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

There is a fraudulent item being placed upon my credit report from XXXX/XXXX  that is not mine. The person ho set this account up committed identity theft in doing so because I have never had or opened an account with XXXX/XXXX. I have sent no less than 3 disputes to them regarding this matter and I have heard nothing back from them, they did not comply with Section 609 FCRA under identity theft provision. I am attaching my dispute from XX/XX/XXXX addressed to each credit reporting agency demanding a proper investigation into the matter under Section 609 FCRA and they have failed to comply with this section under The Fair Credit Reporting Act. 

I am enclosing an article from XXXX XXXX that references a lawsuit filed against XXXX by The Federal Trade Commission in XX/XX/XXXX. This article discusses the violations of XXXX involving their failure to provide specific records to customers asserting identity theft. As of this complaint submission XXXX/XXXX  has refused to comply with Section 609 FCRA which is causing me great harm and injury to my credit report. In addition, XXXX, XXXX  and Transunion are not conducting a proper investigation into the complaint since they are all aware of dispute under Section 609 FCRA going back to XX/XX/XXXX. This is an identity theft issue and none of the entities are complying with The Fair Credit Reporting Act Section 609. 

Please note the attachments to my complaint along with my previous disputes to XXXX, XXXX and Transunion under Section 609 FCRA.
Product: Money transfer, virtual currency, or money service

I am filing a complaint about Cash App ( Block inc. ) due to inadequate services and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to provide timely and effective measures to prevent fraud and address fraud on their platform leaving my account vulnerable and unprotected.

Additionally, their dispute resolution was unfair and deceptive, as they did not consider moly with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant financial loss and I seek appropriate redress for these actions.
Product: Debt collection

This month I received an alert from my credit monitoring that there was a collection account reported on my credit report. I then looked at my credit report and a collection agency Jefferson Capital Systems reported that I owe {$600.00} to a company called XXXX. I got concerned because I do not recognize this creditor and how can this collection agency falsely and fraudulently report an account that I do not recognize, that is why I am reporting this as identity theft for the reason that I do not recognize the creditor and the collection agency practices is one of fraud and abuse.
Product: Credit reporting or other personal consumer reports

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX XXXX  inquiry date XX/XX/XXXX XXXX  inquiry date XX/XX/XXXX XXXX XXXX # XXXX inquiry date XX/XX/XXXX XXXX  XXXX inquiry XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  ran my credit without my knowlege. XXXX ran my credit report without permission. XXXX XXXX ran report without permission. ther is a collection from online information service for a bill that was paid by insurance and they refuse to provide me a copy of original contracr which is a violation of my rights. I fell that the credit inquiries is an invasion of my privacy because i did nit give permission to view my reports.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the removal of any incorrect accounts from my credit report. Could you examine the documents? Some accounts are inaccurately listed with incorrect amounts and dates.
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 XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

My business checking account wirh Truist Bank was placed on hold the day after I made a check deposit and once the bank sure they received funds for the amount of {$10000.00}. When asked for the reason u was informed by branch manager it was because check was suspicious for check Fraud and that is was not a valid check. When asked about my balance for my account today XXXX/24, they informed me it was negative {$200.00} however when i was informed by Triust bank yesterday XXXX/24 i was informed that my account has positive balance and that they are manipulating the front end system to show a balance that is not accurate. 

I also wanted to note this is a new business checking account and account has been opened for less than a month with several transactions such as deposits, withdrawals and transfers made with no issues with account until i made that deposit for $ XXXX. I also found out that my debit card was blocked the day.my account was opened and I was neither informed and had to find out myself when account was closed. I suspect the bank intended to Block my account since day it was opened ( debit card was blocked since account was created and opened, account was put on hold and proven due to check fraud has no evidence or basis. ) 2. Truist bank is manipulating and inaccurately reporting funds and available balance in their front end system.
Product: Debt collection

