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

XX/XX/XXXX and XXXX of 2024 I opened disputes through XXXX XXXXXXXX XXXX XXXX ( CURRENT ) that held my money on a total of XXXX different transactions with a merchant ( XXXX XXXX XXXX XXXX ). 

This financial company in its self standing duties and obligations acts as a gateway to my deposit account. It is supposed to reflect and collect all my financial information and keep me up-to-date on what's going on with my account and I go to it with my daily financial information and i give CURRENT my currency to put into my account and in return they provide me with a debt card that provides correct informed to my deposit account. 

**REASON FOR MY COMPLAINT WITH CURRENT** XXXX XXXX XXXX XXXX is not representing me in good faith or attempting to fix any situation arising out of the card they gave me. CURRENT is acting on behalf of the merchant instead of me in any dispute I have opened. Nonetheless, CURRENT negligently represents me in any case I have opened. They won't provide Clarification or communication with the actions taken on my debit card which holds full access and authority to my deposit account during disputes or any time. Leaving me clueless to what they take and what actions they are making on my deposit account. This is very concerning and I've asked for information several times with only vague responses or none at all.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$440.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$980.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Checking or savings account

Background : I moved all my money out of this account after they slashed interest rates with no notice. Then, they suspended my account and made me prove my identity just to get my tax documents. Then, I was unable to access tax documents. 

Problem : I tried to login using their instructions ( they use a 3rd party website for tax stuff ) and it didn't work. I tried to reset my password there, no dice. I tried emailing them but they're incompetent and weren't able to help me. Finally, they gave me a phone number to call. I called and still, they can't help me. Maybe because they outsourced their customer service just like their tax document preparation.

1 ) I tried to follow the instructions on the email. It said go on XXXX and login with " site ID '' of XXXX, then your username is your account number, and the password is the last 4 digits of your social. DIDN'T WORK. 

2 ) I hit " forgot password '' on the website. They said they're gon na send me an email with instructions on how to recover account. I got no email.

3 ) Called customer service. They're incompetent and have no idea what a 1099-INT is much less how to access it.

I JUST WANT MY 1099-INT MAN. MAIL IT TO ME OR GIVE ME ACCESS TO IT.
Product: Checking or savings account

Ive had this account for several years now and just recently Ive been having issues with my account and this company randomly I been getting error messages saying that a identity verification or issue and to contact support I was told by support the issue should be fix and it still has not also a fraud charge my put on my account for {$92.00} which I dont understand how or why they would let it go through because I did not have that amount in my card and a deposit was made which I do not have access to because my account is overdrawn because of this fraud charge I did the whole process of submitting a claim for the charge and I was told by the representative that I would be receiving a provisional credit to my account in 15 to 30 minutes Ive still have major receive my money back into my account this all needs to be fixed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I and my spouse discovered the theft of over {$120000.00} dollars by XXXX XXXX XXXX XXXX XXXX XXXX as I attempted to enroll into their XXXX campus ( XX/XX/XXXX ). 
Somehow XXXX XXXX XXXX allowed XXXX XXXX to open a fraudulent account in XXXX XXXX as 1of my attachments indicate.

We contacted the school and corporate only to get the " runaround ''. These criminals pursued us into our professions having my spouse XXXX harassed and bullied as they took my XXXX license XXXX XXXX after a kidnapping by the XXXX police Dept. I filed complaints with numerous organizations that somehow chose the side of these criminals over me and my family whom are blatant victims. These criminals opened XXXX dollar accounts on myself and spouse into their XXXX XXXX campus. They are using my spouse maiden name XXXX XXXX XXXX to secure fraudulent accounts.They are presently cyber and physically stalking is. I haven't worked in the XXXX  industry since XXXX XXXX for XXXX XXXX where I was wrongfully terminated and {$1800.00} in commission monies seized. Have set up a fraudulent child support " case '' to block me from using my hard earned XXXX  license ( XXXX ) here in XXXX as they allow unlicensed criminals to literally burn the hair out of clients head due to illiteracy of the " stylist ''. XXXX # XXXX XXXX XXXX XXXX v XXXX XXXX XXXX was suppose to have been long settled by now!!! In seizing control over my and spouse social security numbers they have seized our very lives!!! A XXXX XXXX forwarded the arbitration demand monies I demanded to an old address in XXXX XXXX  knowing our exact whereabouts were in XXXX XXXX. These criminals won't let up!!! Attacked my spouse from behind XX/XX/XXXX shortly after her being delayed by a XXXX XXXX of XXXX XXXX XXXX XXXX XXXX Mall. They tried to kill her!!! Her shoulder needs XXXX but they have rendered us homeless with their aggravated identity theft schemes!!! I last worked a couple months ago for the XXXX  XXXX XXXX of XXXX XXXX as a XXXX  for 4 months. On XXXX XXXX I and my wife went to the XXXX board there in XXXX to inquire about my hard earned XXXX  license. I saw it on the computer. Unfortunately XXXX XXXX XXXX has sold it to some unqualified person ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX? ).
Product: Checking or savings account

