23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I did not authorize or obtain any goods or services from these companies. These accounts are fraudulent and do not belong to me and should be completely removed from my report on all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an FTC report to XXXX also attached documents, XXXX  never responded. I also attached factual errors and they are still reporting the fraudulent accounts on my consumer reports.
Product: Credit reporting

I have submitted several disputes to TransUnion for over 6 months now ; disputing the inaccurate, misleading, and unverifiable information listed on my credit report from multiple creditors. I have asked TransUnion on multiple accounts to remove any and all addresses, as well as personal information that does not belong to me, nor that I have ever lived at, and TransUnion will not acknowledge my request. TransUnion has continuously sent me a response to every dispute I send them, almost immediately refusing to thoroughly investigate the accounts because I have " previously '' disputed the accounts and they came back verified. My initial dispute was submitted in XX/XX/2015. I have sent a dispute every month since then, re-disputing the accounts with more information, or with a different reason as to why these accounts should be removed immediately. I have also requested method of verification, as well as proof of verification, and they have completely disregarded my request and thrown out my investigations entirely. I do not know where to begin in regards to having this matter resolved as I am constantly having to face an uphill battle with a company who is proving they are not abiding by the law and completing a full and thorough investigation. I am requesting that you please look into this matter and have TransUnion complete a full and thorough investigation of the accounts listed in the attached letter. I have sent them certified/registered mail with return receipt every month, and I know they have received my disputes because they reply back with the letter indicating the dispute will be disregarded to being previously investigated. Which I am aware of, but I am giving a completely different dispute reason every time. Please assist. I thank you for your time and help on this matter. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Checking or savings account

We arranged a settlement with a mortgage company through Senator XXXX XXXX and the CFPB. It was approved by a court. We did what we were supposed to do and so did the mortgage company. We received our payment in two checks and immediately deposited them through our mobile app for CITIZENS BANK. The money showed as a partial availability of {$400.00} for the two checks on Monday. The remainder would n't be available for another day. This is what we were expecting. Based on that, we made arrangements for part of the partial availability money to be paid out come Monday. The next day, Citizens Bank changed their minds and wo n't make any money available to us until XXXX XXXX. The teller that I spoke to only said they needed to verify they were going to actually get money. She said I was getting none of my money next week. She refused to put me in touch with her supervisors because it was the weekend and would " inconvenience '' them. She said she did not care that I have no food, medications, or other necessities to live without that money.
Product: Credit reporting, credit repair services, or other personal consumer reports

After getting a copy of my report that I ordered a credit report with XXXX XXXXXXXX XXXX, 2022, I called Equifax since I saw some UNVERIFIABLE accounts on my personal profile. I discovered that there was CHARGE OFF accounts on my credit report. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ) I have never with these accounts listed below, so please help me remove these CHARGE OFFS, from my personal profile. A copy of my Utility Bill, drivers license, and W-9 for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

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

I never had a loan with this company they have stolen my identity and reporting negatively on credit profile.
Product: Credit reporting or other personal consumer reports

I have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well.as the 3 credit bureaus. Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized accounts. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. I have no knowledge of this debt. This is not my debt. The name of the debt collection agency is " Capital ONE. The amount on the account is {$1700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has refused to honor my requests and properly investigate my disputes citing on numerous occasions that " A credit repair company was used to issue disputes '' when in fact I mailed these disputes myself. I've sent in an updated police report, FTC reports as well as numerous requests to resolve my issue all to my dismay.
Product: Credit reporting or other personal consumer reports

I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within XXXX days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : I have tried to contact every XXXX of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To whom it may concern : The reason of this email is to put a complain about the situation Rush More loan services They reported me being behind 3 months in XXXX of XXXX But I was placed in forbearance until XX/XX/XXXX of XXXX, when it ended. 

