23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

A check was stolen from a friend of mine, originally written for XXXX USD. The person who took the check changed the name of who the check was written for. Changed the written amount section to XXXX. It was very clear by the check image that these changes were made. 14 hours after the check was deposited i got a text message from BOA, stating they were suspect of fraudulent activity. I reply yes and immediacy call the bank on XX/XX/23. The deposit was initiated on XX/XX/23. I spoke to someone at the bank and they indicated " yes, the check is clearly modified and Id have my money back in 2 days. On XX/XX/23 I call again and the person says they don't see the fraud claim and Id know from 60-90 days. I said that was unacceptable and let me speak to your superior. He come back and says yes, we will take care of this and you'll have your money back in two days. That does not happen so I call again on XX/XX/23 and this person indicates BOA will review and make a determination by XX/XX/23. I know how clearing houses work with banks, I cant access all of my funds when I deposit a check from another bank into BOA for sometimes 7+plus days. I am shocked the depositor accepted the check in its condition. I speculate that someone at BOA failed to file this complaint correctly. BOA has not even sent me a message on my " case '' following XX/XX/23.
Product: Debt collection

XXXX hunter warfeild This is not mines! 
XX/XX/scrub> XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit file showing accounts that arent mine. One citicards cbn with a balance of XXXX open 7 years and multiple XXXX  accounts. All open in states ive never lived. Contacted citibank amd no record of my social on file made fraud reports and freezes with XXXX and XXXX.
Product: Mortgage

Seterus is charging me fees to see if I lice in my house. They " say '' they send a guy out to see if I still live there. I call them every month and talk to them. They took the account over in XXXX of " XXXX ''. I was disputing some payments. And if you looked at my account I made payment every month. So I tryed to pay extra to get caught up. so setures stole the money for fees and charges I was NOT aware of. Why would you send a guy out to check the house out when I call ever month and make extra payment, unless you care ONLY about profits and are trying to steal house? If they give back my money I payed extra, I would almost have enough to get caught on my payments. Please help me end this over burden greed bank practice so I can own my home.
Product: Debt collection

Notice in Fact, Be it known to all that pursuant `15 usc 1681 ( a ) ( 4 ) that I am a consumer. Notice in Fact, the United States is a Federal Corporation pursuant 15 usc 3002 ( 15 ). Since this is a corporation and I am a consumer, ANY & ALL CERTIFICATES OF INDEBTEDNESS and BILLS are the obligation of the United States pursuant 18 usc 8. I have NEVER signed a CONTRACT or PROMISSORY NOTE with TRANSWORLD SYS INC/XXXX & I believe them to be a 3rd party debt collector which is a violation of 15 usc 1692e because they are aren't the original creditor. I DEMAND to see a purchase receipt granting TRANSWORLD SYS INC/XXXX  legal jurisdiction to collect any alleged debt they may claim I owe. I have also never given my WRITTEN or ORAL consent for these items to be furnished on my consumer reports which is a violation of 15 usc 1681b. Each violation listed is punishable pursuant with 15 usc 1640 & 15 usc 1692k of up to {$1000.00} per violation. So I DEMAND these items be removed from my consumer reports OR pay me {$4300.00} FOR EVERY MINUTE this item has been furnished on my reports.
Product: Credit reporting or other personal consumer reports

I was told that I only had XXXX choices, a loan modification, pay arrearage over XXXX dollars or foreclosure. Feeling extremely pressured, after my husband passing away last XXXX, I opted for a loan modification After the loan modification I became current I made my payment on XX/XX/2024 and I became current the following day XX/XX/XXXX I was reported to the credit bureau as delinquent 120 days, then reported delinquent 120 days again on XX/XX/2024 i contacted Shellpoint mtg several times via phone email and fax to no avail I was totally ignored ( Then once via phone I was told that the reporting was for the previous month ) Reporting a delinquency later than when it occurred can indeed violate the Fair Credit Reporting Act ( FCRA ). 
The Fair Credit Reporting Act ( FCRA ) is a federal law that governs how consumer credit information is collected, reported, and used. It provides certain rights to consumers regarding their credit reports and ensures accuracy and fairness in credit reporting. Here are some key points related to reporting mortgage delinquencies under the FCRA : Timeliness of Reporting : Creditors and lenders are required to report accurate and timely information to credit reporting agencies ( CRAs ). 
If a mortgage delinquency occurs, it should be reported promptly to the CRAs. Delays in reporting could violate the FCRA. 
Shellpoint is not taking any steps to remove this inaccuracy from my credit reports. 
they are taking no responsibility for their actions what so ever! 
this is causing much emotional distress.
Product: Credit reporting or other personal consumer reports

