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

The following accounts has been fraudulently placed upon my credit file the following accounts are not me and I'm demanding that these unauthorized accounts be removed from my credit file. 

1 ) XXXX XXXX$100.00} 2 ) XXXX {$100.00} 3 ) XXXX XXXX XXXX  {$470.00} 4 ( XXXX XXXX XXXX {$83.00} 5 ) XXXX {$31.00} 6 ) XXXX {$2100.00} 7 ) XXXX {$2000.00} 8 ) XXXX {$760.00}
Product: Mortgage

I lost my job at the end of XXXX and fell behind on my mortgage in XXXX. I applied with the XXXX Home Saver program ( Hardest Hit Fund ), Bank of America did not offer this to me nor any other solutions to the issue I was facing. After completing my application with XXXX XXXX XXXX. I waited for BOA to approve the program. However, Bank of America did not, they had an error that was made on loan documents that were signed in XXXX and told me they would not give the approval to enter the Home Saver program until I signed a new Modification of Deed of Trust, they mailed the MOD to me and it was back dated before the date I signed the original modification. They offered me {$500.00} to sign the document and said they would not stop the foreclosure process or even review my file for Hardest hit or any program until I signed it. So I signed it and returned, I do not feel comfortable with the practice of mailing me a deed that is dated from XXXX with the dates changed and another section added to the deed. I feel they should have done a Correction deed and not backdated one. Also they went ahead an proceeded with the foreclosure process and had already started advertising my home and the sale date. As of last night XXXX XXXX XXXX had called BOA and they said they would stop the sale which is supposed to occur today at XXXX, until they review my file for a foreclosure prevention option. There is some funny business going on with my loan, they also have billing statements going back 2 years where they placed payments in a suspense account and did not apply to the loan for months in some cases. Please do a full review of my loan file.
Product: Checking or savings account

There is a pending charge or hold on my account from XXXX. I requested to cancel the pending transaction. XXXX 's automated system changed the date before purchase. I did not authorize the purchase for that date. 

PayPal does not make a cancellation or dispute option available for pending charges. The transaction is pending, meaning it is incomplete and has not been approved. PayPal has a duty to protect the principle from unauthorized and erroneous charges. This is a chronic issue and requires significant time and effort to correct. 

I also had problems transferring funds to a brick and mortar bank. I attempted to transfer {$25000.00} which was denied. I tried $ XXXX, which was denied, and $ XXXX which was also denied. I spoke with a representative that informed me I could transfer in increments of $ XXXX and was permitted XXXX per day. I completed one transfer while on the phone with the rep. The second was delayed pending review. I called back and asked for it to be reviewed and confirmed. I was informed that the system is automated and there is no live person with authority or access. The payment was delayed and I was not able to make the {$6200.00} scheduled payment on time or unfortunately, at all in this case. 

Paypal has also denied transactions and required verification for purchase that are trending in account history, amount, and location without contacting me personally prior to or after declining the transaction. No PayPal purchase has ever been personally verified for the life of the account. Merchants have complained about not recieving commission due to the declined purchase or being charged for the declined transaction. 

The AI program that is running PayPal is not functional or compliant with the rule of law. Attempting to streamline processes prematurely with AI will cost the company XXXX over what it would save in lawsuits, penalty, and lost consumer base. It is not ready for public use. There's been no disclosure of testing or research associated with my account. I have not been compensated for my energy and the inequity is significant. I am tired of being a guinny pig. Doing so is solely at my expense with no opportunity to contribute to improvement.
Product: Credit card

I had a balance transfer previously and the date for the promotional APR ending was approaching so I called Bank of America on XX/XX/year> to confirm when is the last date of the promotional APR ending so I could pay off the balance. The representative said it would be XX/XX/year>. I usually ask the bank to ensure that my dates are correct and pay off on time. However, when I went to pay off the debt on XX/XX/year>, I noted an interest charge of {$140.00} on XX/XX/year> and {$140.00} on XX/XX/year>. So I called Bank of America representative again to clarify the charges. He said the last day to pay off was XX/XX/year>. I told him that he could look up the previous phone records where I talked to one of the representatives and they gave me a date of XX/XX/year> for pay. The representative replied brashly that it was his mistake and we apologize for that but I will have to pay the interest. Anyway, I paid off the whole amount and called back again a few days later and requested that interest charges be waived off as I was led by one of your representatives who told me that the last day of payment is XX/XX/year>. They refused to waive the interest charges. In XX/XX/year>, they added interest charge on XX/XX/year> of {$2.00} and {$0.00}, in addition to a late fee of {$29.00} on XX/XX/year>. Even though the last rep said they will waive off late fee charge.
Product: Credit card or prepaid card

