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

I have purchased a certificate of deposit from XXXX XXXX  in XXXX, and the CD matured at the end of XX/XX/XXXX. I chose not to renew, so XXXX XXXX  closed my CD account and issued an official bank check to me containing {$100000.00}. On Saturday, XX/XX/XXXX, my wife and I went to a Bank of America branch located at XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, and opened a joint checking account. The account application was approved within XXXX hour, and we deposited the bank check from XXXX XXXX  into our newly opened BOA account. 

Fast forward to XX/XX/XXXX, Sunday morning, we received an email stating that our BOA ID had been locked, and we needed our account number to reset the password. However, we did not have the account number, so we waited until Monday, XX/XX/XXXX, and went to another branch to discuss this issue with a banker. At the branch, we were told that the account was in the process of closure ; however, no information regarding the bank check was communicated. On the same day, we called BOA customer service. The phone agent informed us that BOA suspected the official bank check we had deposited was counterfeit, so we could not have the account reopened. They also stated they could not return the funds to me because they deemed the check counterfeit ( without verifying with XXXX XXXX  ). We then called XXXX XXXX  and were told that XXXX XXXX  had not replied to BOA 's inquiry of legitimacy yet, so they were very surprised that BOA deemed the check counterfeit. XXXX Bank suggested we make a stop payment request and submit a declaration of loss statement, and we followed these instructions. We also requested BOA to start a secondary review. 

On Tuesday, XX/XX/XXXX, we called XXXX BXXXXnk again to follow up on the stop payment request. We were told that BOA had cashed the check anyway, so XXXX XXXX  could not do anything at this point. BOA told us again that if we failed the secondary review, BOA would return the funds to XXXX XXXX. However, XXXX XXXX  told us that they could not accept the refund since my CD account in XXXX Bank had been closed and suggested we call BOA to find out how BOA would return the funds. We called BOA again, but the phone agent could not disclose any information regarding how to refund, nor how long the secondary review would take. 

I am furious about the whole situation. I don't understand why BOA would put my account in the process of closure on Sunday without bothering to verify with the issuing bank. After all, this is an OFFICIAL BANK CHECK. If the legitimacy of the check is in question, shouldn't BOA call XXXX XXXX  first ( this is what the XXXX XXXX  agent told us )? After all, the funds were already on hold. If BOA suspects the legitimacy of the check, then why did they cash it anyway? If the check is legitimate, why close my account? Most importantly, they can hold onto my money for however long in the name of a secondary review. Or worse, take my money, saying the check is fake without any evidence. This is nonsense.
Product: Debt collection

I am just getting harassed continuously everyday, I get called around 15 times a day from unknown numbers.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to the failure of [ Experian, XXXX, or XXXX ] to accurately investigate and correct erroneous information on my credit report, despite multiple dispute attempts, which directly violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : On XX/XX/XXXX, I noticed a significant inaccuracy on my credit report. Specifically, an account listed under the creditor is inaccurately reported as delinquent, unpaid, or otherwise incorrect. This account is either completely unrecognized or inaccurately portrayed in terms of payment history, balance, or status. 

Actions Taken : I formally disputed this inaccurate information with Experian, XXXX, and XXXX on, providing supporting documentation to prove that this account either does not belong to me or contains errors that are materially affecting my credit standing. Despite this, Experian, XXXX, or XXXX failed to properly investigate, verify, or remove the inaccurate information within the legally required 30-day period stipulated by the FCRA. Instead, they either provided an inadequate or automated response or reinserted the erroneous information without adequate verification.

FCRA Violations : Under the FCRA ( Section 611 ), credit reporting agencies are required to conduct a thorough investigation and remove or correct any information that can not be verified within 30 days. Experian, XXXX, and XXXX has failed to comply with this federal requirement. Furthermore, they failed to provide documentation verifying the accuracy of the disputed information or a reasonable explanation for its continued presence on my report.

Impact on My Financial Standing : The continued reporting of this inaccurate information has severely and unjustly impacted my credit score, resulting in significant financial harm. This has negatively affected my ability to secure favorable loan terms, housing, and other financial opportunities. 

