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

I have a checking account with Bank of America since XXXX. In XXXX, XXXX, I deposited a check for the amount of {$7700.00} into my XXXX account and do my normal payments for my expenses. Few days later, Bank of America notified me that the check was fake, so I immediately filed a police report and open an investigation. I also informed the bank about this fault and closed the XXXX  account with a new checking account. So there is still an amount of {$2500.00} marked as over-drafted due to the fake check. All these years I thought the investigation is still going on. But on XX/XX/XXXX, the Bank of America suddenly withdrew {$2500.00} from my new XXXX account without any notification or warning. I called the bank for XXXX days, routed through XXXX different departments and finally got the answer from the bank. The bank has no right just to withdraw money from customer 's XXXX account without notice, plus this action made my account with negative balance in result the bank charged me additional {$20.00} for the overdraft fee. I am a victim in this fake check incident. If I am part of the scam, I will not keep my account with Bank of America. The action by Bank of America is nothing but a thief. I wish the government could do something about this.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Information on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account I am filing a complaint against Experian, XXXX, and XXXX due to inaccurate information reported on my credit reports regarding an account from XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ). Below are the details of the discrepancies : 1. Account Number Discrepancies : XXXX is reporting a different account number for this account than what is shown in Experian and XXXX reports. 
2. Account Open Date Discrepancies : XXXX reports a different account open date compared to XXXX and Experian. 
3. Late Payment Reporting Discrepancies : Experian reports four late payments, while XXXX and XXXX report five for the same account. 
These discrepancies are violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681 ( a ) ( b ), which requires credit reporting agencies to ensure maximum accuracy. Under 15 USC 1681n, each willful violation is subject to a {$500.00} fine. Additionally, 15 USC 1681o holds agencies liable for negligent noncompliance, and 15 USC 1681s-2 outlines the duties of furnishers to provide accurate information. These inaccuracies also breach the Privacy Act of 1974 ( 5 USC 552 ( a ) ( e ) ( iii ) ), which mandates compliance with U.S. laws regarding consumer credit information.

I request that the CFPB investigate these inaccuracies and ensure the immediate removal of this incorrect trade line from my reports with all three bureaus. I also request enforcement of fines of at least {$500.00} per violation, totaling {$1500.00} for the three violations noted. 
Please provide a response detailing the actions taken to correct these issues.
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 15 U.S.C 1681 XXXX-Balance {$660.00} XXXX  XXXXBalance : {$7900.00} XXXX XXXX -Balance XXXX {$5500.00} XXXXDate Opened : XX/XX/XXXX : XXXX XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Date Opened : 07/01/202 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency makes any consumer report containing any of the following items of information any other adverse item 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 reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX  SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TODAYE DATE:XXXX
Product: Money transfer, virtual currency, or money service

Recived a scam call not knowing at the time, called themselves the police department and told me they needed me to pay for a bail because I did not show up to court which was all a lie. They had me take out {$10000.00} in cash, I paid about {$4000.00} to this person through cash app.
Product: Debt collection

XXXX XXXX XXXX Account Number XXXX Dear XXXX XXXX XXXX ], I am writing to dispute the debt collection notice I received from your company dated XX/XX/2022. According to the notice, I owe {$1700.00} to XXXX XXXX XXXX OF XXXX XXXX However, I am disputing this debt for the following reason ( XXXX ) : XXXX XXXX XXXX is violating your consumer rights by using false misleading, misrepresentation and deceptive means. XXXX XXXX XXXX has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I was incarcerated at the time the account was open In support of my dispute, I am attaching the following documentation : Letter Of incarceration I request that you immediately investigate this matter and cease all collection activity until the dispute is resolved. Please provide me with written confirmation that my dispute has been received and is being investigated within 30 days, as required by the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I request the following information : The name, address, and phone number of the original creditor. A detailed breakdown of the charges and fees associated with this debt. Any evidence you have that I am legally obligated to pay this debt. Please be aware that if you fail to validate the debt or continue collection activity after receiving this dispute, I may pursue legal action against your company. Thank you for your time and attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information is being reported Account name : XXXX Account # XXXX Account is being reported with an inaccurate date of last activity. Delete for inaccurate data being furnished on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account showing on my credit files from XXXX XXXX ( Account number listed : XXXX ) I have never had an account withXX/XX/XXXX. This is a fraudulent account opened by someone using my identification. 

The loan shows that it was opened in XX/XX/XXXX8 and no payments were ever made on it. 

