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

Please be formally inform of the wrongly reported accounts I have indicated below. These accounts and inquiries are destroying my credit reputation. The account listed below are not mine. I have no idea why they were listed to my credit report. I surely believe that this is a FRAUD or either somebody with the similar name. This is my FTC Report Number : XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit card or prepaid card

Hello, I had a credit card from XXXX XXXX  ( last four digits of the account XXXX ). On XXXX XX/XX/2022 I purchased an airline ticket ( in the name of my mother XXXX XXXX ) from XXXX XXXX using the XXXX credit card - the charge was {$970.00}. 

After that XXXX sold/transferred their retail banking to Citizens Bank and my credit card account was transferred to Citizens bank XXXX but the credit card number had changed. 

I had to cancel the travel and XXXX XXXX have refunded me the amount, that I have paid for the ticket, to the original form of payment, i.e. into the XXXX credit card account ( last four digits XXXX ). The airline sent me the confirmation that they have processed the refund ( {$970.00} ). 

However, I no longer have access to my former XXXX credit card account and the account itself no longer exists at XXXX, as they told me several times. Therefore, I didn't receive the refund. I have called XXXX 3 times over the last 2 months and they refused to do anything, as they claim that my account was closed. 

I did not receive the refund on my Citizens bank account either. The records on the Citizens bank website show the original transaction for purchasing the airline ticket on XXXX XX/XX/2022 with the reference to the " old '' XXXX credit card number ( last four digits XXXX ). But there is no refund from XXXX XXXX on the Citizens bank account. 

I called Citizens Bank 3 times over the last 2 months and they kept telling me that they would investigate the issue and would respond- but I never heard from them. So at this time I exhausted all my options. 

It was not my choice to switch from XXXX to Citizens - it was a decision of XXXX and Citizens and I am fed up of wasting my time trying to get my refund and falling a " victim '' of their dysfunctional and inefficient handling of customers ' financial transactions.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report a violation of the Fair Debt Collection Practices Act ( FDCPA ) by Ability Recovery Services. This company has repeatedly contacted me regarding an alleged debt without my explicit consent, which is a clear violation of my rights under the FDCPA.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I received a copy of my credit report and found the following inaccurate items which are reporting an error : XXXX - XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX  XXXX - XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXXXXXX XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX  - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXXXXXX XXXX  - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported.
Product: Credit reporting or other personal consumer reports

I am writing to follow up regarding a hard inquiry that has appeared on my credit report without my authorization. I have submitted a CFPB Complaint but up to this date it is still open and I was not given any satisfactory resolution. Upon reviewing my credit report, I noticed an inquiry made by the company that I have never provided explicit consent to or to your credit bureau to perform an inquiry on my credit file.
Product: Debt collection

I changed carriers and closed my acount and XXXX removed the credits that were provided to me because of bulling mistakes and then continued to bill me for 6 months after acount was closed
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 nlatform, leaving my acconnt vulnerabe and unprotected. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX was fair and deceptive, as they dia comply with error resurution 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

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX with a date of XX/XX/2005 and a XXXX dollar balance should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XX/XX/XXXX to remove accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX  & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Servicer Heartland ECSI is charging a {$1.00} Service Fee for a Direct Payment ( payment made directly from my bank account ) for my monthly student loan payment. They recently switched to a new on-line portal system - within the last year - and I had called numerous times to complain that making a direct payment still costs an additional {$1.00} per month, even when I was told that there should not be a fee associated with making a direct payment. Now, their old payment portal has been shut down, thus, forcing me to pay the fee if I am paying online. How many other people is this happening to? This is not a fair practice and I seriously doubt this is an oversight on their part.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights.please see attached account number as follows # 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
Product: Mortgage

I have been attempting to close a short sale for over 2 years and Roundpoint mortgage continues to stall and delay by asking for documents not needed or have been sent to them. I have had XXXX cash buyers and the last XXXX is about to give up. They send me confusing requests in the mail so I have to call them to find out what they need. I can not reach my account rep by phone and have to wait until call me. When I send them a doc ( by email ) it takes 3 days for them to read it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian fails to delete account in question after i pointed the obvious inaccurate reporting of account name XXXX XXXXXXXX I asked experian to delete this account because this company does not own it, there fore they don't own it they can not report on it.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX2024 To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX, XXXX, GA XXXX Please update my name to : XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is : XXXX XXXX XXXX XXXX My only telephone number is : XXXX Please remove all other names from my report, as the one stated above is my only name. 

