23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I tried to access my account through my mobile bank app this morning at XXXX and I was n't not able to log in. I tried several times before I called the customer service # on the back of my card ( XXXX ) at XXXX. I was then told by the rep that my liquid account had been closed since XX/XX/XXXX and that I had a zero balance and it was because there was n't any activity on the account since XX/XX/2016. I informed her that I just set up direct deposit through my employer on XX/XX/XXXX and that I WAS NOT AWARE that they closed the account and asked her why did n't I receive and email or letter? The rep then told me that Chase does NOT notify you until 5-7 business days after that the account has been closed. I then went to branch location around XXXX to see if they could re-open my account so I could access the funds today and I was told that I would have to open a new account. The teller also confirmed that the funds were not pending but he was able to see that {$940.00} was suppose to be deposited. I then spoke to my employer who said that the funds are with Chase and that they have to release them back to the company in order for me to get paid. So I called the customer service # again with my employer and myself on the line and they told me that it would take 2-3 business days for me to have access to the funds if they were released back to the company or if I wanted to open another account with Chase and deposit the funds from my old acocunt to the new account. 
I 'm extremely frustrated due to the fact that I was NOT informed on XX/XX/XXXX or XX/XX/XXXX that the account was closed or would be closed for any reason. Had I not called, I would n't have known and that to me is highly unprofessional and shady.
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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.


And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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: Debt collection

XXXX XXXX XXXX {$2400.00} Open balance Original creditor Opened XX/XX/2023 ( XXXX mos ) Original creditor name XXXX XXXX RESPONSE This is coming up in my credit report as collection. I have not had anything with either of these two creditors and I called the XXXX to see if they had my information and they were not able to even find my name or birth date. This was opened but it was not me who owes them and no bill was even sent to me I only noticed because I check my credit reports regularly.
Product: Credit reporting or other personal consumer reports

Late payments were reported incorrectly on my report was updated and corrected. Then placed back on my report with the incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$7900.00}, DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$5700.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$5600.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$3600.00}, DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance XXXX {$2000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} XXXX and DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$1100.00} XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 



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

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

XXXX  XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$410.00} XXXX  XXXX {$300.00} XXXX  XXXX {$870.00} XXXX   XXXX {$180.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX {$290.00} XXXX XXXX XXXX {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I absolutely have no knowledge of [ this/these ] inquirie ( XXXX ). I request that you remove the fraudulent inquirie ( XXXX ) immediately! Please send me an updated and accurate statement, and REMOVE ALL REMAINING INQUIRIES. Please and thank you I was incarcerated since XXXX ( year XXXX ) up until XX/XX/XXXX Ive never applied for credit.
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This current complaint stems from my previously filed complaint ( XXXX ). My issue originally was merely that I wanted to know the full account number of a XXXX ( for which I apparently am an authorized user ) that was being reported on my Equifax credit report ( I specifically advised Equifax that I was not filing a " dispute '' ). Now, after receiving a response from Equifax to my original complaint and having spoken with their representatives directly, the issue of trying to obtain the full account number of the XXXX remains, but now also that Equifax sought to have XXXX stop reporting the card information on my credit report, despite my specifically plea that they not do so. All begins with my learning some months ago that I am an authorized user on a XXXX ( which has been open for 20 years ).  Wanting to learn with whom I am sharing credit, I first contacted XXXX   directly. However they were unable to locate an account using my social security number or other various forms of identification. They told me they could look up the information in their system if I could provide them with the full account number. I then contacted Equifax to obtain the full XXXX account number and specifically stated that I was NOT disputing the reporting of the XXXX  on my credit report. Rather than providing this information to me ( or telling me they were prohibited by law from doing so ), they apparently contacted XXXX on the basis that I was disputing the reporting, and so reporting of the card was stopped in XX/XX/XXXX, which has lowered my credit rating. In their response to my original CFPB complaint Equifax advised that XXXX XXXX is currently not reporting on the Equifax credit file. If you feel this account should be added to your Equifax credit file please contact the creditor and request to have the account information reported to the credit file. '' Of course because I do not know the FULL account number, I can not request the XXXX do this. I feel like I am in some sort of seventh circle of XXXX with this issue. On XX/XX/XXXX I contacted Equifax at the number provided in their response to my complaint and spoke with XXXX XXXX, then XXXX, and lastly XXXX. I was told ( 1 ) that Equifax is not allowed, pursuant to federal law, to provide me with the full account number due to security purposes, and ( 2 ) Equifax no longer has information about the account because it is no longer reporting on my credit report. I was advised that the only entity that can provide me with the full account number is XXXX. XXXX told me that there was no one at Equifax who could cite me the specific federal act or statute that prohibits them from providing a credit holder with their own complete account number.
Product: Mortgage

When The President came out with the HARP program I called my bank to find out about to much time has elapsed and we need to start all over again. I also want to add that we the program. The bank told me that the program was not out yet. I asked them again XXXX years later to be told that I did n't qualify for the program. I was not asked for any financial information or to fill any paper work when I was told that. Right after that I was told that my XXXX and XXXX mortgage was in collections. We have never been late or missed a payment. After I complained about the mortgage going into collection they allowed me to file for a modification. I sent several pieces of information to them and after not hearing anything I called them. They told me my modification was closed because they never received the information they requested. I then advised them that I went to my local Bank of America and had them fax over the papers. I gave them the time and date it was sent then They said I was missing some of the paper work requested. No one ever called to advise us anything was missing or that they needed any additional information. This happen several times. They wait so long to get back to us with anything. When I hear from them again that are senior citizen with a lot of medical expenses they we did not have before.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention the unresolved issues I have encountered with Equifax regarding inaccuracies in my credit report. On XX/XX/XXXX, I contacted Equifax about the discrepancies in the information they have reported, and to date, I have not received a response. I believe that these inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), and I kindly request your assistance in addressing this matter. 
The discrepancies involve the following accounts : XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2500.00} ) : Incorrect reporting of the balance. 
Request for deletion of past due information as the account is closed and charged-off. 
Request to mark the account as disputed to prevent negative impact on my credit score. 

