23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XXXX of 2019 I received 2 warrants in debt from Bank of America one stating that I owe them {$3500.00} on one credit card and another stating that I owe them {$3400.00} on another credit card. I filed an Identity Theft Report with the FTC and contacted Bank of America. After speaking with 5 different people at Bank of America they stated that they will investigate and I have heard nothing back. I contacted their attorneys and showed up for the first court date. I sent all documentation to Bank of America asking them to show proof that I opened these accounts and have not received anything back from them after 30 days. I sent the report to all credit reporting agencies and they have blocked it off my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. All claims on my credit has not been investigated correctly and I would like for them all to be removed. I request that CFPB take action to ensure that Equifax complies with federal law and provides customers with necessary proof of investigation.
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 XXXXXXXX, has violated my rights.

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

I noticed that Equifax is reporting court accounts that are not mine. I would like for them to investigate this information
Product: Credit reporting or other personal consumer reports

I contacted XXXX by e-mail on XXXX XX/XX/2023 regarding outsanding balance and payment history they were reporting for my privae student loan. I explained they'd been reporting incohate payment history, ie payment history for a future month, and a balance history that was ten ( 10 ) times what it should be. The representative, XXXX XXXX respnded via e-mail on XXXX XX/XX/2023 and acknowledged the incorrect payment history. She and performed an off-cycle update for the account on XXXX XX/XX/2023. Experian received the update for the XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023. Experian notified me of the off-cucle update on XXXX XX/XX/2023. According to the data transmitted, the account is now allegedly ninety ( 90 ) days past-due from the off-cycle update on XXXX XX/XX/2023. Although XXXX has consistently mailed my statements to addresses that I do not live at, and that change form every two months ( see CFPB complaint XXXX ), XXXXXXXX XXXX  own system alleges payments on the account have been made through XXXX XX/XX/2023. The due-date established under CFPB interpretation of TILA/Regulation Z appears to be the twenty-seventh ( XXXX ) day of each month. In examining the statement generated on or around XXXX XX/XX/2023, the alleged statement due date is XXXX XX/XX/2023. Thus, the payment history furnished is false/misleading/inaccurate because it implies a delinquency history that would not have occured by the due date of the statement. This seems to occur each time I file a dispute with the CRAs regarding the account.
Product: Money transfer, virtual currency, or money service

I initiated a XXXX payment which I found out was a scam. I called Wells Fargo to cancel. The transaction was still pending on XX/XX/21. The bank told me they opened a case. I have not received my {$510.00} back.
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 Account number : XXXX has violated my rights. 

15 U.S.C1681 section 602 A.States I have the right to privacy.

15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not 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 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. 1681 s-2 ( A ) ( 1 ) A person shall not fumish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of a fraudulent account on my credit report under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft resulting from a recent data breach, and the account listed below was opened without my authorization. 
Account to Be Blocked and Deleted : XXXX. UNAUTHORIZED COLLECTION o Account Number : XXXX o Date Opened : XX/XX/year> o Balance : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

An account is being reported multiple times by different collections agencies. I am being penalized by the same debt three times. Account numbers are the same, amounts are different on XXXX, XXXX, and XXXX. Dates are also incorrect. These accounts violate my rights under the Fair Credit Reporting act
Product: Debt collection

Pressler & Pressler sent letters to demand payment for debt that was well past the statute of limitations for the State of NJ. When I asked for verification of the debt they told they stated they have a judgement. I was not served a judgement. I asked for details of the judgement and they retused to provide the details. They also failed to provide information on the original debt. They threaten me to pay or they will pursue legal action. They ended up garnishing my wages. I am a single father and they illegally placed a garnishment on my wages to pay approx. {$8000.00} that Pressler and Pressler could not provide verification of. I would like this company investigated and would appreciate if my money could ne returned.
Product: Bank account or service

I have several accounts with Wells Fargo. In the six months I have have unauthorized funds taken out of my checking account. They did investigate and put the funds back in my account. I now feel very insecure with the handling of my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX continues to share my financial history with XXXX without my written permission. XXXXXXXX XXXX agreed not to share my non public information with non affiliates. XXXX is not an affiliate of XXXX XXXX and is not the real credit bureau. The only credit bureau is the CFPB and they do not furnish consumer reports. XXXX does not have my permission ro repot any of my financial information pertaining to my account with XXXXXXXX XXXX. 

This is a discharged account and can not be reported as it is income per the IRS.

As a federally protected consumer I am now opting out of any of my information being shared.

162.6 Reasonable opportunity to opt out.

( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart. 

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out.

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method. 

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method.

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction.

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process.

