23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They hired me to work for their company and gave me and advance on commissions. When I couldn't perform well enough they fired me and I couldn't pay back the advance. They sent me a letter that had three lies in it. First they said they were going to file a complaint against my FINRA license. ONLY CUSTOMERS can file complaints with FINRA. So they threatened my license and they had no right to do that. Second, they threatened me that they were going to contact my bank to get all my information and take money out of my account. However, I saw that unless they have filed a lawsuit they are not allowed to threaten that. Third, they sent me an email to my address with my employer which is a monitored email which put me at risk for adverse action. 

I have attached a copy of the letter they sent to me admitting they were going to try to damage my license with FINRA when they are not allowed to complain to FINRA because they are not a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX  have removed the inaccurate accounts on my consumer report, however, Equifax refuses. I have police reports, FTC reports and everything they need to show this information is not mine.
Product: Checking or savings account

Simple was closed by BBVA. They transitioned over XX/XX/XXXX. Beginning that XXXX morning I have been unable to access my account or funds. My card is getting declined intermittently. Have tried calling multiple times with no luck getting help. I think I am up to like 20 or 30 times calling now. They claim there is technical issues with the call center but one time I called in and got someone. They could clearly hear me and I made no mention of Simple. I said I just needed help since my debit card would not work. They said they would be happy to help and then when I said it was tied to the Simple transition they said Oh and then it clicked dead. Looking online I am not isolated in my issues but this is getting insane.
Product: Credit reporting or other personal consumer reports

XXXX is an account on my report I did not even know about. Previous disputes did not get me anywhere. However, they sold this account to a XXXX XXXX, who in turn, filed a lawsuit against me. I fought the lawsuit, and it was dismissed with prejudice. As you can see in the attachments via XXXX XXXX XXXX responses, XXXX continuously says that they have nothing to do with this, and to reach out to XXXX XXXX. I reached out to XXXX XXXX via the XXXX and they state exactly what I have said, this was thrown out, and they have nothing to do with this. As part of the lawsuit, this reporting should be stopped, as a settlement was agreed upon. XXXX just verifies without actually looking into the situation. With all of the documentation provided, including XXXX saying they were not even the ones reporting this tradeline on my report ( which is not factual ), I am requesting for the CFPB to intervene to have this tradeline removed from all credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

I noticed errors on my credit report related to 15 USC 16c-2, as there are unauthorized inquiries impacting my credit. Kindly remove these hard inquiries.
Product: Mortgage

Chase bank has not been been able to resolve an issue with our mortgage payments. Their failure to post a payment three years ago has caused damage to our credit score since it seems our account is past due. We have attempted to resolve this issue on numerous times to no avail. Every time we call, a new representative takes our phone call and, after looking at the evidence, agree with us that it was a simple accounting error. We wait for another three months and call again. As you can imagine this is a XXXX situation and we are ready to take legal action. A friend recommended we take our case to this agency. Thank you and hope to hear from you soon.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$540000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$58000.00}
Product: Credit reporting or other personal consumer reports

GM financial offered me 5 extensions throughout the life of my auto loan but never disclosed to me that they would be marking the payment as 30 days late even though the payment was moved to the end. It is inaccurate to report that I paid 30 days late when I havent even made the payments at all, because it was extended to the end of my loan. GM financial needs to update those months to say no data, since it is inaccurate that I paid 30-59 days late. I spoke to a customer service rep who said a manager would call me, but she never returned my call.
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 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 card

AMEX sent me an offer for a 6.99 % reduced rate on my credit card purchases from XXXX/XXXX/16 to XXXX 2016. I signed up and accepted this but to date, AMEX has not applied this lower rate. I even received an email confirmation but still not receiving this rate. I called and spoke to a rep who did not have a good command of XXXX and she told me I am getting the rate but could not provide and evidence of me receiving this rate. I told her that she was wrong and she told me to write to AMEX. Attached is a copy of my fax correspondence and delivery confirmation Sent : XXXX @ XXXX EST and still not even a response. At this stage, I am due a refund by my calculations of over {$300.00} to date and this will only increase.
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account XXXX : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I was shocked this morning to see inaccurate accounts on my credit reportIm completely at a loss as to why this has happened. This has never occurred during my usual checks, and I even refreshed my browser multiple times to see if it was a glitch, but nothing changed. Im pleading for a careful review of my documents to resolve this so I can move forward without this burden.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report 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: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following companies to do inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have no knowledge of these inquiries. 
These inquiries were done without my knowledge. 
This if fraud.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Debt collection

On XX/XX/XXXX I received a text from XXXX XXXX XXXX XXXX  that stated they are a XXXX XXXX XXXX XXXX XXXX XXXX, they furnished a link XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I called the number and the guy I spoke to told me that it was collection for XXXX of which is an internet provider that I have never used. The person said it was for XX/XX/XXXX. I could not understand him so I really do not know what ALL he said. I then found information on the company that this could be a SCAM. 