I purchased a sofa with my XXXX credit card the sofa costs me over {$1200.00}, I noticed issues with the sofa the moment I put it together. I noticed the quality was bad and how hard and uncomfortable the sofa was. I contacted XXXX and the gave me a {$300.00} adjustment. As time went on, I continued to have more issues witht he sofa. The back pillows are deformed and deflated, the stitching on the sofa is terrible and the sofa is coming part at stitching. XXXX won't offer a resolution to these issues, I will not pay for a sofa that is not even 5 months old and its already falling apart.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Relations, The reason for me filing this complaint with your agency is due to TransUnion not concluding their reinvestigation within 30 days require under the FCRA. The 30 Day investigation has passed.
Product: Credit card or prepaid card

I have a fraud alert on my credit reporting and I was alerted that a hard inquiry was placed because someone tried to obtain a credit card at Bank of America in Texas and I dont live in Texas XXXX I called the bank and they were not able to help me because the office that deals with fraud is not opened right now. I have an appointment to speak with someone in person.
Product: Checking or savings account

My accounts were fraudulently taken over after the discover website and app would crash. Someone or some people took over my account and deposited fraudulent checks and other funds without my authorization. Discover made false statements via phone which I recorded stating I had used money from the fraud which I didn't, which lead to my account being closed. Discover never contacted me about the fraud and decided to close my accounts after they were opened for over a year for checks I never deposited leaving me broke and homeless. My accounts are due to be closed without explanation or recourse after the fraud.
Product: Vehicle loan or lease

Security National was included in my bankruptcy in XX/XX/XXXX yet it is showing up on my credit report for charge off in XX/XX/XXXX and XX/XX/XXXX. I am trying to purchase a home and need to get this fixed.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because I am scheduled to update my credit reports within the next 15 days. I am keen to ensure that the following inquiries have been expunged from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **********TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is imperative to reiterate, in accordance with FCRA Section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report. For your reference, I am re-attaching my FTC report with the reference number # XXXX. Furthermore, the Fair Credit Reporting Act stipulates that Credit Reporting Agencies must remove any items in the consumer 's file identified by the consumer as information resulting from an alleged identity theft within four business days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

This is with reference to Case Number : XXXX filed against XXXX XXXX on Capital One Credit card. I did a free trial with XXXX XXXX and cancelled after the free trial ended, I cancelled on the day free trial ended which was XX/XX/2023. XXXX XXXX went on to charge my card on file after I had cancelled for {$69.00}. I tried contacting XXXX on the wrong charge through email and phone number but could never get through. Finally, I disputed the charge with my credit card company, and provided the cancellation email as proof that I cancelled on the day the free trial ended. To my disappointment but I was not surprised, my credit card company took sides with the merchant simple for their selfish merchant fee gain to the detriment of their customer, and refused to present my claim for a full refund of {$69.00} even when I presented the proof of cancellation via the email send by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

C.F.P.B please check compliant XXXX. I file a compliant about a inquiry from a company that is on my Experian credit report. The companies name is listed as XXXX XXXX XXXX XXXX. I have not requested credit from this company. I AM REQUESTING EXPERIAN TO PROVIDE DOCUMENTATION OF A REQUEST FOR CREDIT WITH THE COMPANY XXXX XXXX XXXX XXXX XXXX 

I contacted this company by the number listed on my credit report. The company said they do not have any information about me requesting credit from them. SCREENSHOOTS ATTACHED. 

In accordance with Federal Law of the Fair Credit Reporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit information. I would like a copy of the document with my signature which give my PERMISSION for XXXX XXXX XXXX XXXX XXXX to pull my credit. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. 
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the 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 proce 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: Debt collection

Received a debt collection letter from Credit Management alleging I owed a debt of {$150.00} to XXXX XXXX in XXXX Texas. I have never even been to XXXX Texas. I have been receiving calls looking for someone with a different name, when I tell them they have the wrong number they just hang up on me. 

There are many complaints online about this company creating fraudulent account between XXXX dollars and demanding payment. 

