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

I am filing this complaint so that my XXXX Late payments from 2018 are removed and those are not mine. I have a pristine clean Credit Score and this is the only late payment ever reported which is not mine. I have had a conversation many times with XXXX, I have been with them for the past 5 years and have never missed a payment since everything is on Autopay. Back in 2018 I called them and confirmed over the phone the switching of the bank account and to move my auto pay to the new account. In XXXX they reported a 30 day late payment which is NOT mine, then after calling them they said they fill fix the error after me explaining that I have called and I have told them and it has been confirmed by them everything is in order for the autopay. Then XXXX goes good without problems and again in XXXX XXXX day and XXXX 60 days late payment. I was frustrated and called them again and they said they will look into it and I should send a letter to their credit department. Never got any response back. I have tried multiple times to fix the issue but they don't seem to listen. So that is why I am filing this complaint and I am hoping you would be able to help me out
Product: Mortgage

I made the first payment on my new refi loan online, single payment, as I have always done with the Lender - BOA ( Bank of America ) - The original mortgage ( XXXX ) was with Countrywide which ultimately was converted to BOA. I made the online payment XXXX XXXX, XXXX. Then BOA said something about needing to make test deposits and withdrawals from my bank account to validate the routing and account numbers. These transactions proceeded normally. Without further concern I assumed the payment was made. Then on XXXX XXXX, XXXX when I reconciled my account ( statement attached for reference ) with the bank source of funds I use for paying my mortgage I noticed that the payment had not been drawn. I immediately called BOA and was put through the touch tone misery and spoke to three representatives before I finally was convinced no one had any idea of how those test transactions had occurred let alone actually caring about anything other than my payment had not been made - I made it with a {$5.00} penalty and a {$20.00} fee for the telephone transaction. I am upset that now this will have an impact on my credit rating which has been pretty good up to now since I separated from my wife in XXXX. Nevertheless, even more important than that, I am concerned that BOA uses tactics such as this to deny any knowledge of a transaction, despite it being their website that accepted it and their engines that made the test transactions. Further, it is the same pathway I used to make payments on my new BOA credit card - that did not require test transactions and went smoothly. I also used this account to pay my mortgage with BOA which was refinanced so they had my banking information all along. I submit that they use this as a method to raise their income. I point out that it does an effective job at degrading customer satisfaction- good faith and trust. I will never recommend BOA to anyone except as an example of a heavy handed institution that uses deceptive practices.
Product: Debt collection

this is not a duplicate, please don't try to validate its been over 30 days which the law is very clear please remove. please review documents the Complaint/Dispute was received on XX/XX/2021 has been more than 30 days, and I have not received any proof that your company validated the debt. 

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my credit reports. 


previous two complaint ID XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian numerous time about unauthorized inquiries reporting on my credit report and they are still showing UNAUTHORIZED/FRAUDULENT INQUIRIES XXXX  XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX  Inquiry date : XX/XX/2020 XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020XX/XX/2020
Product: Credit reporting or other personal consumer reports

While checking my credit report, I observed that account XXXX ( XXXX ) has records of late payments that are inaccurate, since I have always met my obligations. I have made multiple disputes regarding this issue, but the mark has only 'validated ' itself according to them, without offering certified evidence that I was indeed in default. Therefore, I am filing this complaint, as I believe the company is infringing upon the sections of 15 : 15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC Code 1666b This code establishes that a creditor may not treat a payment as late on an open-end consumer credit plan account unless the creditor has adopted reasonable procedures to ensure that each periodic statement that includes the information required by section 1637 ( b ) of this title is mailed or delivered to the obligor no later than 14 days after the close of each billing cycle.
Product: Credit reporting or other personal consumer reports

formal complaint to the Consumer Financial Protection Bureau ( CFPB ) : Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Subject : Complaint Against Experian for Account Accuracy, FCRA Violations, and Mishandling of Data To Whom It May Concern, I am filing this complaint against Experian due to their continuous failure to comply with the Fair Credit Reporting Act ( FCRA ) and ensure the accuracy of the information reported on my credit file. Despite my repeated efforts to resolve these issues directly with Experian, the problems persist.

Issues : 1. Inaccurate Verification Process : I have disputed multiple inaccurate items on my credit report with Experian.

Each time, I am told the creditors have verified the information, even though I have provided evidence proving otherwise.

This flawed verification process is resulting in unfair and inaccurate reporting.