Right after that they put me on a new program referred to as partial claim on XX/XX/XXXX, I spoke several times with RushMore representatives and asked them if I was still protected on my credit and ALL of the said yes that I was protected without any risk of being sent to the bad credit, I spoke over 6 times with them about that in different dates since XX/XX/XXXX and even all the way until XXXX XX/XX/XXXX Rushmore transferred my loan to XXXX XXXX on XX/XX/XXXX and the situation got even worse, During the transition, the apparently lost the partial claim paperwork and by the time they were able to locate the paperwork from Rushmore it was XXXX weeks later. 

When I initially called Rushmore in XXXX of XXXX, they said they were going to delete the mortgage lates and to expect something by XXXX of XXXX. In XXXX of XXXX, I reached out as nothing had happened, and they said another XXXX weeks. This has now been going for XXXX mos. And still nothing. Recently, I had my credit pulled, and the 3 month mortgage late was still reporting. I dont know what else to do, but really need help! 

theyre saying or acting like it was nobodys fault both parties Rushmore and XXXX XXXX saying it was Rushmores fault, I dont think is fair to us since we need to sell our actual house due a personal situation with a baby girl that we have with especial needs and she has medical equipment as well going now more often to XXXX, XXXX  for XXXX to be seeing by doctors over there, for that situation and location of the actual house we need to get a house closer to the way to XXXX, XXXX  since we live XXXX XXXX XXXX right now, apparently theres an easy option to delete those late months through E-Oscar, I dont know why Rushmore dont fix their mistake and let us move forward with the purchase of our new home, we need this matter to get fixed ASAP If you have any other questions please dont hesitate to contact me at XXXX XXXX XXXX Thank you so much for helping on this matter, Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting my five loans under sequence numbers XXXX as being transferred/sold with Equifax and Equifax is reporting these accounts as closed because they stated in a investigation ACCOUNTS REPORTING AS TRANSFERRED OR SOLD ARE CONSIDERED CLOSED when in fact the accounts are actually open and active. I contacted the creditor and received a letter from them supporting my claims that these accounts are actually active and open accounts ; however XXXX continues to report these accounts as transferred/sold to Equifax when I dispute the information which has caused the incorrect information to be reported and remain on my credit report as closed with no balances. This erroneous reporting has greatly impacted my credit score and is preventing me from retaining new lines of credit from other creditors and also preventing me from being able to retain a lease for an apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - SENT LETTERS TO ALL 3 BUREAUS DISPUTING ACCOUNT INFORMATION AND REQUESTED A FULL INVESTIGATION TO VERIFY POTENTIALLY ERROUNOUS INFORMATION AND DETERMINE IF THE ACCOUNT NEEDED TO BE REMOVED. I ALSO ASKED FOR AN UPDATED CREDIT REPORT AND IF ANYTHING IS VERIFIED I REQUESTED A COPY OF ANY PAPERWORK USED TO MAKE THIS DETERMINATION RESULTS : NO RESPONSE XX/XX/XXXX - SENT A REQUEST FOR A RE INVESTIGATION. STATED THST THE INFORMATION COULDNT POSSIBLY BE VERIFIED BECAUSE THE INFORMATION WAS STILL INACCURATE AND DIFFERENT ACCROSS ALL 3 BUREAUS. 
RESULTS : NO RESPONSE XX/XX/XXXX ASKED FOR A FULL INVESTIGATIION AND DISPUTED ACCOUNT AGAIN. THIS TIME ASKING FOR FULL DETAILS ON INVESTIGATION RESULTS : SENT A BILL PRINTED FROMXX/XX/XXXXWITH ACCOUNT BALANCE STATING THIS PRINTED DOCUMENT IS CONSIDERED VERIFICATION XX/XX/XXXX : REQUESTED AN INVESTIGTION AND DISPUTED INFORMATION ON ALL 3 CREDIT REPORTS RESULTS : SENT COPY OF SAME BILL SENT IN THE PREVIOUS DISPUTE STATING DOCUMENT WAS CONSIDERED VERIFICATION XX/XX/XXXX : DISPUTED ACCOUNT INFORMATION. REQUESTED PROOF OF PREVIOUS REQUESTED INVESTIGATION FINDINGS. I ALSO REQUESTED ANY INFORMATION AND/OR DOCUMENTATION TO PROVE VERIFICATION. 

