23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I did not give XXXX XXXX XXXX permission to pull my credit. 
This is an authorized credit inquiry.
Product: Debt collection

Somehow a unknown suspect has being using my information without my consent attached to this statement I will provide proof from Police department showing this was IDENTITY THEFT in would ask for all fraudulent accounts to be removed from my credit report with all three Credit reporting agencies.
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 Funds 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 or other personal consumer reports

FRAUDULENT INQUIRIES WAS DONE ON MY REPORT AS WELL AS A CREDIT CARD : XXXX INQUIRY : XXXX XXXX XXXX XXXX TRANSUNION INQUIRY : XXXX XXXX XX/XX/XXXX XXXX INQUIRY : XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX DATE OPEN XX/XX/XXXX FTC REPORT ATTACHED
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding discrepancies found in my recent credit report, which I reviewed on XX/XX/2024 ( Experian report number XXXX ). As a consumer, I understand my rights under the Fair Credit Reporting Act ( FCRA ), which stipulates that consumer reporting agencies must employ reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. 

Upon reviewing my credit report from Experian, I discovered multiple inaccuracies pertaining to my name, address, and employer. These errors are concerning as they can have significant implications for my financial standing and opportunities. Enclosed with this message is a copy of the letter I addressed to Experian on XX/XX/2024, outlining the specific inaccuracies and providing correct information. 

I am reaching out to the Consumer Financial Protection Bureau to request your assistance in addressing this matter promptly and effectively. It is imperative that Experian rectifies these inaccuracies in accordance with the FCRA guidelines to ensure the integrity and accuracy of my credit report. 


I trust that the Consumer Financial Protection Bureau will take the necessary steps to investigate this issue and ensure that Experian complies with its obligations under the FCRA. I kindly request regular updates on the progress of this investigation and any actions taken to resolve the inaccuracies in my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting

Per conversation with CFPB this morning, I was advised to respectfully request please attach all documents from case # XXXX to this complaint against Equifax Reporting Agency Credit Reporting company 's investigation ... into Creditor name/info, balance, payment, etc./ Account status -- Paid bill on time, account closed, etc./ Personal information-Wrong address, etc. 

Thank you. 

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

On my credit report there are several companies on my report that I don't know who they are, and I tried to call them and there was nothing done about it, so I wrote to the names of the financial institution that's on my account, that say they are open in my credit files. XXXX Equifax, XXXX, there are deferent. Names 1. XXXX XXXX has XXXX3 accounts.2. XXXX XXXX has 13 accounts.as well.3. XXXX XXXX XXXX has 13 accounts. All of these accounts have deferent account numbers and the same amount on them. now back in XX/XX/2022 I was granted Student financial Aid forgiveness now all these companies are on my report. They all have the same amounts of payment on there but deferent account numbers.
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 make 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 funds 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

After some research on my part, it became apparent to me that an identity theft was facilitated by a security breech at Transunion Credit Bureau. On XXXX/XXXX/16 someone other than myself contacted Transunion on-line and received a free credit report, that was e-mailed to that identity thief. With the information obtained, XXXX retail credit cards were subsequently opened or attempted to be opened at XXXX ( through XXXX XXXX XXXX XXXX XXXX ), at XXXX, and at XXXX XXXX. ( I was contacted by XXXX XXXX XXXX XXXX XXXX and XXXX by phone on XXXX/XXXX/16. ) When I tried to get a free credit report from Transunion, I was denied because I had supposedly already received a free credit report recently. After multiple phone calls, I discovered that someone posing as myself had received a free credit report on XXXX/XXXX/16. After some more phone calls, I was unable to find out how this breech had occurred, where the credit report was sent ( they refused to give me the e-mail ), or any information about what my rights were, other than giving me an address to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out letters and contacted the bureaus several times in regards to incorrect information. I believe my information was affected from theXX/XX/XXXX data breach. this incorrect information on my credit report is devastating because I cant get anything. Please help correct this problem.
Product: Credit card or prepaid card

I have made a claim regarding a disputed transaction. 

The entire process so far has been mired with ADA ( Americans with Disability Act ) discrimination and discrimination based on religion & national origin. 

This is how Bank of America is choosing to drive away a " Platinum Tier '' customer over a {$45.00} credit card dispute. 

This is how the ordeal started.. 
On XX/XX/19 I attempted to buy an online membership for the AAC. The website form crashed as a pressed " Submit ''. The AAC has no record of the transaction but my card was still billed. This is why the Fair Credit Billing Act ( FCBA ) exists. 