Midland Credit Management refuses to report to credit bureaus the accurate amount of money owed according to our settled upon agreed judgement. My attorney XXXX XXXX successfully negotiated an amount of {$10000.00} to be paid in an initial lump sum of {$2500.00} and then monthly payments thereafter. Per the judgement agreement the monthly payments are mandated to be {$310.00}. Since entering in to the agreed judgement my payments have all been made on time and have exceeded the minimum amount. Despite my paying on time the website portal for payments still threatens legal action as though a lawsuit is pending when they have already sued me and my debt is getting paid while still being inaccurately reported to credit bureaus. In addition to reporting false information to credit bureaus Midland Credit Management has contacted me directly multiple times instead of my attorney. The website for payments towards the settlement amount takes days to update after making on time payments and the balances are still not accurately reflected. Midland Credit Management is a shady business that uses underhanded tactics to harass and sue consumers then doesn't have the integrity to report honest or correct information.
Product: Credit card or prepaid card

Good Afternoon, I am e-mailing regarding my XXXX XXXX XXXX Number : XXXX XXXX XXXX XXXX - there are XXXX fraudulent charges on my account between XXXX XXXX XXXX and XX/XX/2020. The fraudulent charges are as follows : XX/XX/XXXX : XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX - Sale : {$250.00} XX/XX/XXXX : XXXX XXXX, XXXX XXXX, NY XXXX ( XXXX ) XXXX - Sale : {$250.00} XX/XX/XXXX : XXXX XXXX , NY XXXX XXXX XXXX ) XXXX - Sale : {$230.00} XX/XX/XXXX : XXXX XXXX, XXXX, NY XXXX XXXX XXXX ) XXXX - Sale : {$250.00} XX/XX/XXXX : XXXX XXXX, XXXX, NY XXXX XXXX XXXX ) XXXX XXXX - Sale : {$540.00} XX/XX/XXXX : XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX - Sale : {$860.00} Total : {$2400.00} I firstly want to mention how disappointed I am with the lack of attention and effort I have received thus far from Chase support. I have repeatedly called with no solution in-sight and can not fathom why this I am being pushed to such lengths for what seems to be very obvious fraudulent activity. 

I live in XXXXXXXX XXXX XXXX, far away from any of these towns mentioned. Not only am I distant from these stores, but also, I live in a city where there are XXXX XXXX XXXX in my immediate area. If you see the details of these transactions, you'll notice the proximity of these stores and notice that they were made in quick succession. Furthermore, my wife XXXX XXXX has a XXXX XXXX credit card that we use whenever making those type of store purchases. The other clear outlier is the XXXX in rXXXX where there was another XXXX purchase, the evidence could not be clearer that I did not make these purchases. 

To be clear, I will not be paying the totaling balance of {$2400.00} and I need this matter resolved ASAP. This is causing me severe stress and has been taking a toll on me since XXXX, when I originally brought this to the bank 's attention. I will be following up with this e-mail daily, plus I will be continuously calling until this is all fixed. I am appalled on the lack of customer service, especially coming from an established bank and company of which I've been a customer of for years.
Product: Mortgage

I entered into loan deferment and modification process with BSI Financial mid XXXX ( originally XXXXXXXX XXXX loan ). I have been requesting to end deferment and move forward for nearly a year now. I did finally get presented with 2 options in XX/XX/XXXX, ( see attached ), of which I selected option 1. I expected to see modification docs within a month or two and begin making payments in XXXX or XXXX ; however, I have not received any correspondence since, except for the one email saying it was still in process or awaiting some agency approval. Follow-ups by phone are made about every two weeks, and at best, I get the same answer or no answer or promised a callback that virtually never happens ( I can only recall one ). I am also noticing that my mortgage has now been being reported as delinquent to credit reporting agencies for the last several months!! I feel like someone is purposefully trying to keep me from getting back on track and trying to take my home, which has significant equity. I have been ready and able to make payments for quite some time. I also have been getting strange junk mail referencing a mortgage amount that is unfamiliar, but quite close to the deferment amount I agreed upon, so I feel like something is happening, but its being hidden from me or something. 