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.
Product: Credit reporting or other personal consumer reports

I got an alert on my XXXX credit report stating I opened a new account with Capital One. I have not opened any accounts with Capital One. It dropped my credit score XXXX points and I need this off my credit immediately. I am trying to buy a home and this has affected me greatly.
Product: Mortgage

XXXX qualified for Save the Dream Program XXXX. Payments were paid to XXXX XXXX XXXX until XXXX XXXX XXXX when account was sold to Carrington Mortgage then the payments were paid to Carrington Mortgage starting with XXXX XXXX XXXX each month ( they did not receive the XXXX payment until in XXXX or XXXX because They told me Carrington M. Had not returned the paperwork to accept the program. Ohio XXXX contact Carrington M. asked why. I was told that Carrington M said they had not gotten around to filing the paperwork when the paperwork was received by Ohio XXXX they sent them the past due amounts ) thru XXXX XXXX XXXX in XXXX XXXX XXXX i started paying my house payment to Carrington Mortgage. I received a statement stating my house payment increased from {$740.00} to {$840.00} I called and told them this was wrong. My payment was {$740.00} they said i was behind on my payment buy {$2300.00}. i said that not possible my payments were paid by Ohio XXXX. I was told the payments had not been paid. I called Ohio XXXX. The payments had been paid i then receive a statement stating i was {$1500.00} past due. and found out that my payments were placed in an account titled Unapplied Funds with a total of {$2300.00} in it. Because Carrington M increased my payment and held the payment paid, was charging late fees each month and had the money in the Unapplied Funds. I paid my payment on XXXX XXXX of {$790.00} deducted from my account on XXXX XXXX ( all House payments are showing on my bank bill pay as HOUSE for my convenience ) in XXXX i received a statement for the total amount due of {$2300.00} i called Ohio XXXX again they had to straighten Carrington M out again. I paid {$820.00} for XXXX and for XXXX, XXXX, and XXXX and forward i paid {$780.00} each month. As you can see in compareing my XXXX Bank Bill Pay with Carrington Mortgage own records that my account compares to the same payment date of with draw from my account. I paid full payments plus for 5 months meaning I paid in interest over {$2000.00} not the {$1200.00} that they reported to the IRS. I have called Carrington Mortgage since XXXX XXXX Four times about their mistake they tell me i did not pay this much in interest I sent them the same attached information as I have sent you. you will also see where they have charged double interest in XXXX and XXXX. I have my Taxes to file and they are holding me from filing my taxes because their wrong reporting to the IRS what they reported and said I paid is what Ohio XXXX Paid and what Ohio House paid is what I paid they have the XXXX figures switched. They will not listen to me or pay any attention to my statements or their own recordeds. Please help me. I dont know if someone is trying to swindle money or what i just know what I paid and that every since they have had my account they have tried to say im not paying what i have paid and trying to get me to pay more. I need to file my Taxes and my INTEREST PAID ON MY HOUSE NEEDS TO BE CORRECTED FOR ME TO FILE TAXES.
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 requirementsunder 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

I called the XXXX after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Names : Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hoping that this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Be advised your credit reporting agencies; was informed they are furnishing inaccurate and incorrect information about this consumer. The reporting of such an accurate information has caused me severe damage to my character of my reputation by general mode of living in my ability to obtain credit personal and household purposes you in your in accuracies reporting have damage my livelihood. 15 US C code 1681s-2 responsibilities of the of information to consumer reporting agencies. ( B ) reporting information after notice and confirmation of errors approach and show the furniture information relating to a consumer to any consumer report the agency if ( I ) The person has been notified by the consumer at the address specified by the person for such notice the XXXX information is in accurate and the information is in fact in accurate Prohibition a law or regulation forbidding something as defined by internal Revenue Clearly States a canceled or change off is considered income, Gross Income or ordinary income. The reporting of these accounts as debt is inaccurate.Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Theses accounts needs to be immediately deleted they was file
Product: Consumer Loan

Auto finance company charged years of late fees after approving my hardship payment arrangement.
Product: Mortgage

I signed my Final ALTA Settlement statement on the XXXX of XX/XX/2020 via remote closing at my home. When I received copies if my closing documents and my settlement check I noticed that the dollar amount was different than what was on the statement that I had signed. I noticed that the first position mortgage lien amount was different but I attributed that to interest, although that should have been properly accounted for but there was also an increased amount of {$50.00} for the remote closing above the amount that was on the ALTA that I signed. I then emailed the mortgage company to find out why the numbers were different and was told that it was due to interest. I asked about the increase to the signing fee and was told that they would look into it and get back with me. They did not. I inquired two more times and was never given any follow up or reason as to why I was charged more after I signed the ALTA or why the ALTA that I signed did not match what was in the final loan docs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to PNC BANK, N.A about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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: Debt collection

XXXX XXXX : {$340.00} on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of ..... 
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

THEY NEVER RESPONDED i would like this account to be removed from any credit bureau it is reporting to
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX should not be reporting late to XXXX  ; Experian and XXXX  on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX to change the payment due date. The representative assured me that this was noted in my account. They continue to report this account late even though I make timely payments and have never missed a payment. This has been going on for years and I have called XXXX on numerous occasions and they have verified the new due date however, this account continues to report my payments as lates. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. These lates need to be removed. I have contacted XXXX  as well as the bureaus to fix this, but I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from XXXX and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Info : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/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
Product: Credit card or prepaid card

Yes I'm inrolled in capital one program due too my XXXX and going thru hardship. It's on all 3 credit cards. Just Wana make sure not getting any late fees also. I send in what I can afford right now. Wana talk with them also about my account. Maybe can waive interest fees too