After filing an online dispute, I revived a letter that has the wrong account number - I do not have an account with that number and worse of all it has a name that i worked with bank of america multiple times to change. 
I had previously submitted a CFPB complaint and worked with the bank to change my name as they " refused '' to use, y XXXX/XXXX   name, only after complaining to the CFPB for discrimination based on religion/national origin did Bank of America was willing to change it. 
And guess what? for some reason the correspondence that carried the account number I don't have used the number that took multiple attempts to change. Is Bank of America antisemitic? 

When I complained about how this process is being handled, the person that was assigned to this case had an unclear accent and I could barely communicated with her. Due to hearing loss ( military service related - long term exposure to explosions and gunfire ) I asked that this case would be moved or escalated to somebody else and was refused - in clear violation of the ADA. Despite multiple requests, that case has not moved to a different agent. 
That rude, person at BofA was " XXXX '' at XXXXXXXX   Extension XXXX. 

How bad can a bank treat a customer?
Product: Credit reporting or other personal consumer reports

on my XXXX credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows charged off account when i called them they have no records of me having this account they will not remove it from my credit report.
Product: Checking or savings account

On XX/XX/XXXX, I saw an offer online that said the following : " Open a new eligible checking and savings account in the Citi Priority Account Package during the offer period XX/XX/XXXX to XX/XX/XXXX. 

Maintain a minimum balance of {$50000.00} between the checking and savings accounts for 60 consecutive calendar days. 

After all required activities are met, the {$600.00} bonus will be deposited to your account within 90 calendar days! '' The www.citi.com/rates page also showed that their savings account would earn a 2.36 % interest rate as well. The only other stipulation shown was that the {$50000.00} minimum balance needed to come from " New-to-Citibank '' funds. So I opened a new Interest Checking account # XXXX as well as a new Citi Savings account # XXXX on XX/XX/XXXX and transferred {$50000.00} from my XXXX XXXX XXXX account to provide the new-to-Citibank funds. 

I never received any ATM debit or credit cards nor any way to access my account online. Anytime I would call Citibank, I was given multiple reasons as to why I could not access my account online such as there was a " block on my account '' for no known reason as stated in a call I made on XX/XX/XXXX. I was told the reason the {$600.00} bonus was never deposited into my account was due to this " block. '' Another call on XX/XX/XXXX was when I learned that on XX/XX/XXXX they had removed the block on my account, but still the {$600.00} bonus was never deposited. 

I then received a letter dated XX/XX/XXXX stating that the reason I would NOT be receiving the {$600.00} bonus was because I was a previous Citibank customer, and the offer is only for " new-to-Citibank customers. '' This was not what the offer I saw online and applied to stated. Also, during calls with Citibank I was informed that the 2.36 % interest rate is only good for certain customers in locations without any local branches, while another time I was told an entirely different story that the 2.36 % interest rate is a separate offer than the {$600.00} account open bonus and you can not receive both. 

So when I told Citibank I wanted to have my money transferred back OUT of their accounts and have the accounts closed, I was told that I had to do that online - that they could not do it over the phone. And yet they also said I could not access my accounts online since they had made the error of never sending me any debit or credit card in the first place. I was able tonight to log-into my XXXX XXXX XXXX   account, connect it to my Citi savings account, and initiate a funds transfer OUT of Citi and back into my XXXX XXXX  account instead. However, my {$50000.00} has been sitting at Citibank for nearly 7 months earning practically nothing at 0.01 % " interest, '' and I also do not have the {$600.00} new account opening bonus to show for it.
Product: Checking or savings account

In XXXX of 2021 I opened an account with Key Bank. When setting up my account, I made sure that I did not allow the institution to overdraft my account. Since setting up my account, I have repeatedly been charged overdraft fees for one-time debit card transactions, which are exempt from overdraft charges according to CFPB 's regulation 1005.17. 

I last submitted a complaint to the CFPB on this issue on XX/XX/2021 ( complaint ID XXXX ) after repeated attempts to resolve the issue with Key directly. Key issued a statement promising to reverse the charges, in the amount of {$77.00} by my next bank statement. That bank statement has come and the refund has not. This is a financial institution with many billions of dollars at this disposal, yet they are unable to treat their customers with dignity and respect? 