HOW IS THIS INFORMATION VERIFIED AND CREDIT REPORTS SHOW DIFFERENT " DATE LAST ACTIVE '' DATES? 

PLEASE REFER TO ATTACHED DOCUMENTS FOR CLARITY
Product: Checking or savings account

On XXXX XXXX  I was locked out of online banking called bank of America who said their in process of closing my account XXXX for XXXX XXXX  and told me it's a business decision and I tried to get my paycheck that came in XX/XX/XXXX and they are holding it hostage and said legally they can talked to my employer who said bank has to release my funds to me right away called bank America back and they were rude and said by law it's legal that they won't give me my paycheck
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 financial loss, and I seek appropriate redress for these violations
Product: Credit card

l enrolled for USAA Debt Protection plan on XX/XX/XXXX and l clearly told them l am self employed, fast forward to XX/XX/XXXX l lost my business and l could not afford to make minimum payment and USAA denied my application that they do not covered XXXX, they ( USAA ) been charging me over {$100.00} a month for this service. please help, l find this situation to be fraudulent and mis-informed.
Product: Credit reporting

I submitted a request to remove inaccurate information on my credit report and it is still on the report. I want it to be removed as soon as possible.The names to be removed are XXXX. XXXX XXXX. XXXX. These are not my names.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX never applied for credit I dont understand why this creditor is on my credit report. 
XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

Capital One Claim # XXXX Capital One stated that I needed to provide a letter from a third party stating that the vending machine I. purchased from the merchant was unrepairable. I have provided this document as requested. I also emailed it to Capital One, but I have not received a response and am now unable to get a representative on the phone in the dispute department.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the midst of the pandemic in XXXX, we returned our XXXX lease vehicle exactly as agreed in early XX/XX/XXXX, one day before we temporarily moved overseas. We advised XXXX XXXX by phone that we wished to receive the final bill by email which we understood contained an administrative vehicle return fee over and above all lease payments which we had fully paid on time with no delinquency. We explained that we would be overseas and there would be delays in receiving any paper mail while we were overseas. 

We did not receive the requested email with the final bill. Shortly after we returned to the USA in late XXXX, we found in mail delivered by a neighbor a final bill and a debt collection notice with the unpaid amount. We paid the bill by check in early XXXX ( documents attached - imaged check, bank statement, mailed envelope ). The check was cashed as noted in our bank statement but we did not receive a notice from XXXX XXXX. We subsequently received our backlog mail at our local post office ( collection was delayed because of pandemic-related safety issues ) and also received a home delivery of previous mail many weeks after it was sent ( which many other folks we know also experienced with USPS in late XX/XX/XXXX/early XXXX for reasons unclear to us ). We found in our accumulated and delayed mail backlog a debt collection notice with additional late fees claimed beyond the final amount due which we had paid by check as mentioned previously. To our shock, what was being billed was about twice the original amount we had already paid. In any case, we assumed this letter would be superseded by a payment acknowledgment of the original amount due after the check for the same was sent and cashed by XXXX XXXX in XX/XX/XXXX per attached documents. 

We have also just this weekend end XX/XX/XXXX discovered an adverse reference to this matter in our credit report. 

We believe that our good faith in seeking to fully pay our debt is not properly reflected as our credit report currently stands. We have asked XXXX XXXX XXXX XXXX to urgently resolve this matter by acknowledging our final payment and also removing the adverse credit report entry. 

We add that we have not any non-payment of any of our debts in the past except for very few minor delays in very few payments and which were due to overseas travel. All payments on all our accounts are up to date. The above was a truly exceptional situation which occurred under pandemic circumstances.
Product: Credit card or prepaid card

My XXXX  XXXX Visa XXXX Card was either " lost or stolen '' on XX/XX/2022. I immediately reported to VISA Fraud Hotline that my card was " lost or stolen '' XX/XX/2022. 

Leaving my neighborhood grocery store, XXXX XXXX XXXX XXXX XXXX XXXX I noticed my card was missing. From my XXXX I checked my Bank of America Bank account and VISA account and I reported the " four fraudulent charges '' made on my card XX/XX/2022. 