The Account number that was attached to this is XXXX XXXX XXXX 

Just Note, I get Free Internet at my Home as the Communication Tower is located on my Property.
Product: Credit card or prepaid card

Received fraudulent card from KeyBank/Illinois Department of Employment Security
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to reach this company to request a copy of my credit report, opt-out of credit offers place a security freeze on my consumer file. 
I have reached out by phone, fax and email
Product: Checking or savings account

To Who It May Concern, On Wednesday XX/XX/XXXX  a fraudulent transaction attempted to post to my bank account with Capital One 360. That transaction was for {$3000.00} made by   XXXX   XXXX   ; that transaction was also rejected due to non-sufficient funds. On Wednesday  XX/XX/XXXX , a hold was placed on my account for the {$3000.00} which caused my account to go into negative status ( $ -1,774.90 ). I have spoken with Capital One 360 about this and they are telling me that nothing can be done because the transaction has not posted it is just being held incase   XXXX   XXXX   attempts to take the funds again. I have spoken with four members of their management department with no help. I have also contacted the Federal Reserve Bank ACH Department. They advised me to this website to submit a complaint.
<P/>
Due to this fraudulent transaction my family now has to go without food and utilities because my payment to my utilities was rejected because of this hold on my account. Capital One is advising me that the hold will come off of my account on XX/XX/XXXX  if   XXXX   XXXX   does not attempt to debit the funds again.
<P/>
So now my family has to wait until XX/XX/XXXX and hope they do not try and take the funds again. Capital One is saying that this is out of their hands and that there is nothing they can do about it.
<P/>
I switched from a small town bank to Capital One for better security. I am not receiving what I expected and definitely do not recommend Capital One 360 to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit my personal statement as part of my Identity Theft Report regarding the severe negative impact of identity theft on my financial accounts. While I can not disclose specific account numbers, my XXXX XXXX  account, XXXX XXXXXXXX XXXX, and various other institutions have been compromised, leading to significant financial and emotional distress. 

Discovering that my identity has been stolen has been an incredibly disheartening experience. It has shaken my trust in the security measures employed by financial institutions and has left me feeling vulnerable and violated. The repercussions of this crime have been far-reaching, affecting both my personal and financial well-being. 

The unauthorized access to my XXXX broker account has had immediate and substantial consequences. The perpetrator ( XXXX ) have conducted fraudulent transactions, resulting in substantial financial losses. This has not only depleted my hard-earned savings but has also disrupted my financial plans, causing undue stress and XXXX 

Furthermore, my XXXX XXXX XXXXXXXX account, which I have entrusted with my personal funds and financial stability, has also fallen victim to this identity theft incident. Unauthorized transactions have occurred, compromising the integrity of my account and causing considerable financial turmoil. The emotional toll of constantly monitoring my account for suspicious activity and the fear of further unauthorized access have taken a significant toll on my overall well-being.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Experian Dispute Information Center To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA, XXXX There should only be one address listed on my report, which XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX also noticed that my name appears to be misspelled on my credit report XXXX My name only has XXXX correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are more incorrect on you report, please remove from my credit report Please remove inaccurate employers as well as listed below:1. Restaurant XXXX XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint regarding all open inquires below mentioned. Your response is below. please provide a description of the investigation you completed that made these accounts factual. 


XXXX XXXX XXXX  INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDUREXXXX XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXX   : XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXX XXXX XXXX  XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXX XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXX XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. NON REPORTING DISPUTES XXXX XXXX XXXX XXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The person on the other end of the line only verified the address of the debt with me on the phone and did not verify that they were speaking to the person that they needed and proceeded to give out personal information-about it being a loan for school.
Product: Checking or savings account

On XX/XX/2019 Bank of America allowed a person to present themselves to a branch teller and cash a check, made out to me, in the amount of XXXX. The bank claims that my debit card and PIN were used and considered by the bank as valid forms of ID. The bank claims that it is not their duty to ensure the legitimacy of the signature or the check itself simply because this person had my PIN. The banks position is that because I am the victim of identity theft that I am liable for their lack of security protocols. They claim that being a victim of theft makes me negligent! 

I discovered fraud on my account the night of XX/XX/19 and made a claim with the bank on the fraud on XX/XX/19 ; Claim # XXXX. I subsequently discovered, through my own investigation, that the check that was cashed was flagged as part of an ongoing fraud case with the City of XXXX XXXX, who allegedly, issued the fake check. That case number was released to me and I gave it to the bank to investigate further. I then met with XXXX XXXX at the his branch and he convinced me to continue to do business with the bank and that he would ensure my claim was properly handled. He got a credit issued to me and opened a new account with the bank, claiming it was the only way I could get my money back quickly. I complied and opened another account. 

The investigator never called me at any point to verify that I did not cash or authorize the cashing of a fake check. The check itself was not signed or endorsed by me and no one else is authorized to use my account to withdraw funds. The bank is now refusing to give me details of the investigation without law enforcement yet, when I contacted their legal department a woman named XXXX literally hung up on me. 

The bank has now denied the claim and stolen half my checking account and my entire savings claiming that the PIN is their defense to giving my money away to a stranger. This transaction was an error on the bank 's part and violated reasonableness standards in business practices. They have since refused to return the funds claiming all I can do is wait while they fake another " investigation ''. They also have video they are refusing to allow me to watch!! They have asked for further investigation after multiple complaints and are now processing another claim # XXXX and I provided an additional police report case # XXXX with XXXX XXXX police. Please help me get my money back from this bank!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported a 30day late payment which was incorrect. 
I disputed this incorrect info with all 3 bureaus and during dispute process with XXXX XXXX XXXX then corrected the info by sending response that the XXXX/2022 payment was not late so 30 days late status was deleted. I then contacted XXXX financial again due to it was corrected on XXXX but not on Transunion XXXX XXXX. 
They proceeded with another investigation and still did not change the Transunion & XXXX status but proceeded to go back to my XXXX report & reported another XXXX late status for the same date of XXXX/2022 that they had previously investigated & corrected!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information. I have been disputing it and it is still not fixed. The timeshare deed was transferred and sold, it is not ours anymore it was paid! 
The bureaus are not getting valid verification and XXXX XXXX is NOT valid verification! 
This is erroneous and affecting my financing. 
The next correspondence is going to be from my attorney.