I have disputed this with all three bureaus and it remains on my account. I have contacted XXXX XXXX for their dispute process. They agreed to send me information to start a fraud investigation. I have not received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information, inquiries, as well as accounts that was not mine that have been falsely reporting on my credit reports. I addressed these items was not valid and demanded they be investigated. I also demanded that any information not validated be removed from my reports, and anything that was verified I demanded to see proof of validation within 15 days of completion investigations. All sent certified mail it has been over 45 days and no changes to my reports have been maid nor have there been any proof of validation. According to the FCRA section 609 these agencies are violating my rights and reporting inaccurate and incomplete information as well as information thats completely not mine. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, are the accounts falsely reporting on my reports all information is different on each credit bureau as if there are duplicate accounts. XXXX refuses to remove old inaccurate address XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX and follow suite with XXXX and Equifax which have already removed this address. Even though I informed them of potential fraud. 
XXXX XXXX is reporting my wife debt which was just an insurance error and have been recently rectified and paid through my wifes insurance. Upon speaking with the original debt holder ( XXXX XXXX XXXX ) they informed me that they didnt tell XXXX XXXX that the debt was mind or that I was an co-signer, I was just listed on the paperwork as Spouse and as Father to my wife and daughter the two individuals who actually received the services falsely being reported on my profile. I requested debt validation from XXXX XXXX directly and they sent over what they have and upon reviewing items sent to me. There is nothing with my signature, nothing obligating me or co-signing, only debt in my wifes name. They have failed to validate the debt concerning me
Product: Credit reporting or other personal consumer reports

I have been trying to get the late off of my credit report for months. I have sent in disputes and nothing has changed. I have sent in proof that i myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Product: Credit reporting or other personal consumer reports

Previous cfpb complaint number XXXX And you'll probably investigation you stated that you were able to verify with the original creditor that this inquiry belong to me but have not percent at me any written authorization to do so. My question is how are you or how were you able to verify that this was my inquiry without providing such? You have all of my rights once again I'm asking to cfpb for assistance on helping me resolve the matter. I have attached a copy of the FTC identity theft criminal complaint # as proof of the federal trade commission that all of the aforementioned consumer credit account, charge offs, collections, and hard inquiries are the result of identity theft and fraud. The Inquries are listed below. 

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: 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 Customer Financial 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 violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get these items corrected with the credit reporting agencies back in XX/XX/2022. I recently noticed that they still have not deleted the items i reported to them that were wrong. I am requesting again that these items be deleted from my credit report asap. because they are hindering my mode of living and causing me from getting a mortgage. I have reported this to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

My old/ previous student loans are being reported on my credit report twice as derogatory accounts. Same accounts are reported by XXXX XXXX and then again by XXXX XXXX XXXX XXXX. All of my student loans were refinanced and consolidated into 1 loan in XX/XX/XXXX, but yet my credit report is showing that I am in default with a balance of {$32.00}. Prior to me refinancing my loan it was in forbearance, prior to my loan being in forbearance I was enrolled in automatic payment which saved me .25 % in the interest rate. I spoke to a customer service rep that assured me that once the loan was out of forbearance the automatic payments would simply continue and I would n't have to do anything. Somehow my loan was transferred from XXXX XXXX to XXXX XXXX and then from XXXX XXXX to XXXX XXXX XXXX XXXX. I never received a notice of this transfer or any changes until I received a transferred call from my supervisor at work. I immediately refinanced the loan after in XX/XX/XXXX. I am now informed that the call made to my supervisor informing him of my student loan being in default was illegal and violated quite a few laws and I will most likely be pursuing legal action. Either way there should n't have never been any negative reporting on my credit and most certainly not after the XX/XX/XXXX refinance because my loan has remained in auto payment with XXXX XXXX and remained in auto pay even after the current loan was transferred to XXXX.
Product: Mortgage

Seterus has not provided me with my XXXX interest form in a timely manner. They have removed my online access since the account was paid in full in XX/XX/XXXX. Therefore I have no way of obtaining the XXXX other than waiting for them to mail. They claim that they mailed it prior to XX/XX/XXXX, but I do not trust or believe them. I would appreciate them providing me a copy of my XX/XX/XXXX XXXX interest form and I would also be interested in seeing proof of their claims that they 've mailed the form to me timely. They have my correct mailing address and verified this with me, but I 've still not received anything. Their standard answer is 'We can not control the mail '. They provided the figures to me over the telephone but I feel more comfortable with the form in hand since I do not trust them due to this same issue occurring last year and issues receiving our overpayment after payoff this last fall. 

I fear they may be compromising my personal information by possibly sending the XXXX form and possibly our refund from payoff to our previous address. I hope this is not the case, but I am not comfortable with the situation.
Product: Money transfer, virtual currency, or money service

I want to formally express my concern regarding how Zelle manages disputes particularly in light of the recent lawsuit that highlighted significant issues with Zelle. Despite using Zelle numerous times and reporting discrepancies both my bank and zelle failed to handle my claim appropriately and that my funds were gone and no way to recover and the funds could not be tracked. The CFPB findings indicate that Zelle neglected to protect consumers but allowed repeated offenders to exploit the system.
Product: Debt collection