2. Misclassification of Charge-Offs : Certain charge-offs are being reported as collection accounts, which is incorrect.

Charge-offs are considered income to me, not collections, and this mislabeling is damaging my credit profile. 
XXXX. Recent Data Breach : XXXX recent data breach has further compromised my trust in their ability to safeguard my personal and financial information.

As a consumer, I feel vulnerable knowing that my data may be at risk while they continue to mishandle my account accuracy concerns.

4. Violation of the FCRA : Experian is obligated to maintain accurate and fair credit reporting practices under the FCRA. Their continued inaccuracies and refusal to correct errors despite my evidence constitute a clear violation of these regulations.

Efforts to Resolve : I have made repeated attempts to fix these issues directly with Experian, but they have failed to address my concerns in a fair and timely manner. Each time, they dismiss my disputes with generic responses stating the creditors have verified the information, without providing substantial evidence or explanation.

Request for Relief : I am requesting the following actions from the CFPB : Investigate Experians flawed verification process.

Require Experian to correct the inaccuracies on my credit file.

Hold Experian accountable for mishandling consumer data and for failing to comply with FCRA guidelines.

Thank you for your time and assistance in this matter. I look forward to your response and hope for a resolution to these ongoing issues. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted case number XXXX complaining about National Credit Systems ( NCS ) submitting a collection on my credit XX/XX/XXXX for Mainstreet Renewal XXXX XXXX XXXX ) in the amount of {$1000.00} and my credit being docked about XXXX points. National Credit Systems submitted this same collection as a new collection on XX/XX/XXXX after two years and six months and my credit was docked again for XXXX points. 

National Credit Systems responded that the complaint stating the original creditor ( XXXX ) contended that the debt was in fact owed and has provided documentation supporting the charges they assessed. However, on XX/XX/XXXX The XXXX XXXX XXXX XXXX XXXX Superior Court Atlanta Judicial Circuit, Civil Action No. XXXX Underlying Magistrate Court Case XXXX found that XXXX  had no right to place this collection on my credit and Ordered XXXX  to remove this collection from my account. ( Attached hereto ). 
I provided NCS the same information that XXXX XXXX reviewed for her decision but they chose to take the word of XXXX  without the debt being properly established. They did not have a court order or anything except XXXX word that caused my credit to suffer twice for the same incorrect collection. 
On XX/XX/XXXX I submitted a complaint against XXXX - XXXX and XX/XX/XXXX - XXXX complaining about this same issue and XXXX stated NATIONAL CREDIT SYSTEMS INC XXXX VERIFIED THAT THIS ITEM IS REPORTED CORRECTLY. XXXX relied on NCS and had no proof of the debt. As a result of XXXX reporting the collection twice, there is a discrepancy of XXXX points between XXXX and XXXX. 
I provided XXXX the same information that XXXX XXXX reviewed for her decision but they chose to take the word of XXXX  without the debt being properly established. They did not have a court order or anything except XXXX word that caused my credit to suffer twice for the same incorrect collection.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Money transfer, virtual currency, or money service

Dear XXXX XXXX XXXX XXXX XXXX, I am writing to officially file a complaint against Robinhood Markets Inc., a company that has garnered attention in the past for its controversial actions related to the restriction of trades on certain stocks and cryptocurrencies, including $ XXXX, $ XXXX, and $ XXXX. I find myself in the unfortunate position of having my XXXX account restricted for over a month, with the company displaying a concerning lack of diligence in addressing and resolving my issue. Despite my repeated attempts to resolve the situation through the provided channels, Robinhood has persisted in evading accountability and has failed to grant me access to my account.

My primary objective at this juncture is to liquidate the assets held within my Robinhood account, repatriate the funds to my designated bank account, and subsequently close my account with the company. My reasoning for taking such a drastic step is grounded in my deep concern that Robinhood appears to be engaging in fraudulent business practices. It is disconcerting to imagine the multitude of other customers who may be experiencing similar ordeals, enduring weeks of restricted account access, while Robinhood continues to reap the benefits of accumulating interest on these accounts.

To provide you with some essential information, my Robinhood account was established on or around XX/XX/2021, and my Account No. ( RHS ) is XXXX. The assets held within the account encompass a variety of cryptocurrencies and stock shares, as detailed below : Cryptocurrencies : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Stock Shares : XXXX : XXXX shares XXXX : XXXX shares XXXX : XXXX Share XXXX : XXXX Share XXXX XXXX XXXX Share XXXX : XXXX Share XXXX : XXXX Share XXXX  : XXXX shares XXXX : XXXX Shares In light of these circumstances, I earnestly request the intervention of the Consumer Fraud Protection Bureau. It is my fervent hope that the CFPB will demand Robinhood to promptly unlock my account, thereby restoring my access to my assets and funds.