Charge # 1 : XXXX, 2022 in the amount of {$55.00} Gasoline/Fuel, " VISA Fraud Dispute Ref # XXXX '' Charge # 2 : XX/XX/2022 in the amount of {$29.00} Gasoline/Fuel, " VISA Fraud Dispute Ref # XXXX '' Charge # 3 : XX/XX/2022 in the amount of {$470.00} Groceries XXXX, " VISA Fraud Dispute Ref # XXXX '' Charge # 4 ; XX/XX/2022 in the amount of {$540.00} Groceries XXXX, " VISA Fraud Dispute Ref # XXXX '' I have spoken with several VISA reps. over the phone since my initial report of Lost or Stolen and four fraudulent charges. The VISA reps guaranteed me the matter would be investigated. Shortly after my report, phone conversations with VISA, all four charges were " reversed XX/XX/2022. '' My VISA account was credited the {$55.00}, {$29.00}, {$470.00} and {$540.00}. I have had no further communications, texts, eMails, letters, notifications on my BofA App account, or phone calls from VISA regarding this matter. 

The beginning of XX/XX/2022 my XXXX  XXXX Visa XXXX Card statement reported all four charges were again being charged to my account. Again I called VISA Fraud Hotline. Today, XX/XX/2022, I received a letter from VISA stating " ... WE'RE UNABLE TO APPROVE YOUR RECENT CLAIM. '' The letter continues, " Based on your account history, this charge is consistent with previous charges with this merchant. '' I shop weekly for groceries at this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all of my charge amounts, " history '' are under {$100.00}. I have NEVER done business with whatever gas station the charges were made at, so there is no record of a " history. '' ( I also show a continuous history of paying my VISA card charges in full, no late fees, nothing. I have been with BofA / VISA for years. ) I need your help, VISA is standing firm denying my claim. VISA is not supplying signatures from the four charges. XXXX is not helping either. Gas station??? 

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

Divorce proceedings started XXXX finalized XXXX ex spouse was ordered to refinance via servicer modification was done in XXXX solely with ex spouse. I never signed anything beyond XXXX. I wrote directly to servicer and servicer returned a copy of my signature from XXXX and blank for XXXX via ex spouse modification however none of this was known to me at that time. Instead of servicer stating reason for communication was a dispute, they listed reason for communication was a name change? I also attempted several times to dispute information on credit reports and including returned to court in XXXX due to defendants noncompliance. Judge stated if issued remained unresolved, return so it can be enforced not excluding property being sold. Dates and signatures aren't adding up. I never signed anything post XXXX regarding loan.
Product: Credit card or prepaid card

On XX/XX/2022, my penfed credit union cash reward credit card was involved in fraud activity. Money was transferred from my credit card to my saving and checking account and then moved to a XXXX bank. Since then, my personal information has been used ; recently, I received a letter stating that a personal loan was not approved, which I did not request. I was told by the back to contact the three main credit beurs to freeze those acts. To avoid other fraudulent activity. I'm looking for further investigation and stopping who uses my personal information on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive recently tried several times to receive my credit report. 
Every time i'm asked question about accounts and car purchases .I have never applied for a car loan or home loan. 
My credit isn't bad and for the last three years it hasn't increased. 
I would like to get the information of the person or persons involved in this. The credit reporting agency is not giving the information or a view of my credit report or assistance. The information on my credit report i haven't viewed due these verification and questions i know nothing about.
Product: Credit card or prepaid card

On XX/XX/2018 I filled out a pre-qualify application for a Bank Of America credit card. The advertisement stated Will Not affect my credit score. As soon as a submitted my application, a BOA page appeared with a credit card that supposedly I qualified for. The page wanted more information to proceed with card. I provided all my information, date of birth, SS #, Address and work information. I again submitted online application and in that instance, I was denied. I believe this is deception and false advertisement. If the first page submitted went thru fine, then I should have been approved. This poor business practice have damaged my credit scores.