Please remove all the other addresses from my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I opened a checking account with Astoria Bank at XXXX XXXX XXXX XXXX. Everything went well and I was told that in two weeks I will received card in the mail. On XX/XX/XXXX, around XXXX XXXX I received a phone call from XXXX XXXX XXXX. She said that her manager found that part of the compliance was not answered. I asked what is that? She said : we need the name and address of your employer and I asked what for and she put her manager on the phone. The manager came on the phone and said that she needs it for compliance, she said we have to make sure there is no drug dealing and needs to control XXXX. I insist my account is private and I do n't want my employer involved. The manager said if you do n't provide your employer name and address, I will just have to close your account and she hang up. <P/>Also, when I opened the account on XX/XX/XXXX they asked to see my driven license and I told them not to copy my license and was told, if they can not copy it then they have to cancel the account. I also told the manager that I have account with other banks like XXXX XXXX and XXXX and no other bank ask for my employer 's name but them.
Product: Debt collection

The Navy Federal Credit Union ( NFCU ) has implied several times that, " when customer ( XXXX XXXX XXXX ) transferred his ( protected funds ) from his checking to his savings, those funds lost federal XXXX protected status, '' however, manager 's at the NFCU, XXXX Branch, XXXX, California state that, " customers checking and savings accounts are tied to each other and ARE the SAME. '' The NFCU continues its delusional behavior on their statement of denials on case numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. They have failed to produce credible federal laws that over-ride the following federal XXXX exemption laws.

( 1 ) Americans with Disabilities Act.

( 2 ) Public Law 111-275 Veterans Disability Protection Act ( VDPA ) of 2010.

( 3 ) Title 38, Section 5301 ( a ) ( 1 ), Veterans Benefits ( 4 ) 31 CFR 212.6 Rules and procedures to protect benefits.

Sincerely, XXXX XXXX XXXX  XXXX Veteran Copies to : The Department of Veterans Affairs The Office of Congressman XXXX XXXX
Product: Debt collection

The debt is not validated.   I have attached the summons as well as the collection letter from  XXXX  and  XXXX , a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to communicate to XXXX, equifax, XXXX and XXXX about inaccuracies on my credit report. The information is inaccurate and damaging me financially. The above listed companies do not have a way to be contacted. The slanderous and defamatory information is harming me financially. These above listed corporations are violating my civil rights.
Product: Credit reporting or other personal consumer reports

As clearly as water. Thank you CFPB for bringing this awesome evidence to light despite the lies that XXXX XXXX was telling consumers who, like been saying for years ( this is A fraudulent account that magically appeared on my consumer report. I had told XXXX XXXX  and made them aware of this fraudulent account yet they continue to harm my life by ignoring what i have been barking at XXXX XXXX fraud department which i now know is being handled by clerks that were told to ignore any Fraudulent investigation into this credit account. Now I Know why XXXX XXXX was determine to flex and intimidate me into trying to make me believe that they were investigating this fraud account when they never did. CFPB this data furnisher is liable Fair credit reporting act ( FCRA ) under section 623 .Responsibilities of furnishers of information to consumer reporting agencies.

a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 63 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Checking or savings account

On XXXX I spoke to a rep who transferred me to XXXX in online dept. On fixing my accounts to link properly. He told me Id have to close both my bank cards out & start over with a new log in to link my accounts correctly that truist didnt do right when I added a new checking account. He then told me to call the branch rep who linked the account named XXXX XXXX at the XXXX. XXXX branch was supposed call me back to link my cards on XXXX Im still awaiting her call. Then, I called truist on again spoke to XXXX XXXX XXXX XXXX. I had {$540.00} in my savings & truist charged me {$36.00} fee & they didnt transfer the funds over to business account like they automatically do my checking account. They setup my accounts wrong. I dont have overdraft on business account & then I can only see my business card under a different log in. I cant see my personal card at all. My card was lost & had to be replaced a week ago & I couldnt freeze my card. Someone could have taken all my money out & truist isnt available to speak to on the weekend but limited hours. Its sad I couldnt freeze the card when it was lost. The bank hasnt fixed it after numerous calls & transfers. Ive been trying to fix this for months & truist hasnt fixed. 
>>>>>Im requesting the {$36.00} fee be waived on my business account & they link both my cards under one log in like they should have did when it was open. Not to mention, I opened 3 accounts for my minor daughter & it was rushed by a XXXX rep who first didnt link the accounts at all. I spoke to supervisor, XXXX XXXX XXXX XXXX XXXX as a call back. Shed refused a courtesy refund & was rude about it.
Product: Credit reporting or other personal consumer reports

