23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report I noticed an account that is reporting inaccurately. I have a 30 day late payment on an account that I know for a fact I was on time with. The consumer reporting agencies must report all information with complete accuracy according to the Fair Credit Reporting Act. This XXXXXXXX XXXX XXXX  account has never been late on a payment and is reporting late for the following date XX/XX/XXXX. I've attached a copy of my report to this complaint on the following date XX/XX/XXXX. I'm now requesting you fully investigate this account and update this payment to paid on time immediately. Thank you for your help and prompt action.
Product: Money transfer, virtual currency, or money service

I had XXXX on my cashapp they changed the banking routing number wiithout my consent and it doesnt let me change it to mine which is was before. Invalid card to cash out it says and no consumer customer support number and the email they never actually resolve the issue tell you stuff you already tried.. .. I had on my account and closed my account down. My name is XXXX XXXX on it. I tried sending the XXXX back to my cousin and it wouldnt let me refund it like usual. They cant steal peoples money like tht. I was using the app for almost 2 years no problems until about 3 or 4 months  ago
Product: Checking or savings account

Bank of America ( BOA ) Over Draft Fees I had a scheduled credit card payment to be debited from my BOA checking account on XX/XX/2019 to be submitted to my BOA credit card. ( My BOA credit card payment was due on XX/XX/XXXX ). The payment arrangement was made on Thursday XX/XX/2019, at approximately XXXX XXXX via the BOA mobile app and the funds was scheduled to be debited the following day, Friday XX/XX/2019. The credit card payment was debited from my account almost instantaneously and which caused my account to have a {$0.00} balance. There were other payments scheduled to be debited from my account, those payment were processed, one of the payment was for {$20.00}. As a result of BOA erroneously debiting the amount from my account, I was charged four overdraft fees of {$35.00} each totaling {$140.00}. 

I contacted BOA customer service line, after waiting on hold for over forty minutes I got a hold of a representative. She was rude, feisty and question me about why I couldn't afford the overdraft fees. The representative agreed to refund one of the {$35.00} fee. I requested to speak with a manager, the rep. agreed to transfer me to a manager, placed the call on hold for couple of minutes then hung up. 

I called BOA customer service a second time, the automated answering service provided the option for me to receive a return call which I opted for. The second representative I connected with was very professional and sympathetic to the situation when I informed her that the {$140.00} fee is equivalent for two full days work for me and the money was to be allocated to my electricity bill. The representative stated that due to BOA policy the fees will not be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was pulled by a company called Rate Genius and a loan was attempted through a bank called XXXX XXXX XXXX. This was done on XX/XX/2022, by someone not authorized by me to do this. I have received another text today from someone named XXXX XXXX, claiming to be my loan officer. I texted back to never text me again and to never pull my credit ever. I then blocked the number and deleted my profile from XXXX XXXX. The text mentioned that XXXX XXXX was where the loan request originated. I have no knowledge of any of how any of these companies received a request.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on 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 XXXX XXXX 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 or other personal consumer reports

I have absolute frustration and anger at the way you've handled my complaint. I submitted a formal complaint to the CFPB on XX/XX/year> ( Complaint No. XXXX ), making it XXXX  clear that certain accounts could be fraudulent and/or instances of identity theft. Even more importantly, I detailed how these accounts are inaccurately reporting and failing to meet certain FCRA criteria. 

Instead of doing your job and conducting a thorough investigation as I reasonably requested, you sent me a XXXX response on XX/XX/year>. Lets be real here the claim that " my CFPB complaint regarding reinvestigation does not appear to have been sent directly by me or authorized by me '' is a load of complete nonsense. I personally filed XXXX XXXXXXXX complaint, and this XXXX " precautionary measure '' is nothing more than a stall tactic to delay addressing my concerns. 

Furthermore, your request for additional documentation including a copy of my ID, Social Security number, and proof of address is even more insulting. I ALREADY provided ALL of that as attachments in my initial complaint on XX/XX/year>. So, what exactly are you stalling for? Is this just a way to dodge responsibility? 

Go back and read the WHOLE Complaint No. XXXX and XXXX the attachments that were provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX 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 writing to formally express my concerns Regarding Zelles handling of disputes, particularly in light of the recent CFPB Lawsuit highlighting significant issues with the platform. Despite using Zelle, numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that tracking lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a car loan on my credit for a car that I do not have I have tried to remove this, the information is in accurate this needs to be removed
Product: Debt collection

( Enhanced Recovery Company ) at ( XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX ) has been sending me collection notices in the amount of ( {$130.00} ) the collection opened XX/XX/2021 has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Vehicle loan or lease

Wells Fargo Customer Care-Remediation Account ending in XXXX Wells Fargo Customer Care has grossly under compensated me for inconvenience during this repossession ordeal. Although their attempts to compensate at less than {$330.00} is partially accepted it does not fully account for the inconvenience during this ordeal. Account fees/charges were added in large error to this account. 

