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

These are fraudulent Account on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I Never gave XXXX, TRANSNION XXXX any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following accounts BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or I WILL CONSULT WITH MY LEGAL COUNSEL FOR SUIT
Product: Credit reporting, credit repair services, or other personal consumer reports

am writing to bring to your attention a provision of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a 2Ai, which pertains to the duties of furnishers of information to consumer reporting agencies. As a consumer, I believe it is important to ensure that this provision is properly adhered to in order to maintain accurate and fair reporting of credit-related information. 
According to 15 USC 1681a 2Ai, furnishers of information are required to : Provide Accurate Information : It is essential that information reported to consumer reporting agencies are accurate and complete. Furnishers are obligated to have reasonable procedures in place to ensure the accuracy of the information they provide. 
I kindly request that you ensure compliance with the aforementioned provisions of the FCRA in your reporting processes. Accurate credit reporting is crucial for maintaining a fair and transparent credit ecosystem, and I trust that your agency is dedicated to upholding these consumer protection standards. 
In accordance with the FCRA, I request that you provide me with a copy of the investigation results related to any disputed information in my credit report. Please inform me of any actions taken to correct or update my credit information as a result of your investigation. 
PLEASE STOP REPORTING MY UTILIZATION FROM THE ACCOUNTS IN THE ATTACHMENTS. I HAVE ALSO ATTACHED ALL IDENTIFICATIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to TransUnion credit bureau that I have fraudulent inquiries on my account. I have also sent them a copy of my police report showing my information has been used fraudulently. Upon sending this information to them they have yet to remove fraudulent items. Therefore they are in violation. The inquiries that should be removed is listed below. 

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

We sent a wire transfer yesterday for a piece of equipment. We had received the invoice with the wiring instruction in an email from the vendor. The vendor claimed to not received the funds. They said that the invoice had been hacked and changed to a fraudulent account. I called my bank, it has been less than 24 hours. They said there was nothing they could do. I have been on hold the the receiver bank, XXXX XXXX for 2 hours now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX : {$19000.00}
Product: Credit card

ALL I KNOW THAT LOWE 'S ADVANTAGE GROUP .. IS NOT HELP NO ONE CAN'T HELP YOU WITH NOTING!!! 
HELP COME FROM THE CREDIT BUREAU...
Product: Debt collection

XXXX XXXX Original creditor, {$2000.00}. I C SYSTEM Last reported XX/XX/2022 This bill is reporting on my credit report. I have asked this company to provide me the documentation with my signature, phone ID and, social security card/number verification. I have not ever purchased or access a XXXX  phone line.
Product: Credit card

I received an email from Citi Cards today that my thank you points were now linked to XXXX. I did not give permission to Citi to share my rewards details with XXXX at ALL. If I added my account to XXXX, that was MY choice and my choice to share that much info ONLY. Citi does not even give any option to easily disconnect my account details from XXXX. That is deceptive and infringes on my choices and privacy.
Product: Credit reporting or other personal consumer reports

I am writing to complain to XXXX XXXX XXXX XXXX about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, and my name is XXXX XXXX XXXX XXXX. My birthdate is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item is reporting late, yet it is closed and the balance is XXXX as reported in my Transunion. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

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

I am writing you about the the misuse of my social security number due to the XXXX XXXX breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me.. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft 1. 
XXXX Case Number : XXXX XXXX. 
XXXX XXXX XXXXXXXX Account Number : XXXX. 
XXXX. 
XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX
Product: Checking or savings account

1. On today, XX/XX/2019 I visited the XXXX XXXX XXXX branch for assistance. 

2. I sat on the couches for several minutes without being greeted or acknowledged. 

3. I asked a teller whether anybody would come to see about me. The teller said to sit on the couch and " any of us can assist you. '' 4. After twenty minutes, XXXX p.m. to XXXX XXXX., I still have received no assistance or even been greeted or acknowledged. 

5. There is a representative sitting in his office doing nothing. 

6. I placed several calls to the branch while in the branch and no one is answering the phone. 

7. BOA branches are understaffed. BOA collects monthly maintenance fees from customers, but does not spend adequate money in labor to provide the most basic customer service. 

8. This is consistent with other experiences I have had at other BOA branches.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  card services XXXXXXXX XXXX card services XXXX, XXXX financial account : 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 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 XXXX 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 the information is inaccurate. 