Additionally, Key has started charging me with ATM fees, though I have not used any ATMs in this billing period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

Lost job and couldn't pay loan. The loan was {$1000.00}
Product: Mortgage

JPMorganChase has managed my escrow account with the mortgage I have with them. 
On XXXX/XXXX/16, Chase paid {$650.00} illegally and unauthorized from the escrow funds for home- owners insurance coverage, while there was in force coverage from XXXX XXXX XXXX , my current carrier. I never signed on with this other company as well as not notified Chase that I authorized a switch of carrier. Chase is now having problems with replacing my funds ( {$650.00} ) to the escrow as it shows ( ( - ) minus. Chase mismanaged my escrow acct.
Product: Money transfer, virtual currency, or money service

I am writing this complaint about Chase bank. Chase Bank has been holding my tax refund money for about 5 months now, on XX/XX/XXXX my tax refund of {$8300.00} was put into my bank account 2 days later my account was restricted, I rush to the bank to see whats going on. a branch manager told me that they do not know why my bank account is being closed, and that they do not have to provide me a reason why its being restricted. and closed only information that I received was in 10 business days, They will send me a cashiers check. After the 10 days nothing was ever received, I then went back to a branch and asked what was going on. They then let me know that since my personal name wasnt on the check it was in my partners name. that they are considering it to be fraud and they need to verify my boyfriends phone number, me and my spouse give all the information necessary to receive our funds. As requested by a branch manager, We give them all of our tax documents. give them phone numbers, passports, IDs birth certificates, birth certificates of the kids, everything they asked for we provided, they tell us the The number that was given to them could not be verified through my boyfriends name. And thats the only way he can verify himself, because in their system, we have done everything in our power to get our money. We called his phone carrier and made sure his number was in his name we also got a new phone number because chase told us that it would probably benefit us to do so, after so many months they are giving us the same excuse. My boyfriend is the soul provider for our family. He XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for hours making the money for us to live. Check to check. We have XXXXXXXX XXXX XXXX I am a stay at home mom, with that being said our refund check would really be useful to use. And it is rightfully ours. Please we have tried everything in our power to get chase to give us our tax return.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a line item reporting on my Transunion credit report. This item is hurting my ability to obtain a mortgage loan. I sent TransUnion XXXX   and XXXX a letter including a letter from the XXXX XXXX agency to have the item removed from my credit report. XXXX  promptly removed the item from my report. TransUnion said this item was " verified ''. How can this be verified when I sent in the letter?
Product: Debt collection

The company was told to cease and desist, they however filed a civil action, talked with XXXX XXXX and they said have file sent back. I spoke to collection company and they refused to send it back and said it does not appire to meet requirements because your not working ( covid-19 related ). I told them I have zero assets, no income, etc.. however the XXXX XXXX was willing to work out to prevent further issues due to situation, the company refused. I was never notified by company of any pending action or civil filing, the company apparently filed after I said to stop calling me and said it was harassment. 
If they would have sent it back to XXXX XXXX  as requested then it would be handle by me though them but they refuse amd rather file civil action on a emergency service volunteer who lose job due to covid-19 and has no assets or income and only a joint bank account with someone that is under social security XXXX and health issues, they don't care this affects a XXXX XXXX under SS, a XXXX   individual, or a child all in problems due to covid-19, they rather keep file for civil then send back to snycony so I can work it out as they said due to situation they can work out arrangement on all accounts.
Product: Credit reporting or other personal consumer reports

Paraphrased Version : I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing.

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

I've been trying for so long to try to fix my credit report, but first I need it to get XXXX from each credit reporting agencies, I have a problem with transunion and XXXX as they not help me in getting my credit report because they can't " verify my identity '', I provided all the documents and answer questions and still they dont help me. My credit is destroyed, there is many wrong information on my credit that I want to fix, but transunion and experian are not helping me at all. This is resulting in me getting denied for a simple credit card or small loan. I NEED YOUR HELP!..
Product: Credit card

I have report to XXXX account of XXXX XXXX ending on XXXX to be removed from my credit. This account was open without my knowledge and by some one I do not know. I have sent Experian the police report. Submitted the request 4 times or maybe more. Experian does not take XXXX day and the reply that the dispute has been completed. But the account still show on my credit report. I am a victim of fraud and Experian has that information. No action has been taken from them. I also submitted the FTC report that I filed. Still no action.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a Vet who receives XXXX XXXX XXXX. The VA pays 100 % of my treatment to hospital 's, I have XXXX services provided when I am in need of. The hospitals agree to except payment in full from the VA when payments are submitted. Outside collection agency, Enhance Recovery Company, LLC phone # XXXX XXXX
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX / XXXX  XXXX XXXX XXXX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$29.00}