I've asked the Credit Bureaus to do a verification of collections ( XXXX XXXX XXXX XXXX Account # XXXX on my Credit Report and they STATED that everything was accurate, I did do a thorough research myself and found improper inaccuracies on Credit Report even after they did an investigation. 
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights 15U.S.C 1681 Section 602 A. States I have 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
Product: Credit reporting or other personal consumer reports

I discovered an inaccurately reported account when I recently checked my credit report. On this account, I made two late payments that I actually paid on time. The consumer reporting agency is required to provide accurate information in all cases. Payments for this account have never been late. A copy of my report for the following dates XX/XX/XXXXXXXX XXXX XXXX  is attached to this complaint. I'm asking you to look into this and give me records that attest to the fact that I received these late payments. I require that these payments be changed to be made on time right away if this information can not be verified. I appreciate your consideration and quick response in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed several disputes with 3 credit bureau for proof of contract and have not received any proof please remove this account from all credit bureaus due to no contract or proof
Product: Credit card or prepaid card

I was surprised when I was reviewing my credit report and found a late payment inXX/XX/2017, I am not sure how this happened. I believe I made my payments to you When I received the statements. My only thought is that my statement didn't get to me.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Account Reporting by XXXX XXXX Dear Equifax Dispute Team, I am writing to dispute the accuracy of my credit report as provided by Equifax, specifically regarding the reporting of an account by XXXX XXXX. This account contains multiple inconsistencies, including varying opening dates, which are negatively impacting my creditworthiness. Account Information : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Opening Date as per XXXX : XX/XX/2021 Opening Date as per XXXX : XX/XX/2021 Opening Date as per Equifax XXXX XX/XX/2021 I am concerned about the accuracy and fairness of this reported information and the impact it has on my creditworthiness. The Congress has found that consumer reporting agencies, like Equifax, play a critical role in evaluating the creditworthiness, credit standing, credit capacity, character, and general reputation of consumers. There is a clear need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy, as mandated by the Fair Credit Reporting Act ( FCRA ).
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 Number : XXXX Account Name : XXXX Account XXXX : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

XXXX XXXX XXXX HAS VIOLATED THE No Surprises Act. 
Beginning XX/XX/2022, if youre uninsured or dont plan to submit your claim to your health plan, health care providers and facilities must provide you with a good faith estimate of expected charges before you get an item or service. The good faith estimate isnt a bill. I was never given a Good faith estimate or a bill for my services. This account has to be removed according to Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX  XXXX and XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REPORTED THAT I DO NOT LIVE AT XXXX XXXX XXXX XXXX TEXAS XXXX WHICH APPEARS ON MY REPORT DUE TO FRAUD THEY HAVE FAILED TO REMOVE IT FROM MY FILE
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 XXXX Reported : XXXX XXXX, XXXX {$1000.00} Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$12000.00} Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$4900.00}, 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: Credit reporting or other personal consumer reports

I am formally request for the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to removed of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXXXXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} 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 Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$15000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 *** KINDLY DELETE AND BLOCK ALL NON ACCOUNT HOLDING INQUIRIES AS I DID NOT AUTHORIZE THEM ***
Product: Credit card

interest rates on my cards with American Express 6 % or lower. I have 2 cards with American Express
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Someone stole my identity and ran up XXXX XXXX XXXX XXXX on my accounts. I settled all the other accounts no problem and had them remove the fraud, XXXX XXXX XXXX refuses to remedy the situation and will not contact me in regards to it. I filed a fraud report with the government and have proof of that. My credit has dropped over XXXX XXXX  due to this and it is severely affecting my mental health.
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 proce 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 14.6 financial loss, and I seek appropriate redress ( 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 these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report a closed current account as 30-60days late. The account in question is a XXXX XXXX auto loan account. The account was paid as agreed and current. The loan in question was paid off on time but yet Equifax continues to report it as late. I 've sent repeated disputes and data. They have not sent me information as to where they got this inaccurate information and what steps were taken. Even after contacting XXXX XXXX about the agreed the account is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

shopping around to buy newer car XX/XX/XXXX and XX/XX/XXXX and brought one. shopping around in XX/XX/XXXXand XXXX for a newer car for my daughter and co-signed for one. .every time credit was credit for better rates i got one hard hit inquiry so i have around 20 hard hit inquiry on my credit report. according to cfpb for an auto loan and you authorize five lenders to check your credit score ( s ) within a 14 day time span. All those inquiries should count as one inquiry. your credit score ( s ) that took place within a time span ranging from 14 days to 45 days will only count as a single inquiry,