I have excellent credit and pay all of my bills. This company is committing crimes against citizens and should be put out of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I sent a fax and Mailed copy, of a request for my credit. For some reason, my credit, and my husbands credit, via Equifax, has been frozen sometime between XX/XX/XXXX and XX/XX/XXXX, without a request to do so. I know it was in these dates because We moved from XXXX to XXXX  in XX/XX/XXXX, where our Credit had to be pulled for a new home rental. Then, we bought a car in XX/XX/XXXX. After that, we were locked, and ONLY on Equifax. 
So, in XXXX, I requested my report for XXXX XXXX, and came with no score. Not helpful. XX/XX/XXXX I learned my Credit was still frozen. Upon calling YET AGAIN, they told me I didnt know the answers to where I worked correctly. WOW.  So I had to fax my ID and Social AGAIN> It said 3-5 days to be fixed. It is XX/XX/XXXX and still not fixed, so yet another Fax has been sent. We are trying to buy a car and a home, and Equifax has us stuck! THIS IS VERY UNFAIR! THEY SHOULD NOT BE ALLOWED SUCH FREEDOM, AND THEY SHOULD HIRE AMERICANS TO HANDLE OUR PERSONAL INFORMATION!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Checking or savings account

XX/XX/2019 - Was removed from electronic statement without any notification and charged {$3.00} for a paper statement. No notice was given. This must be some change due to the XXXX XXXX XXXX buying the bank, but customers are getting screwed by the bank. 

XX/XX/2019 Contacted company in writing to notify of unauthorized ( FRAUD ) charge on my business checking account. 

No one has responded and no credit was given within 10 days as required by law.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XX/XX/year> Jefferson Capital Systems Acct # XXXX Jefferson Capital Systems XXXX XXXX XXXX. 
XXXX XXXX, MN, XXXX Subject : Cease and Desist Demand and Formal Dispute of Information Dear Jefferson Capital Systems, I am writing to formally dispute certain information on my credit report that I believe is inaccurate, unverifiable, or reported without my consent. Furthermore, this letter serves as a Cease and Desist Demand requiring you to stop reporting, sharing, or disseminating this disputed information. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any information on my credit report and to ensure that all information being reported is accurate, fair, and verifiable. The following items are in dispute : XXXX XXXX  collection amount {$960.00} I also assert that I did not provide written authorization for the furnishing or dissemination of my credit information in relation to [ specific account or inquiry ]. Such activity violates 15 U.S.C. 1681b, which governs permissible purposes for obtaining and sharing consumer reports. 

Cease and Desist Demand : Effective immediately, you are to cease and desist any further reporting, sharing, or dissemination of this disputed information to third parties, including creditors, lenders, or any other entities. Continuing to report inaccurate or unauthorized information may result in further legal action, including complaints to regulatory agencies such as the Consumer Financial Protection Bureau ( CFPB ) or the Federal Trade Commission ( FTC ). 

To resolve this matter, I request the following actions : Conduct a full investigation into the disputed information and provide me with written verification of its accuracy and permissibility. 
If the information can not be verified, remove it from my credit report immediately. 
Cease all reporting and dissemination of the disputed information while the investigation is ongoing and after resolution. 
Provide me with a corrected and updated copy of my credit report. 
Enclosed are copies of documents that support my dispute and verify my identity. Please acknowledge receipt of this letter in writing and complete your investigation within the time limits prescribed by law ( typically 30 days ). 

Failure to comply with this request may result in legal action to protect my rights under the Fair Credit Reporting Act and other applicable laws. 

Thank you for your immediate attention to this matter. Please contact me directly at [ your phone number ] or [ your email address ] if further clarification is needed. 

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

XXXX XXXX XX/XX/XXXX XXXX XXXX After reviewing my credit reports I noticed I had 1 late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM ACCURACY. I have never been late on a payment. This account XXXX XXXX  account XXXX. PLEASE INVESTIGATE and provide proof with statements showing that these payments were late if proof can not be provided I demand these late payments be updated TO ON-TIME as they should be because I WAS NEVER LATE. This account is not accurate XXXX states I was late XXXX XXXX XX/XX/XXXX however Equifax STATES I was late XXXX XXXX XXXX XX/XX/XXXX. XXXX states I was late XXXX XXXX XX/XX/XXXX. This is a violation of the Fair Credit Reporting Act.

15.US Code 1681e- Compliance for Accurate reporting.

Please correct to paid never late or remove account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Dear Equifax I hope XXXX day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX  : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX | XX/XX/XXXX : Account number : N/A, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.