XXXX ( Date Opened : XX/XX/XXXX, Balance : {$400.00} ) : Doubts about the accuracy of the reported balance. 
Past Due reporting on a closed and charged-off account. 
Request to mark the account as disputed while I resolve the dispute with the creditor. 
Verification of Date Opened, Date of Status, and First Reported. 

XXXX  ( Date Opened XX/XX/XXXX, Balance : {$280.00} ) : Incorrect reporting of the balance. 
Past Due reporting on a closed and charged-off account. 
Request to mark the account as disputed while I resolve the dispute with the creditor. 
Verification of Date Opened, Date of Status, and First Reported. 

XXXX  Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$1100.00} : Account not belonging to me. 
Request for removal from my credit report. 

XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} : Account not belonging to me. 
Request for removal from my credit report. 

XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} : Account not belonging to me. 
Request for removal from my credit report.
Product: Credit card

On XX/XX/XXXX I was vacationing in XXXX XXXX. My sister tried to use her credit card for a purchase, but it was declined. I then let the owner scan my credit card to cover her purchase. The owner scanned my card ( a Bank of America VISA chip credit card ) with 2 different devices and said that they didn't work. My sister then paid cash for her purchase. When I got home I got online to pay off my credit card and found a charge for {$760.00} to a XXXX ( which I have never heard of let alone entered and purchased anything ). There was also a {$20.00} foreign transaction fee. I immediately notified my credit card company and filled out a fraud claim. They cancelled my credit card, sent me a new one and denied my fraud claim ( because a chip card had been used ). I have asked the fraud claim be reopened at least 5 times. Each time they open a case and continue to deny my claim. They were able to retrieve a receipt for the claim that has a signature that in no way resembles my signature. I have had a lawyer send them a letter and they did not respond to that letter. I have denial letters with the following dates ( all in 2024 ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 this company XXXX XXXX opened a fraudulent account in my name. I noticed a new account on my account from XXXX XXXX XXXX in XXXX. This account was unauthorized by me &. Ive disputed account multiple times. Ive filed fraud documentation and call my credit bureau, Ive tried contacting the company by email & phone. This account is not mine & according to the FRCA law it has to be removed because it was unauthorized!
Product: Student loan

I was looking into a XXXX  forgiveness program once it was time to start paying back my loans. XXXX XXXX XXXX  discussed 2 options and I went with what best suited myself. I made my monthly payments, sent emails, made phone calls, sent forms, and everything they asked. But its a scam. For the past year and a half, my payments have been pocketed and 0 % was put towards my loans. Then I find out they made an account in my name, created their own security questions, and making changes to my account. I am a victim of this fraudulent activity and Im unsure of what to do moving forward. Hopefully someone else who takes the time to thoroughly research XXXX XXXX can avoid the same fate.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items 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 information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me.This has been hurting me as I am in the process of buying a home for my family. please remove the fraudulent account from credit report as soon as possible.
Product: Debt collection

On XXXX/XXXX/2016 sent a debt validation letter via certified mail and I never receive anything back from this company.
Product: Debt collection

I agreed with XXXX XXXX XXXX representative XXXX XXXX in XXXX to pay a portion of the amount owed for my mother 's XXXX XXXX XXXX  provided at XXXX XXXX XXXX XXXX California incurred during her stay in XXXX. The debt arose because XXXX XXXX XXXX  XXXX had represented to us that they were an approved XXXX XXXX provider for the California pilot care program. The care was to be paid for by the State of California under their XXXX XXXX pilot program in XXXX county, but the facility 's new owners had let their license lapse so they were not eligible to participate. As a result, my Mother 's claim was denied and we had to move her to a facility that was approved. I agreed to repay a total of {$12000.00} and began to make monthly payments of {$250.00} to XXXX XXXX. As of this writing in XX/XX/XXXX that debt was less than {$2000.00}. I XX/XX/XXXX I received a letter from Monterey Credit, who had just acquired XXXX XXXX advising me that I owed {$14000.00} and that I had 30 days to dispute this charge or be held liable for it. It is signed by XXXX XXXX. I have called Monterey Collections several times now and after speaking with a receptionist have been told to hold while being transferred only to have the line go dead on each occasion. I believe they are acting in bad faith in not speaking with me.
Product: Credit reporting or other personal consumer reports

A XXXX XXXX credit card was opened in my name. Amount charged is {$420.00}. I contacted XXXX XXXX and they have since reported and closed the account but the missed payments have affected my credit score.
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 accounts vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have cause a significant inconvenience and financial loss and I seek appropriate redress for these violations.