Under pandemic, and natural disasters they failed to provide relief or subsidy payments.
Product: Credit card

I had received a notification on my credit report that Capital One had made a Balance Update on XX/XX/2024. This card has seldomly been used since it was opened back in XXXX then called Capital One to ask why the balance had been updated as it has not been used in years, and is actually in the " restricted '' status. The first representative could not find the information requested so i asked to speak with a supervisor to get more detailed information. After speaking with a supervisor for about XXXX minutes, they still were unable to tell me why there was a balance update. I am not sure where else to go to receive help with this request, as they are telling me nothing else can be done and they do not know what the update was/ or for.
Product: Debt collection

IC Systems changed the original date of delinquency on an account that has been removed from my credit report for a long time. They showed a very short time frame and moved the date to XX/XX/XXXX as the origin and XX/XX/XXXX as the close. Due to the short period, I strongly feel that this was done knowingly and purposefully. I have never been contacted by this company, and the only reason I was aware that they had performed the illegal action was due to an alert to a change on my credit report. I have started the dispute process with XXXX, but do not feel as a consumer that I should have to wait 30 days for a response to this illegal action by the collection company. This illegal action has made a considerable reduction to my credit score and limited my ability to use what I have worked for. As re-aging is clearly stated as an illegal practice, I would like for further action to be taken against IC Systems for their purposeful deceptive tactics. I will file this complaint as well as pursue other avenues to correct my report and ensure that IC Systems idoes not attempt to use fraudulent tactics in my reports in the future.
Product: Credit reporting or other personal consumer reports

Second time I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX XXXX # XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Product: Credit card

I have an open account with Capital One Bank with a credit limit of {$1000.00}. ( Information : My credit limit was {$10000.00} with Capital One Bank, but after getting a cash advance for {$5000.00}, my credit limit was reduced to {$1000.00} ). During XXXX 2015, I had a balance of {$11.00} on my credit card account. On XXXX XXXX, 2015 my personal banking account was debited {$11.00} by Capital One Bank from a check I wrote to Capital One Bank. After debiting my account, I now have a zero balance with Capital One Bank. I have not used the card since having a zero balance. On XXXX XXXX, 2015, I received a billing statement from Capital One Bank with a " Renewal Notice '' that I would be charge {$59.00} for a " Annual Membership Fee ''. In the statement Capital One Bank " urges '' that I avoid paying the Annual Membership Fee by closing my account. I have basically, XXXX complaints. Number XXXX : Why am I being charged a {$59.00} Annual Fee with a zero balance, when I have a " Excellent '' credit rating, while other card holders are being charged only a {$39.00} Annual Membership Fee. XXXX I do not want to close my account. Closing my account could affect my credit rating. At any rate, I prefer not to close my account.
Product: Debt collection

I 've been getting called multiple times a day after I paid XXXX $ XX/XX/2016 saying that was the past due amount to clear my account. apparently I still owe XXXX $ an have basically being harassed about this after I was told the XXXX would bring me up to the date of my next payment which is XXXX XXXX 2016. I 've also told these people of my situation multiple times. I 'm on XXXX leave an have been having problems with the State since my paper work keeps having problems or getting lost. I also have a good payment history and this has never happened with me before and they have n't helped me in anyway to come to a solution.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report regarding two late payments reported byXXXX XXXXon my credit account. 
As an authorized user of this account ( Credit Card under my wife 's name XXXX XXXX, ac # XXXX ). I have maintained a consistent history of timely payments for several years. However, XXXX XXXX reported a late payment related to anannual fee chargewithout making anynormal attempt to notify me through the multiple communication methods they have available, including email, text message, phone call, or letter. This failure to communicate directly resulted in an unfair negative impact on my credit report. 
Under15 USC 1681iof the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unverifiable information on my credit report. Additionally, under15 USC 1681s-2 ( a ), data furnishers are required to ensure the accuracy and completeness of the information they report. If the reported information can not be verified, it must be corrected or removed. Furthermore, under15 USC 1666, the Fair Credit Billing Act grants me the right to dispute billing errors, including charges that were unfairly reported without proper notice. 15 USC 1666b : Requires creditors to provide clear and timely statements before reporting a late payment. XXXX XXXX failed to do so in this case. 
Given that this situation has negatively affected my credit score, I request a thorough investigation into these late payment entries. If XXXX XXXX can not provide verifiable proof that they properly notified me and that the reporting was accurate, I formally request that these late payments beremoved from my credit report immediately. 
Please find attached relevant supporting documents for your review. I expect a written response within30 days, as required by law. 
Thank you for your prompt attention to this matter. I look forward to resolving this issue amicably. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I sent the Check to CIT Bank to make a payment of the HOA monthly assessment fee. But it had been rejected and the payment was returned. 

As usual, I chose the proof of payment service from XXXX XXXX  and made online payment {$280.00} to the HOA account which is XXXX XXXX XXXX. The XXXX XXXX XXXX co XXXX XXXX XXXX XXXX XXXX XXXX account set up with CIT Bank XXXX I schedule on XXXX then it will be sent on XXXX and delivered by XXXX. Also, the due date of payment is XXXX. 