Desired Resolution : I am requesting the immediate deletion of the inaccurate account information from my credit report and a full investigation to ensure all reported data is accurate and compliant with federal law. Additionally, I am seeking written confirmation that the erroneous information has been permanently removed and will not be reinserted without proper verification.
Product: Money transfer, virtual currency, or money service

Paypal is trying to charge me XXXX, but I never in my life have used there service 's, starting in late 2017. They started contacting me trying to get my identity, and I wasn't going to give them my information because I never used them. There was no billing in the mail from Paypal and I just got a bill from a place called XXXX XXXX XXXX 's XXXX and They put it on my credit report, with no contact or billing sent.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Late Payment XXXX  ( Account # : XXXX ) To Whom It May Concern, I am formally disputing the late payment reported on my credit file for XXXX ( Account # : XXXX ). This negative mark is inaccurate, and I am requesting its immediate removal per the laws outlined below. 
1. FCRA 1681i Dispute with Credit Bureaus Under the Fair Credit Reporting Act ( FCRA ) 1681i, credit bureaus are required to investigate and verify the accuracy of any disputed information. If the furnisher ( creditor ) can not provide proper documentation proving the late payment is valid, it must be deleted from my credit report. I request that you : Conduct an investigation into this late payment. 

Provide me with the date, proof of delinquency, and original creditor documentation validating this claim. 

Delete this late payment if it can not be fully verified. 


2. FDCPA 1692g Debt Validation Requirement Under the Fair Debt Collection Practices Act ( FDCPA ) 1692g, if any third-party collection agency is reporting this late payment, they must provide : Proper validation of the debt. 

Original creditor records showing that I was notified and given a chance to dispute the alleged late payment. 


If the furnisher can not provide this validation, the late payment must be removed from my credit report immediately. 

3. TILA 1666b Timely Posting of Payments Under the Truth in Lending Act ( TILA ) 1666b, payments must be credited as of the date of receipt, unless a delay does not result in a fee or an adverse effect. If the late payment was caused by improper posting or delay on the part of the creditor, this reporting is inaccurate and violates federal law. 

I demand that you provide : Documentation proving that my payment was processed correctly and in compliance with 1666b. 

If no such proof exists, the late payment must be removed from my credit report immediately. 


I request written confirmation once this matter is resolved. Thank you for your immediate attention to this dispute. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was sent {$1100.00} by my sister through Cash App. When I went to retrieve it all but {$10.00} was gone. I immediately called Cash App to inform them of what happened on XX/XX/XXXX they assured me they would investigate and informed me of their findings in 7 to 10 days. When I didn't get a response I called back on XX/XX/XXXX, I was informed there would be a further investigation into the matter in 7 to 10 days. When I didn't get a response for a third time, I called back on XX/XX/XXXX and I was informed their investigation was complete. Now, I am without money or an acceptable explanation. I never made any of these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2019 Account type Mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to remove statements, fraud alerts and extended fraud alerts from all three of my credit bureaus and have been unsuccessful can you please get all of these removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having problems with American first finance. I have paid off in full both my accounts one was {$440.00} and {$450.00}. They have not reported it the credit bureau and im not happy. I had to call two months ago because they werent reporting my payments .Why should i have to call them to report that I have paid these accounts off. I did part and paid in full and even early.
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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violent actions.
Product: Credit reporting or other personal consumer reports

RE : Social Security XXXX and account reported from : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : Under penalty of perjury, I swear this account is false and misleading. Please remove it from my credit report. 

Creditor : U S DEPT OF EDXXXX ( XXXX Creditor : XXXX XXXX XXXX ), Account : XXXX Reason : Under penalty of perjury, I swear this account is false and misleading. Please remove it from my credit report. 

Creditor : U S DEPT OF EDXXXX ( XXXX Creditor : XXXX XXXX XXXX ), Account : XXXX Reason : Under penalty of perjury, I swear this account is false and misleading. Please remove it from my credit report. 

Creditor : XXXXXXXX XXXX XXXX XXXX Account : XXXX Reason : Validate Account. Please ensure that all information is accurate. 

Creditor XXXX XXXX XXXX, Account : XXXX Reason : Under penalty of perjury, I swear this account is false and misleading. Please remove it from my credit report. 


ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND XXXX EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE XXXX FORMAT FIELDED XXXX STATEMENTS ( XXXX ), MANDATED XXXX PARCELS OF CONFIRMATION NECCESSARY TO REPORT COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL XXXX ( XXXX ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/ AND OR ALPHANUMERIC SOURCE CODES ( XXXX ), AS WELL AS EVERY AND XXXX EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, -STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT. ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed a Medical Collection that was on all XXXX Credit Bureaus from XXXX. XXXX  for {$1300.00}. The Debt was Never mine, I'm 100 % covered for Medical with the VA at any Local Hospital, Clinic, Doctor ETC. under Community Care Program. The billing was to go directly to, XXXX  XXXX XXXX XXXX GA!! The XXXX from XXXX XXXX XXXX goes all the way back to 2013, over 10 years. My recent Disputes filed on XXXX were Successful with XXXX XXXX XXXX, they have Removed the Collection, BUT Experian has not Removed the Collection and still updated it on XXXX!! I have requested for the Collection to be removed ASAP, with no results. As of today XXXX it has not been removed. My complaint is the XXXX from XXXX. XXXX  on behalf of XXXX XXXX XXXX be removed ASAP from Experian. Thanks XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX balance {$2600.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX XXXX balance {$420.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX balance {$620.00} - This account must be delete immediately due to years of late payments after account was already closed. 

XXXX XXXX XXXX balance {$95.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX balance {$100.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX XXXX Balance : {$250.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX XXXX Balance : {$83.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX XXXX Balance : {$110.00} - Account is reporting inconsistent and inaccurate, please delete this account.
Product: Checking or savings account

I've been managing my three accounts ( one checking, two savings ) online using my personal computer for many years. Despite many attempts, I have been unable to log-in from XX/XX/22 through present ( XX/XX/22 ). I discussed the issue with my local branch on XX/XX/22. The rep did some checking and had me try to log in using different browsers, to no avail. He stated he'd advise XXXX, who would work with me to resolve the issue. I never heard from XXXX, and called the branch again on XX/XX/22. Rep stated there was nothing they could do and advised I seek help from corporate customer service, which I did on the same day. That rep researched the matter and reported that there was a known issue concerning browser compatibility ( affecting various browsers, not just the ones I'd tried ). She stated she could not provide an estimate of when the problem would be resolved, and advised that I simply keep trying to log in each day. 

To date, I've been denied online access my accounts for at least 8 consecutive days, which has prevented me from transferring funds electronically, confirming automatic deposits and payments, obtaining documents, etc. Researching online, I found that many other customers of this bank have also experienced long-term lockouts to their accounts. XXXX XXXX XXXX XXXX XXXXfifth-third-bank ) I find this matter to be a breach of the bank 's responsibility to its customers.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Florida XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Date of Birth : : The Date of Birth listed on my credit report is incorrect. My Correct Date of Birth : XX/XX/year> Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a commercial loan I closed w a broker in XXXX of 2021 through Visio. Both visio and my broker told me multiple times it would not show up on credit bc it was a commercial loan. Both their websites actively advertise this. 
Anyway everything was fine until my loan was sold to XXXX XXXX  out of XXXX. They are reporting my commercial loan on personal credit as of this month. 
XXXX XXXX said they can bc I am a guarantor. I paid over $ XXXX to buy down loan and have a prepayment penalty. Either the broker and Visio actively lied to me or XXXX is in the wrong. I need to know who and how to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have private and student federal loans with navient. During XX/XX/2019, I was advised that I needed to make a payment because the payments they recieved wasn't going to the accounted with the due dates. I was not provided clear instructions on which accounts to pay and as to how much. 

In XX/XX/2019, I spoke with a lady who verbally advised that if I scheduled an payment my account would not report late as I would have met the deadline before the reporting to the three major credit bureaus. A few months ago, I called back and spoke to another lady and asked that an investigation be completed because I was provided incorrect information. 

As a result, the second time I called was advised that a manger would listen to the phone records to hear what her staff advised and assist with getting the late payment removed as I was following her direction. To present, nobody has called and when I call I get the run-around. 

I have tried to handle this on my own and if someone replays the phone record ( as all calls are monitored XXXX will clearly hear the lady advising that if I schedule a payment, my account would not report as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureaus with all of my information and issues as it related to accounts being on my credit report that was not mine. My information was released into the black web and several accounts have been opened that I had no clue about. I asked them to verify where this information was coming from and asked for specific items to validate these accounts. I never received any correspondence, written or verbal, in regards to these items. I have sent a follow-up letter that has been ignored as well. 

The stand-in violation of my rights according to the Fair Credit Reporting Act. And according to that, they must remove and delete any information that could not be verified or validated.
Product: Credit reporting or other personal consumer reports

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

Unauthorized Credit Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There are many negative items that are incorrect. Can they all be validated