I look forward to amicably reaching an acceptable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank Of America is reporting a negative balance of {$1100.00} debt on my credit reports which doesn't belong to me, first reported on XX/XX/2018, I've never opened an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft where someone hacked into my network and stole my personal information and opened up some account in my name, which are fraudulent. I have filed a police report and have disputed the information with Experian, XXXX, and XXXX, but they have not removed the fraudulent account from the credit report as of yet. Please remove immediately because it is affecting my credit rating. Thanks a lot. The accounts which are fraudulent includes : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018, and XXXX XXXX- Date Opened : XX/XX/XXXX.
Product: Vehicle loan or lease

The car is a XXXX XXXX XXXX XXXX Bought on XX/XX/XXXX of XXXX purchased for XXXX they charged me XXXX percent interest and I didn't realize what the payment structure will be now I'm paying barely anything toward the principal and everything is going to interest I will be paying XXXX in interest plus the XXXX in principal at the end of this I can't refinance the car because of our debt to income and it is almost causing us homelessness please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account and have reached out to the XXXXompany/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit card or prepaid card

I called Bank of America ( XXXX ) the evening of Wednesday XX/XX/XXXX XXXX EST to dispute the overcharging of interest on 2 personal credit cards that I have with them due to their use of double cycle billing that is deemed illegal as per the Credit Card Act of XX/XX/XXXX. At the time of billing, I unknowingly paid this interest as legitimate, but my accountant recently informed me that this is an illegal practice as per the Credit Card Act of XX/XX/XXXX. The overcharging of interest occurred on 2 separate occasions on 2 different cards in which the balance was paid off in full in the previous billing cycles. The 2 amounts of over-charged interest are for {$100.00} ending on billing cycle XX/XX/XXXX for one card, and for the other card, {$23.00} ending on billing cycle XX/XX/XXXX. 
I initially spoke with a representative who was clearly unaware of what double cycle billing is and my consumer rights as per the Credit Card Act of XX/XX/XXXX. I asked to be transferred to a Manager ; I was transferred to a Team Supervisor named XXXX ( Badge # XXXX ) and she refused to acknowledge that Credit Card Act applied to my situation and refused to refund the charged interest. She even intentionally mispronounced my surname as " XXXX '' twice even when I corrected her the first time ( My surname is XXXX ). I interpreted this XXXX overt racism and smugness on her part. I requested to escalate this matter to her Supervisor which in their management nomenclature would be " Manager. '' I will be awaiting a phone call the next day.
Product: Credit reporting or other personal consumer reports

XXXX XXXX home loans reported to credit bureau that my mortgage was XXXX days late in XX/XX/2023. My mortgage payment was XXXX days late and should not have been reported. Attempted to file a dispute but was not resolved
Product: Mortgage

I attempted to log into my online mortgage account using my username and password. I received the two-factor text code and entered the number in the form as requested. I then was asked to call another number for a second authentication code. I called the number and when following the prompts I was disconnected. I called the number again and was disconnected again. I called the number again and this time just pressed XXXX to get a human. The person asked me questions that did not match with my history and said they were unable to confirm my identity, they did not ask for my mortgage account number so I suspect they had brought up someone else 's account. 

Today XXXX, I tried again and had the same results so I escalated by going in-person to a branch. The Chase Representative called the same number that I called and was also disconnected. Through escalating to other departments I was able to get a code but was told that I must not clear cookies or use any other device to access account. I explained that I don't want to only access account on a phone app but also on a laptop or desktop at home. I signed out and signed back in and was asked to call the dead-end phone number again so the issue is not resolved. 

The only available method for me to sign in to my mortgage account at this time is to go in person to the bank, explain the situation again to a new person, verify my identity, have them call their internal support teams, explain the situation, and get a code for me to sign in once on a single device.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights. 

Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX  ) Account # XXXX ( XXXX XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX / LATE PAYMENTS ONLY ) 15 U.S.C. 1681 Section 602 A Section 1 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Experian violated fair credit reporting act and fair debt collection practices act as depicted in screenshots
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint on behalf of myself and there is NO THIRD PARTY before yall start that XXXX excuse to not review my complaint. The purpose of this complaint isn't to get these accounts verified or validate. 