Thank you
Product: Checking or savings account

On XXXX XXXX XXXX Venmo was supposed to issue me a temporary credit for a dispute at the atm. They instead falsley claimed they released the credit to me but infact only claimed they did in email, there was no way of me recieveing my credit. Which is against the law. Forward to NXXXX XXXX XXXX venmo sends me an email claiming my temporary credit is now permanent and the case is resolved in my favor. Yet, still venmo has my funds locked without my permission or consent. This is extremely scummy behavior from not only a bank, but a business to practice this type of behavior towards customers is truly appalling. Venmo is going against my right and not allowing me to widthraw, transfer nor spend MY funds, that rightfully belong to me. I will be taking legal action. I advise everyone to Stay far away from this garbage bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX ( Sub # 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 ConsumeXXXX reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear T   rans Union, This is the 6th letter Im writing about incorrect information on my credit report. I checked my Trans Union Report on XX/XX/XXXX  and the item in question was deleted on  X/X/17  to be added again on a later date. This same item was then deleted again on  X/XX/17  and added again on  X/XX/17 . The item in question has been deleted from   XXXX    and  XXXX  and never added again. ( See item in question below ).
-  XXXX   XXXX   XXXX   : Loan #   XXXX    XX/XX/XXXX  Payment For the Home address listed on the letter above.
I have attached a copy of the disputed letter results sent to me by your company on   XXXX   The payment was made along with future payments, I would like to get the 30-day late payment removed, since the payment was made. I signed up for electronic communication when this account was opened and opted out of paper communication per   XXXX   XXXX   suggestions. I should have received my monthly reminders as I had in the past, but that did not take place and was confirmed by   XXXX   XXXX  . I also did not receive any phone calls from   XXXX   XXXX   in regards to this situation.
Please delete this misleading information, and supply me with a corrected credit report within 30 days. You have left me with no choice, I have filed a report with the Consumer Financial Protection Bureau on  X/XX/17 .
Sincerely,
Product: Credit reporting or other personal consumer reports

Bank of America froze my account for over two months.

I own a small business and lost {$30000.00} in revenue. 
. 
My business is very successful. 
Sadly, My business in now discredited and I am know a victim of defamation of character. 

I would like to recuperate. If possible may you please inform on the best resolution. 
. 
My business is very successful. 
Sadly, ***** Bank of America, Held payment and froze my account for over Two months. 
- while account was frozen -7 checks were declined ***** It was a one time incident and was handled excessively. 
*************************************************** Bank of America RULE BOOK says... 

-What is a frozen account? 
A frozen account prevents withdrawals and transfers, but deposits are still allowed. 



*************************************************** I had to put my business on hold, Since my account was frozen. 
I tried to continue my business but the bank kept declining business payments. 

I kept assuming they would let me access my account but they kept me in suspense. I Called everyday, asking for a date and time when will account be accessible and Bank of America said it takes up ten days to get back. Three months past, and my account was still froze. I continue calling the bank and they would repeatedly say someone is going to call me but I got no call. 
. 
****** I had to redo my payment method and clients backed out. 
******. 
. 
************* I also receive two SOCIAL SECURITY direct deposit checks a month and for Three months checks where declined and send back. 
*************. 
I cant understand why one incident would take so long to resolve.

Also upset that the resolution was to close account, even after being resolved. 

I lost {$30000.00} in revenue, due to account being frozen. 

I am now restocking, rewriting cost of material and schedule of liabilities. 
With the gross of this coming year and recuperating, The business would still be under {$10000.00} for next year. 

Pertaining to this matter, I have tax records that show my business went under deficit due to being out of business for about four months. 


If possible is there anything I can do, maybe be compensated for half or full. I would like to recuperate from Bank of America 's Negligence. 


Feel free to respond via phone, text, or email, Please inform on the best resolution. 

Thank You for reading this message. 

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

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX : XXXX XXXX XXXX TYPE : AUTO FINANCING DATE OF XXXX : XX/XX/2021 XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax/ I am requesting proof that " XXXX XXXX '' have permission to look at my credit report.
Product: Checking or savings account

I have a free checking account with JPMorgan Chase since the late XXXX 's! I have always kept enough money in all my accounts as well as my brokage accounts to not have to pay a monthly checking account fee and to get my free checks all those decades! On this month 's checking account statement on page one in bold letters it states, We're updating some check related benefits for Chase XXXX XXXX Checking, beginning XX/XX/XXXX, we will no longer offer the following free check benefits for Chase XXXXXXXX XXXX Checking. Check prices vary based on the style you order!!! I have been getting very plain checks all this time and when I called their service line ( XXXX ) on Monday XXXX to ask the Chase rep to see if I would have to pay for the checks I normally order and she said, " Yes, it will cost you {$30.00} for only 80 checks!! '' No other explanation, no senior discounts, nothing more!! I told her I was very disappointed as a Chase customer for so long, and to send my complaint to higher management!!
Product: Debt collection