I am filing a complaint with the CFPB regarding CapitalOne 's failure to deposit my direct deposit from my employer. CapitalOne has cited technical difficulties with no further information or ETA for my direct deposit, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds.

This situation raises concerns about consumer protection laws, and I request assistance in investigating this matter to ensure my rights are upheld. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I was asked by credit karma if I made a hard inquiry. And no I didn't. But my scores dropped and I can't find out who did.
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 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 or other personal consumer reports

To whom it XXXX concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX whose is reporting a collection amount of {$1400.00} balance. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of XXXX XXXX, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, Experian, and XXXX respectfully. Thank you in advance for your attention to this matter.
Product: Debt collection

Received a letter from  Convergent Outsourcing Inc co ncerning a  XXXX   XXXX   XXXX  bill of {$420.00}. They offered a 50 % reduced payment to take care of this bill. I have lived in   XXXX    since 2006 and t ook care of all utilities when I moved away. I never heard anything from the company until today.
Product: Debt collection

XX/XX/XXXX is the original collection date. It is XX/XX/XXXX. The item should no longer be on my reports. I received a letter from XXXX that was issuing a refund due to file review. XXXX was the original creditor. This debt should be discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ADDRESSES THAT NEED TO BE CORRECTED SEE LETTER ATTACHED FOR THE DETAILS
Product: Checking or savings account

On XX/XX/2019 I had XXXX available in my checking account I paid a bill in the amount of XXXX that was debited immediately from my account leaving me an available balance of XXXX I received a text message after I paid the bill. later that night I had an emergency so I debit {$300.00} from my account and was notified I will receive {$35.00} overdraft fee for the transaction leaving my account negative XXXX. on XX/XX/2019 I receive notification my account is negative XXXX which is the amount including the overdraft fee. Then on XX/XX/2019 I receive notification that my account is overdrawn XXXX because my payment of XXXX that was debited immediately on XX/XX/2019 and the overdraft fee. This is not the 1st 2nd or 3rd time I have been charged for transactions that had been completed already.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

XXXX. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Debt collection

Company failed to send me proper method of verification and debt validation.

Company proceeded to send letters with a bill owed.

company did not send requested contact between us or anything I asked.
Product: Credit card

My XXXX XXXX XXXX card used to be owened by XXXX XXXX XXXX. I purchased a couch from them using the credit card on XX/XX/XXXX. The item was deliverd on XX/XX/XXXX. When I made the purchase it was placed on a 12 month special deferred interest offer. I made multiple payments and everything was processed correctly. Then in XXXX XXXX XXXX my credit card was sold to XXXX XXXX since they purchased the account and took over billing my deferred int plan has not be on the account. I have been billed monthly interest at this time. When I call in and speak to supervisors they let me know this is due to a bug in the system from the previous bank and they will work on fixing it. It has been 3 months now and they still have not corrected this error. When I call in they still confirm that is an error on there part and they are still working on corrections. The promotion is set to expire in XXXX of XXXX according to them, but it is difficult to know the balance on the promotion due to the lack of correcting reporting in the balances. A supervisor for Concora Credit let me know my balances last month but it took over an hour to get someone on the phone who understood the issue and was able to give me the correct balances. I am asking for help getting my balances corrected and correctly showing the deferred interest promotion on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX XXXX Opened XXXX {$4300.00} 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: Checking or savings account

On XX/XX/2023 at XXXX EST, I received an email that a Bank of America account was opened in my name. Ive never a customer of Bank of America. The account was called an XXXX XXXX XXXX. The email address that sent the account information was a genuine Bank of America email address. The account has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit 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
Product: Credit reporting

I had completed return and renew my vehicle in 2013 with XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to XXXX forget to return the XXXX vehicle electronic key to XXXX, so XXXX XXXX XXXX bill me the penalty {$470.00} start from XX/XX/2013! and then I had complain with XXXX and also contact with XXXX financial services so many times for remove the record, but no any action, and then they still transfer the bill to Debt collection company -- --! so please help me to dispute my inaccurate information on my credit report! Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that they dont have any fear of neglecting this kind of complaint. Pursuant to offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. I have sent tons of dispute letters and complaints alongside my FTC report but you there at Transunion are so firm with what youre doing, and thats disregarding my complaint. I reached out to the companies and talked to them about this situation and they agreed to remove the accounts from my file. BUT you there at TransUnion have some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When asked why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. Is it that hard to understand where Im coming from? Common! This is not rocket science! Please comply with the law and DELETE the following accounts right away. 


XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I discovered that I had become a victim of identity theft. After being denied for a credit card, I checked my credit report and saw several ( 22 in total ) student loans that had been taken out in my name totaling $ XXXX. All of these loans are open and have not been paid on for years resulting in them continually gaining interest. I sent in a letter notifying all 3 credit bureaus that my identity had been used fraudulently, along with a FTC affidavit and a police report but they refused to block the account stating that it was " validated ''. When asked why they refused to block the accounts when I'm showing adequate proof that the accounts were not mine, and provided them with the proper documents needed to have the accounts removed they declined to answer. 

I followed up by requesting that the creditor provide me with details on what method they used to " validate '' the account, all while forbidding them from using E-Oscar to do so but they disregarded my request and sent another letter stating that all 22 accounts were validated. I specifically requested that they provide me with physical proof of a contract with my signature showing that the debt is mine but again, they ignored my request and continue to state that the debt was " validated '' with no physical proof nor explaining which method they used to do so. 

Recently, I sent in a letter of Notice to Furnishers of Information to the creditor to let them know that per the FCRA, they MUST report accurate information only and once again, they ignored my claim and continued to state that all accounts were " validated ''. Time and time again they have continued to violate the FCRA guidelines.
Product: Checking or savings account

The bank said it had a soft ware issue. 
So my money has been frozen for two days and no answer yet.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as a formal, legally-binding demand for verification and validation regarding the reporting of accounts and inquiries that appear on my credit file with Experian, XXXX, and XXXX. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and relevant federal regulations to demand a complete validation of these entries, as 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not apply for nor authorize any of the accounts or inquiries listed above. Therefore, I am disputing any legal or financial liability associated with them. Please be advised that the following federal statutes govern my request for verification and substantiate the legal requirement for your timely response : FCRA 15 U.S.C. 1666b FCRA 15 U.S.C. 1601 FCRA 15 U.S.C. 1681b FCRA 15 U.S.C. 1692c FCRA 15 U.S.C. 1602p 15 U.S.C. 1681s-2, 1681 ( 4 ), and 1681 ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

This item with XXXX was paid off for deletion and it is still showing on my credit report. This item should have been deleted. 

This is in violation of the following : 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

In accordance with the guidance provided by the Consumer Financial Protection Bureau ( CFPB ), I am submitting the required documentation along with a letter from an advocacy group assisting me due to my status as a victim of XXXX XXXX involving debt bondage. This situation qualifies as XXXX under the XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized hard inquiry on my XXXX  credit report by CBNA Citi Cards. I filed a dispute with XXXX  and they contacted CBNA and CBNA Citi Cards reported to them it was an authorized inquiry when it was not. I contacted XXXX  again and they said CBNA Citi Cards has reported to them that I applied for credit with them when I have not. XXXX  said I have to contact CBNA Citi Cards to have them submit a deletion request. CBNA Citi Cards is telling me to resolve it with XXXX. No one is willing to fix this for me. There is no contact information for CBNA Citi Cards to dispute and resolve this issue. All customer service numbers are for active accounts which I do not have so they are not able to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and myself have sent the credit bureaus a letter on XX/XX/2018 stating that this should not have been reported as a Charge Off but as a closed fully paid account, XXXX XXXX has followed up with me that they did send a copy of said letter to the credit bureaus. I however have not been able to get this removed from my credit report. I had stellar credit with 100 % on time payments, a substantial credit line available, and no derogatory remarks on my report. This error, has brought my credit from an A status to a current C status. I need this Charge OFF removed from my credit report since the credit bureaus are not acting accordingly with The Fair Credit Reporting Act, which entitles me to a reasonable investigation whenever a consumer disputes information on their credit report. XXXX XXXX asked the credit bureaus to remove the previously reported charge off status by them and report that my account was paid in full. I have not been successful in getting this removed from my credit report.