XX/XX/XXXX - XXXX from bank account. Called the bank. Bank gave phone number to the debt collector. Called debt collector gave lawyer phone number and they will mail me information step by step to stop the judgment, Call the lawyer, office closed. 
XX/XX/XXXX - Called lawyer office, rep unable to provide info but transfer to voice-mail and suggest to leave a message. 
XX/XX/XXXX Followed up with debt collector about the letter being mailed out, debt collector said it was mailed out XX/XX/XXXX. Debt collector offered to hand deliver the letter, we met, and I was violated and deceived because I got served notice. 
Researched information, unsure if my debt, time barred ended.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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. the accounts i am talking about are listed below : inquiries : XXXX XXXX accounts to delete : XXXX XXXX- acct # XXXX, XXXX XXXX- acct # XXXX, XXXX XXXX acct # XXXX addresses to delete : XXXX XXXX XXXX XXXX ohio XXXX XXXX XXXX XXXXXXXX XXXX  ohio XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX
Product: Debt collection

Yesterday in XX/XX/XXXX. I contacted Columbia debt recovery genesis about a lease they said I owed money on for a rental back in XXXX XXXX. I explained to them I NEVER lived anywhere named XXXXXXXX XXXX XXXX they explained they had a contract showing I did so I asked to see that exact contract. The rep said XXXX XXXXXXXX XXXX  ring a bell? I said yes, but that this was not about XXXX XXXX it was about XXXX XXXX, he then told me that their customer service department must of messed up and put In a different code to link my debt to XXXXXXXX XXXX It was suppose to go to XXXX XXXXs. I said so it took you guys XXXXhree years and me fighting to have this taken off as no debt owed cause you put it to XXXX XXXX? He then stated that is was just a code entered wrong and they would go change the name on the debt. I said you cant do that! You cant just change the name! He said that I also moved out on XX/XX/XXXX of XXXX XXXX  but I moved out XX/XX/XXXX and was month to month I have the copy of the original lease. I asked for them to send me the documents they have and he said he couldnt cause that department was closed but that he was looking at the paperwork. Everything he stated was a lie. Then he accused my husband of staying at the apartments for 12 days leading up to XX/XX/XXXXXXXX I said my husband moved when I moved! He said it must be nice to have had someone pay your rent for those XXXX months. At that point I got upset as I was the one that continued to pay my rent. There was also a lease that was agreed upon by the regional at positive investments ( the company prior to XXXXXXXX XXXX taking over ) that ended XX/XX/XXXXXXXX XXXX XXXX They clearly took the lease that was originally voided that ended XX/XX/XXXX and used that one as a way to collect more money. There was a note on that lease stating that, that lease agreement was voided the one dated XX/XX/XXXX was the actual lease. Also my information was sold to this company and they are the original owner of any DEBT!
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 15 USC 1681. XXXX Account # inquiry / date : XXXX XXXX XXXX XXXX inquiry/ date ; XXXX XXXX XXXX XXXXXX/XX/2022, 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 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 reporting or other personal consumer reports

I disputed the collection with experian because the collection was paid in full. The collection was from XXXX XXXX XXXX, first XXXXXXXX XXXX was the original creditor. The collection was reported on XX/XX/2021 I paid it in full on XX/XX/2021 a total of {$510.00}. Experian stated it could remain for XXXX. My problem is that there is no valid reason for it to remain on my credit report. There is no valid reason for it to show in a negative position on my credit report which puts me at a disadvantage if I try to purchase something by running my credit
Product: Mortgage

Myself and my husband had our hardship resolved and was able to remain in our home after we were swindled by two real estate agents, long story short we applied for a loan modification which was approved this XXXX 2016 after paying the trial period amount of {$2200.00} for three month i called in to pay XXXX on the XXXX and was told the loan was now XXXX via the automative service, i immediately hung up and called back so i can speak to a live person who also assured me that this was my new amount and i will get adjusted information in the mail. 
On the XXXX i received a call stating i still owe XXXX i was just as confused as the person on the other end who took over an hour to pretty much tell me it was an error and i have to pay late fee and they cant help me resolve this issue.I called and spoke to over XXXX people and no one could give me a straight answer not to mention my XXXX statement came with the lower amount on it as well. 
Still confused and overwhelmed
Product: Credit card

I was out of the country in a business trip when I came back to the US I found out that someone was using my name and got a credit card, I tried to explain to the XXXX  agency but they never responded, I asked them for a XXXX XXXX validation notice includes a statement with my signature. Im assuming they dont even have that. 

I greatly appreciate your help Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MEDICREDIT, INC. IS THE COMPANY THAT IS NOT FOLLOWING UP ON CURRENT INFORMATION, NOR ARE THEY EVEN TRING TO HELP ALL THEY WANY IS MONEY ... WELL THIS DEBT BEEN PAID MONTHS AGO YET THEY STILL HAVE IT ON XXXX   REPORT. THEY ARE NOT HELPING IN THE PRONLEM THEY MORE THAN HELPED CREATE