfolio record the instrument.
Product: Bank account or service

Paypal sent me a notice that my account was put on hold because a person with a similar name had a negative balance with Paypal. I called and explained that I was not that person and not responsible for this account. Paypal refused to de-link the other account unless I paid the negative balance. 

I tried to close my Paypal account, but Paypal will not let me do that until I resolve the other person 's past due balance. This is fraud and most certainly illegal under the laws of the United States. I am not responsible for the debts of another, and I am not willing to allow Paypal to keep my account active. I will use other forms of payment from now on.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act the following XXXX  accounts have violated my rights under the following laws : 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 instruction. 


XXXX XXXX Account # XXXX XXXX XXXX XXXX Texas # XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED # XXXX XXXX/DEPT OF ED # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm under involuntary unemployment Hights Finance specialist XXXX XXXX is intentionally harassing me and has now took it upon herself to infict harm upon me by making false statements on my credit report regarding payments. 

She has totally violated the insurance certificate and she is charging a monthly late fee onto of monthly indemnity payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called transunion in regards to getting the hard inquiries off my credit that I didn't recognize and the rep told me that they can't do it and was very rude on the phone rushing me. Here are the list of Hard Inquiries on my Transunion credit that I didn't authorize 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5 XXXX   6.XXXX XXXX 7.XXXX XXXX ( which shows up 3 times as hard inquiries )
Product: Money transfer, virtual currency, or money service

The Branch Manager XXXX XXXX XXXX, has been combative, difficult, and enjoys the going back and forth. She has been nothing short of unprofessional and lacks customer service skills. As on more than one occasion, she has discussed the opening of a trust account and its matters within the main customer service area of the branch. She has remained in my space after being asked to back up, and ignored the request for me to speak with someone else other than her. Further, as a person who deals with XXXX ( XXXX XXXX XXXX XXXX  ), as a veteran who honorably served the country, having to experience this while in a Bank, caused emotional distress in that moment and every interaction with her prior too. She further taunted me by informing another Banker, who was willing to help me, to not help me ; as I requested to speak with or get contact information regarding speaking with her boss.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has incorrectly reported that I had a past due status which I did not. My truck was completely totaled out by my insurance in XX/XX/2016. They are stating I was late which resulted in my credit score dropping 50+ on each side. I have contacted them and the credit companies.
Product: Mortgage

I have requested to do an assumption through divorce to remove my ex husband from the note/loan. They are refusing by saying they cant do an assumption because I am already on the loan. This is inaccurate as I already started the process with previous lender and then I was transferred to SPS and they say an assumption will not remove his name. They need to abide by the terms of the original mortgage which is through XXXX. XXXX said they do allow assumptions through divorce when both parties are on the loan and title to remove one spouse off the loan. The proof is in the divorce decree. My ex husband left me the home free and clear with no interest to him. I sent them the divorce decree as evidence but are refusing to assist me in this process. I have a great interest rate of 3.875 % and can not afford to refinance at this time as it will double my monthly payment with an interest rate of 7.5 % currently. They are leaving me no choice but to sell my home and have nowhere to live. I cant afford even a small apartment at the current rental rates or to buy something smaller with such high interest rates. I will be homeless. Please help.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app, 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 redres for these violations XXXX
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. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX INT # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX/XXXX  # XXXX Account Name : XXXX  # XXXX 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 : 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

On XX/XX/XXXX, I checked my credit report on XX/XX/XXXX and saw an unfamiliar report on my account. The original creditor is XXXX XXXX XXXX XXXX for the amount of {$1200.00} opened on XX/XX/2021. Ive never heard of this place nor visited. I called the company and couldnt get any information. I have done more research on my own and noticed this is happening to many others. This company is terrible and reporting fraudulent activities hoping we would pay without investigating. I want this report removed from my account before it damages my credit more than it already is.
Product: Debt collection

Capital Accounts LLC out of XXXX XXXX IA, XXXX, has repeatedly called although I explained the debt is not mine. After some discussion and me verifying some information it was determined the debt was for an adult son of mine for a dental bill. All communications on the debt were sent to an address that my son hasn't lived it in over 2 years although the service was about a year ago. Capital Accounts however is claiming that I am financially responsible for the debt because I was the one who paid for the dental insurance and by default anything that the insurance company doesn't pay I am responsible for. They also seemed to claim that the collection was filed under my name as being the responsible party. 