Two weeks later. I received the statement from the HOA, the statement show the HOA XXXX XXXX XXXX XXXX did not receive my payment and charge the late fee {$28.00} to my account. ( See attachments XXXX ) I contacted the XXXX XXXX  and XXXX XXXX XXXX XXXX a few times to get more information. The XXXX XXXX XXXX keep saying they did not receive the payment and enforce the late fee {$28.00} and interest {$2.00} to me. ( See attachments XXXX ) I spent the time to take look the history of my HOA payment and I also double-check the payee account number and message ; they are all correct. The HOA received all my other checks without an issue. I am used to send the monthly HOA payment with the XXXX XXXX. 
( See attachments XXXX ) The XXXX XXXX  review the case and have a letter to me on XXXX, the reference case number also available for check. The letter state that My bill payment for {$280.00} that was sent on XX/XX/2022. This payment was sent as a paper check, and it had an expected delivery date by XX/XX/XXXX. Paper checks had been sent, but the check was returned to the XXXX XXXX  and not cashed. The check was voided, and my payment amount was refunded to my account ending in accounting number XXXX on XX/XX/2022. As they stated there were no errors from the XXXX XXXX. It means there were no errors from my side. 

This situation is the payment check was delivered on time, but CIT Bank paid no attention and ignored it, made the check had been rejected and then returned. So, it means there were errors in the payee side.
Product: Credit reporting or other personal consumer reports

I am bringing to your attention an issue regarding an account on my credit report that has been inaccurately verified as accurate. Despite providing supporting documentation, which I have attached, the information remains incorrect, and no corrective action has been taken. 

This situation violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i, which obligates your agency to properly investigate and rectify any inaccuracies.
Product: Debt collection

I am requesting contracts from Midland Credit that show I am responsible for the following debt with them : Account info Account name MIDLAND CREDIT MANAGEMEN Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$450.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$450.00} Balance updated XX/XX/XXXX Recent payment - Monthly Payment - Original balance {$450.00} I do not know a contract between myself and this company, I am requesting immediate deletion of the account from my credit report as it it causing financial difficulty for me and my family. I have attached a copy of the credit report from XXXX as well as identifying documents for myself.
Product: Credit reporting or other personal consumer reports

I requested Experian to properly investigation an account I dont recognize on my report. They got back to me within an hour and they stated the inaccurate information will not change and remain on my credit report.
Product: Debt collection

ERC has been trying to contact me repeatedly for debt either not owed due to fraud, threatening me about seizeing property I dont have. Recently last week I told them Im very sick and have had XXXX of XXXX XXXX on my XXXX and not working at the account for XXXX shouldnt be owed due to have XXXX XXXX multiple times not working having to stop working my kids XXXX XXXX me constantly in and out the XXXX XXXX XXXX XXXX due to XXXX XXXX I lost my home I lost everything in my home. They repeatedly call either from different number and demanding me to contact other numbers to make a payment of {$1800.00} that I dont have. All American lives were at risk and I was fighting for mine. Before I even knew I had XXXX I had XXXX and just thought I was sick. But my kids were bringing it home from school so thats why my Dr wrote a note to the school stating my kids needed to go on Virtual due to the XXXX XXXX I had already with my XXXX XXXX. Please remove this debt and stop calling me.
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 violates 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. I seek an appropriate readdress for these violations.
Product: Credit card or prepaid card

On XX/XX/2021 went to Bank of America ATM machine to make a payment put {$400.00} in the machine the machine sent back a printed statement saying they were unable to process and can not return my items which is {$400.00} I called the number they gave me they assured me it would be taken care of insideThe girl told me it happens to her its frustrating but they will take care of it immediately its almost 2 months now nothing I keep paying interest on this {$400.00} I went to the bank and ask them to take care of it they said they have nothing to do with the credit cards but yet the credit card says Bank of America on it my statements come from Bank of America and they refused to do anything
Product: Credit card or prepaid card

A XX/XX/2020 charge of {$170.00} was an online purchase. I received the wrong items from the company and returned them within their return policy. The return and dispute was started in early XX/XX/2020. I sent in documentation showing the XXXX shipping details, the delivery and signing of the package and the compliance with the return. Since then, every week I've called customer service and the dispute department at Capital One. After 2 hours on hold each time for them to review the case, I am told that everything is in order and that a credit will be applied in 2-5 business days. It never comes and then the next week I repeat the entire thing. It's been 2 months and they haven't returned my money. If it was the reverse situation I would have been charged interest and late fees. So I am requesting the same thing. Upon asking for management or a compliance department, I was told that neither exists.
Product: Money transfer, virtual currency, or money service

Sofi has held my money illegally. After saying my account was under review because someone who sent me moneys had deposited a fake check in there account ( which has nothing to do with me ) sofi has held my money for weeks now resulting in late fees and emotional distress aswell as debts piling up