Dear XXXX. We have wrote three times to these people. All we ask is a accounting of what was purchased as we had payed Jc Penney Off.Then two years later they say we owe XXXX XXXX I have requested an itemized account. They will not supply XXXX. We do not owe a dime. Sincerely XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Subject : Final Request for Removal of Inaccurate Collection Account Account # XXXX To Whom It May Concern, I am writing to follow up on my previous disputes regarding the collection account listed on my credit report under the account # XXXX. Despite my initial dispute and follow-up request for verification, this inaccurate collection account remains on my credit report, saying is Verify without proved.

I have provided evidence that the collection agency did not validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ), only accurate and verifiable information should be reported on my credit file. 
Since the collection agency failed to provide validation and my previous requests for verification have been ignored, this account should not appear on my credit report. This is my final request for the removal of this account. If you do not remove it, I will be forced to escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for non-compliance with the FCRA. 
Please remove this collection account from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file. 
Thank you for your immediate attention to this matter. I expect a response within the XXXX period allowed by law. 
Sincerely, XXXX XXXX
Product: Mortgage

I bought my house in XX/XX/XXXX. Penfed Credit Union took over the mortgage in XX/XX/XXXX. 

In XXXX, XXXX, I received a delinquint city tax bill from my City. This is strange because I see tax payments from my escrow account at Penfed. 

On XX/XX/XXXX, I called Penfed to figure out what is happening. I spoke with XXXX, who told me to email a copy of my delinquint bill. There was no email confirmation and I received no contact. 
On XX/XX/XXXX, I called again to verify that the documents have been received, spoke with XXXX again, who told me that the documents have been received. 

No contact. 

On XX/XX/XXXX, I called again to see if there are any updates. The woman I spoke with told me that XXXX was not the right person to speak with, and to email the delinquint bill again. Also, I was told that the " appropriate department '' is working on it and that someone from that department will be contacting me. 

No one has ever contact me by calling, which I requested every time. The only email communication I receive is either none, or an automated email response. 

On XX/XX/XXXX I call again and finally learn that PenFed has been paying my escrow to the wrong property since the beginning of the loan. In total they've paid out around XXXX $ XXXX for someone else 's property. 

After finding this out, Penfed decided to pay all the delinquint taxes to the City plus the late fees, and changed my escrow balance to negative XXXX XXXX dollars. ( - $ XXXX ). 

I send another email on ( XX/XX/XXXX ) asking what has happened to my escrow balance, and a detailed report on how I can get my money back, plus reduce my monthly mortgage payment, and once again receive no answer back. 

On XX/XX/XXXX I call again, and this time, was told that they are researching and they will ask someone in the escrow department to contact me. 

I make it clear that I am forced to pay over $ XXXX a year in escrow just to cover Penfed 's mistake. This is way higher than what I legally owe. It is destroying my finances and if I don't make this payment I will get a penalties and late payments. 

Penfed does not care, $ XXXX is small to them, but it is an incredibly large amount to me. I keep on calling and calling and no one really seems to care.
Product: Debt collection

In the fall of 2015 I ended four years of service with XXXX XXXX XXXX. I paid my bill on time for 4 1/2 years. I left because XXXX XXXX XXXX tried to sneak additional charged services in without notification beyond items hidden in the fine print. 

I ended my account in XXXX of that year, paid my past due and moved the number to XXXX. Then in XXXX I was charged for a full additional month of service not received. I protested and eventually had verbal confirmation that the charge would be forgiven. Now they have resent it to collection. The matter is only over the amount of {$81.00} which was charged for services never received. 

This is terrible business practice and very dishonest. I seek XXXX XXXX XXXX to remove the fraudulent bill and fix any negative impacts to my credit.
Product: Consumer Loan

I have submitted a cease and desist letter to Synchrony Bank by certified mail and received a signed receipt back dated XXXX XXXX, 2015. I have XXXX accounts with them and the letter included all accounts. Synchrony continues to call me several times a day to demand payment. I have blocked the number but the phone still rings to alert me to the call.