After contacting XXXX XXXX XXXX regarding this balance and collection effort the dentist office themselves informed me that the debt to the collection agency was filed under my adult son 's name and information as being the financially responsible party. 
The dentist office only listed me as the father to the financially responsible party. Therefore, other than being listed as the father to the person financially responsible according to the dentist office I was not attached in any other way to the filing of the debt with Capital Accounts LLC.

Capital Accounts LLC has been deceptive and dishonest in their collection practice ; actually, they have down right lied about how the debt was submitted by the dentist office in hopes of collecting. Their almost daily calls for the last 3 weeks should be considered harassment in attempting to collect a debt that was not even filed under my name as being the financially responsible party. I informed Capital Accounts LLC repeatedly the debt is not mine, to stop contacting me, and if they truly believe I owe a debt to mail it to an address I've lived at for close to 15 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Accounts Reporting Negatively With Incomplete Account Information I have repeatedly sent letters to XXXX, Experian, and XXXX asking them to delete the inaccurate information being reported on my reports by XXXX. They continue to report back to me that the information has been VERIFIED. 

I have repeatedly sent letters and made calls to XXXX asking them to either report complete account numbers OR remove these accounts from my credit reports. For over 15 years they have been reporting incomplete and inaccurate information to my credit files. They refuse to comply. This practice has made it difficult to manage and discern one loan from the next.

While they might say they are truncating my account numbers to protect me, the FTC opinion says the opposite : In sum, a CRA that always scrambles or truncates account or social security numbers does not comply with Section 609 of the Fair Credit Reporting Act.

They state that by NOT reporting the entire account number, they are not reporting 100 % accurate information as required by Section 609.

Section 609 ( a ) ( 1 ) of the FCRA states that CRAs, including major credit bureaus such as XXXX XXXX, " shall, upon request ( by a consumer ), clearly and accurately disclose to the consumer... All information in the consumer 's file at the time of the request '' ( emphasis added ).

I am writing to request your help in having these SEVEN inaccurately accounts permanently removed from all three reporting agencies, XXXX, Experian, and XXXX.
Product: Credit reporting or other personal consumer reports

It seems that FCRA 605B obligates us to remove any wrong accounts from my credit report. Could you examine the documents? Some accounts listed have errors in reporting, amounts, and dates.
Product: Payday loan, title loan, personal loan, or advance loan

I no longer have the information. But I had received a loan from One Main Financial aroind XXXX or so and they added additional products so that I could acquire the loan. I ended up XXXX being able to pay it all off after leaving military for medical reasons and the extra fees from the beginning and it ruined my credit.
Product: Money transfer, virtual currency, or money service

attempted to log in to Coinbase app. 
was prompted to add driver license photo. 
completed and added photo of driver license. 
was promoted to add photo of passport. 
submitted photo of passport. 
app displays error " null ; COUNTRY CODE '' unable to log in to app. 

tried resolving by reaching out to their listed support email. receive response to go to help page. help page tell me to call in. I call in, it tells me to go help page. It is a never ending circle of not being helped. I've had my account for years. I have attempted every avenue to resolve. They are keeping me from accessing my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple fraudulent Bank of America inquiries on my credit report I have never applied for a Bank of America checking account. Ever. 

XX/XX/XXXX Received notification from XXXX XXXX XXXX Bank of America declined to open a bank account on my behalf because of information XXXX XXXX XXXX provided. I called XXXX XXXX XXXX and advised they were violating my rights and providing unauthorized information. The agent responded they were contacted. And again explained I never gave them permission to access my information. Then I called Bank of America and they acknowledged someone tried to open an account but they blocked it. I again explained the inquiry was fraudulent and not made by me. That did not invoke any further action. 
Now it is XX/XX/XXXX and again received notification of a Bank of America hard inquiry on my credit report. Fraudulent application. I have never applied for a bank account with Bank of America.
Product: Checking or savings account

I have attempted to close my accounts with Bank of America at least a half dozen times since XXXX. I originally tried to close the accounts in XXXX, but this bank refuses to close them. Since that time I have received an update every few months that they have enrolled me for a new credit card, or they are sending me a new debit card. Each time, I have called them, waded through their abysmal excuse for an automated system, sat on hold for an hour plus, been passed from department to department until finally reaching someone who assures me that my accounts are closed. I am tired of the lies and terrible customer service from this bank.