The quality of service rendered by Robinhood has been nothing short of reprehensible, and I believe the company should be held accountable for its actions. Your assistance in addressing this matter is invaluable, as it is my belief that Robinhood Markets Inc. should be held accountable for their actions and practices.

I extend my sincere gratitude for your attention to this pressing matter. I trust in the Consumer Fraud Protection Bureau 's commitment to upholding consumer rights and ensuring a fair and transparent financial landscape. 

Sincerely, XXXX XXXX Phone Number : ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

Someone saying they worked for Bank of America contacted me to say an account was opened in my name aXXXX XXXX XXXX yesterday and then tried to make a {$5000.00} XXXX transfer. The caller said they had by SSN and DL info and gave me the XXXX fraud number to call. 

I called XXXX, who said it was not possible for this transaction to take place due to their security measures and the caller was probably an impersonator. 

I called the impersonator back ( XXXX ) and an automated system said the person was called XXXX XXXX ( or something sounding like that. 

Based on the poor quality of that automated system, I feel like it was indeed an impersonator. 

I have reported the incident to the FBI as well and wanted to file this report as additional notification/ protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX did not send me a statement in XX/XX/XXXX or XX/XX/XXXX to inform me of my balance, Payment Due or that payment was not received. 

This caused a 30 day late payment to be reported to the Three National Credit reporting agencies. 

I informed XXXX of the error in XXXX of XXXX by phone. Several representatives acknowledged the Bank Error. They reversed fees and updated their systems to reflect the correct address previously provide on XX/XX/XXXX. 

I requested that my credit report be updated due to the bank error. There has been three different request filed by Supervisors to correct the error and update the credit bureaus. 
Case # XXXX XXXX, Case # XXXX, XXXX ID # XXXX. 
Internal complaint # XXXX Neither case has been resolved to date after several follow up attempts by phone, Fax or Mail. I have attached certified letter sent and fax confirmations.
Product: Debt collection

I WOULD LIKE THE FOLLOWING FRAUD ACCOUNTS TO BE DELETE FROM MY CREDIT REPORT ASAP. SEE ATTACHMENT DOCS. 

PLEASE DELETE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ITS SHOWIN LATES PLEASE AJUST THEM TO N/A-PAID FOR ACCOUNT XXXX XXXXXXXX FOR MONTHS XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
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 redress for the violations.
Product: Debt collection

Never received any warnings. 
Called me left a voicemail. Didnt explain anything. Tried to call them but they constantly hanging up. 
Now trying to distroy my credit by opening collection account. 
Aggressive and uncalled for approach. 
How is this legal?
Product: Prepaid card

American Express gift cards are advertised as being usable for in-store and online purchases. 
I have tried to use my American Express gift card at several retail outlets on the internet, and every transaction failed. In addition, a ten-cent fee was deducted from the card for each of these failed transactions. 

I have called multiple customer service phone numbers and was not able to speak to a human nor find any real solution. These gift cards feel like an outright scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$48.00} XXXX  XXXX Balance : {$97.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and  will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Product: Debt collection

On XX/XX/2020, I mailed a request to validate letter to the collector, HEALTHCARE COLLECTION INC, with certified mail receipt. They had until XX/XX/2020 to reply within the 30 days. I did not receive any response from the collector and therefore submitted a dispute with the three credit bureaus for investigation. Some bureaus deleted the collection due to lack of validation, but others said the collection was verified by the collector. 

To date, I still have not received any validation of the collection debt and am therefore not able to confirm this is in fact my debt to pay. 

The collector, HEALTHCARE COLLECTION INC, has reported two collections on my credit report, neither has been validation. 

Due to the lack of validation, I believe the collections should be removed from my credit report.
Product: Student loan

Submission of my Income Based Repayment application was delayed with no current resolution. Temporary forbearance " solution '' caused my interest to be capitalized.
Product: Checking or savings account

On XX/XX/21 around XXXX XXXX, I used the atm on XXXX XXXX at the Chase branch located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I was depositing 2 checks, both from XXXX XXXX, in the amounts of ~ {$450.00} and another ~ {$11000.00}, I dont have the exact figures on hand. The branch is closed and have attempted to call Chase. I spoke to one representative who was unable to assist and transferred me to another queue and they dropped the call. I have a left a voicemail for the branch as well but no resolution or steps to resolve this issue has been offered yet. I dont know whats happening and trying to call Chase requires an hour wait.