The purpose of this complaint is to ensure these account be permanently removed from my credit report and for the credit agencies to stop lying, falsely and misleading me about who is furnishing this information that is inaccurate reporting on my consumer report. The Bankrupcty Case Number : XXXX and XXXX list Bankrupcty court as the furnisher and I contacted them and they DO NOT REPORT TO THIRD PARTIES OR ANY CREDIT REPORTING AGENCY. So I would like to know where did you get this incorrect information from because XXXX XXXX is not reportiing this incorrect information. So where is the accuracy and fairness of reporting because it sounds like someone is lying and its not the Courthouse. Not only is this false and misleading but its very inaccurate reporting and has caused me XXXX XXXX  for no XXXX reason and ruined my chances for several home buying opportunities that has caused me financial burden becuase you you choose to ignore right from wrong. You expect me to abide by the law but these credit agencies always ignore the law and do what the XXXX they choose to do well this needs to Stops TODAY. I demand these accounts be DELETED or I will seek legal action
Product: Debt collection

The issue I have with the judgement from XXXX Apartment complex in XXXX VA, is that my brother and I were wrongfullly evicted back XX/XX/XXXX. We had 3 days to find a new place, due to the wrongfull eviction. My brother and I was never notified or served with court documents. In XX/XX/XXXX, my bank account was frozen due to a Lien from this company. I call the number and talk with a collection rep, that advised me of this lien. I was then told I had to fax over a statement about this debt and also sign a release form so they could set up a payment plan. The representative informed that the funds would be available to me after I signed the release and payment plan. The company took my whole check of XXXX dollars, that put me in very bad financial crisis. After they assured me they would n't take the whole amount. Then I receive another judgement just recently that has put a lien on my banking account, stating that they won a judgement in XX/XX/XXXX against me. From my understanding of my rights, and looking at my credit report this item was charge off years ago. So what this company has done is Resubmitted an old debt that has either been paid or charged off. This has put my family in a bad financial crisis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to understand why credit reporting bureaus - Equifax, Transunion, Experian are allowed to charge me to place/remove hold on my credit? What law allowed them to initially collect credit information without my express consent?
Product: Credit reporting or other personal consumer reports

Credit karma is reporting a collection on XXXX for me that XXXX has removed, they will not remove and say its my duty to work with XXXX but XXXX is correct. Credit Karma will not help at all.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on XXXX  XXXX Account Dear CFPB, I am writing to dispute inaccurate late payments reported on my credit file for the XXXX XXXX account ( Account Number : XXXX ). These late payments, specifically a 30-day late payment for XX/XX/XXXX, a 60-day late payment for XX/XX/XXXX, and a 90-day late payment for XX/XX/XXXX, are incorrect and misrepresent my payment history. 
Nature of the Complaint : Inaccurate Reporting : These late payments are false and inconsistent with my payment records, as I have consistently made on-time payments through autopay. 
Violation of FCRA ( 15 USC 1681i and 1681s-2 ) : Reporting and failing to correct inaccurate information violates the Fair Credit Reporting Act.

Violation of FDCPA ( 15 USC 1692e ) : Reporting incorrect payment history may constitute a deceptive or misleading practice.

Violation of TILA ( 15 USC 1601 ) : The Truth in Lending Act requires the accurate reporting of credit and payment terms.

Civil Liability Under FCRA ( 15 USC 1681n and 1681o ) : Noncompliance with these requirements subjects the responsible parties to legal penalties.

Summary of Discrepancies Equifax Reported 30-day late payment for XX/XX/XXXX, XXXX late payment for XX/XX/XXXX, and 90-day late payment for XX/XX/XXXX. 
Payments were consistently made on time, and no delinquencies occurred. 
Requested Resolution : I request the following : Conduct a thorough investigation and remove the erroneous late payment entries.

Update my credit file to reflect accurate and truthful information. 
Provide written confirmation of the corrections within 30 days, as required by the FCRA. 
Enclosed are supporting documents, including payment records, to validate my claim. I expect your prompt attention to resolve this matter. 
Thank you for your immediate cooperation. 
Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was given a title loan of XXXX on a cash car that is valued at XXXX. The intrest rate, which was not discussed with me at the time I signed the loan is 400 % which makes the loan amount I must payback 3 times as much as the car. This is a subprime loan and they are trying to steal my car by proxy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, This is to discuss a fraudulent account opened with XXXX XXXX, a division of XXXX. 

I was alerted through my credit monitoring that there was an decrease in my credit score on XX/XX/2023. 

In investigating, it was due to an account I have no knowledge of through the company " XXXX XXXX '' ( XXXX ) where an account was opened at a dental office in XXXX FL ( I live in XXXX, GA ). They had allowed someone to use my social security number with a different name, different phone number, and a different address to open an account and max out the card in two trips to a dental office in a state I have not lived in nor traveled to. 

While I did contact XXXX XXXX and they issued a fraud investigation- they were rude and not helpful in understanding the process or next steps. I'm in the process of buying a house and they would give no path to resolution time frame or follow-up.