This complaint is to address an unresolved issue regarding a cancelled debt with XXXXXX/XX/XXXX that is being improperly reported on my Experian credit report despite being lawfully discharged. Form 1099-C was filed with the IRS to report the cancellation of my credit card debt with XXXXXX/XX/XXXXXXXX Per IRS regulations, a Form 1099-C represents a formal discharge of debt. Consequently, this should reflect as a {$0.00} balance across all credit reporting agencies. XXXX has appropriately deleted the account from my credit report, and XXXX updated the account to reflect a {$0.00} balance. However, Experian continues to report a balance owed, citing that XXXXXX/XX/XXXX has " verified '' the account, despite my multiple requests for verification evidence under the Fair Credit Reporting Act ( FCRA ). To date, Experian has failed to provide any documentation substantiating the balance. Notably, Experian has cited fraudulent or incomplete investigations, evidenced by Report Numbers # XXXX, # XXXX, XXXX, and XXXX, claiming the account has been verified without any supporting proof. This conduct is inconsistent with federal law and constitutes willful non-compliance. XXXX XX/XX/XXXX and Experian failed to conduct reasonable investigations into disputes as required by FCRA. Experian continues to report inaccurate information, violating its obligation to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ). A Form 1099-C signifies a legally discharged debt. XXXXXX/XX/XXXX continued verification of the account as unpaid is inconsistent with IRS regulations. Supreme Court Precedent XXXX XXXX. XXXX of XXXX. XXXX XXXX, 551 U.S. 47 ( 2007 ) : The Supreme Court has affirmed that willful non-compliance with FCRA constitutes reckless disregard for statutory obligations. XXXX Bank 's failure to provide documentation and Experian 's inaccurate reporting represent such violations. A company subject to FCRA does not act in good faith if it acts in reckless disregard of its statutory duty, which constitutes willful violation under the statute. XXXXXX/XX/XXXX failure to provide documentation substantiating its verification and Experian 's continued reporting of inaccurate information demonstrate reckless disregard for their statutory obligations under the FCRA. I respectfully remind all parties involved that the Constitution of the United States of America is the supreme law of the land. This includes adherence to federal statutes, such as the Fair Credit Reporting Act, as well as compliance with binding precedent established by the Supreme Court of the United States, such as XXXX XXXX. XXXX of XXXX. XXXX XXXX, 551 U.S. 47 ( 2007 ). Failure to rectify this matter would not only undermine my rights as a consumer but also represent a disregard for the rule of law. I urge immediate action to resolve this dispute in a manner consistent with the principles and laws of our nation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX ( FINANCE ) XX/XX/XXXX, XXXX XXXX ( XXXX XXXX  ) XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  THERE IS 1 LATE OR MISSED PAYMENTS ON MY REPORT ON XXXX XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX account what has been reported as a charge off every month since XXXX. Every month it has reported 30,1 60,1 90 1 days late for XXXX and XXXX and the last month it reported that was XX/XX/XXXX. I just updated my XXXX XXXX and for XXXX its reporting 30 1, 60 1, 90 37, for XXXX and its reporting 30 1, 60 1, 90 3, for XXXX! I just updated it for XXXX and it say 30 1, 60 1, 90 1, for XXXX and 30 1, 60 1, 90 38, for XXXX. How did it go from 1 90 days late in XXXX to 38 90 days late in XXXX in 3 months??!!! Also All 3 are reporting wrong dates for date of last activity!
Product: Debt collection

Bank of America set up a XXXX XXXX XXXX machine for me when I went to the bank in early XXXX. I went in the bank for a different purpose but I was rushed into signing up for the service. I was told that I can cancel at anytime if I do n't want it anymore. After several months of the service, I realized I was being charged fees even when the machine was not uses or used occasionally. Recently, my business account was closed with no explanat ion as to why. I then switched my service to a different bank since I cou is not bank with Bank of America anymore. Since then, I started receiving letters threatening me that I owe oover {$1800.00} and most recently that if I do n't pay, it will be reported on my credit. When I reported at the branch, I was told that there was nothing they could t hat all t hay can do iis to connect with with t he company. I did not understand this. I need to return the equipment and walk away from this deceptive arrangement.
Product: Debt collection

On XX/XX/XXXX of 2020, I processed a loan through Affirm INC for an airline ticket. I continued to make payments whilst tracking the amortization schedule. On XX/XX/2020 at XXXX pm, I received an email telling me 'your loan is all squared away '. This was the result of me making what I understood to be the final payment. 

On XXXX the XXXX at XXXX pm, I received an email informing me that a payment on said loan had failed to go through. This is a significant time after the fact that I received confirmation of my loan having been paid off. 

Now I am being told that my account has been charged off and that it will be sent to a collection agency. There was no prior communication from Affirm prior to this rather alarming notice. 

I was informed upon calling Affirm that they do not have a dispute resolution department which I find hard to believe. I also asked if this would be reported to my credit and was informed that it would report to XXXX. The agent also told me that she had seen this same situation before. 

I am deeply concerned about this practice. It includes false confirmation of debt satisfaction, failure to communicate delinquency and in my opinion deceptive trade practices.