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

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. 

I will also file with the CFPB and FTC! This is unacceptable! 


Please remove these fraudulent account asap!
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 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 reporting, credit repair services, or other personal consumer reports

There is incorrect information listed on my credit report
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX RE : You Violated The United States Code Law 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 : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. Please remove it from my credit report. 
XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX. Please correct/update this inaccurate information on my credit report. 
XXXX XXXX XXXX Account Number : XXXX  To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX. Please correct/update this inaccurate information on my credit report. 
XXXX XXXX XXXX Account Number : XXXX  To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Chase needs to fulfill its promise of paying {$800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I enrolled in AutoPay at XXXX XXXX XXXX  to ensure that my payments would be paid on time. I received an AutoPay enrollment confirmation via email. On XX/XX/XXXX, I received an email from XXXX XXXX reminding me that my AutoPay payment will be paid soon. I received no other correspondence since then and assumed that my payments were being made without issue via AutoPay. Unfortunately, this turned out not to be the case. When I checked my credit report on XX/XX/XXXX, I discovered that my credit score had dropped XXXX points from the day before. I checked why this was and saw that it was due to a missed payment to my XXXX  XXXX credit card. I immediately logged in and paid off the entire card balance. I then searched my emails and text messages to see if I somehow missed notification regarding a missed payment, past due balance, or AutoPay failure, but was able to confirm that I had received no such correspondences from XXXX  XXXX. 

I called XXXX XXXX on XX/XX/XXXX and requested that they remove the late reporting due to never receiving notice of their system 's AutoPay failure, past due balance, or missed payment. They denied the request 2 days later. I called again on XX/XX/XXXX and requested the same, but this time of a manager. The same outcome prevailed. 

I am infuriated because had I known that the AutoPay failed back in XXXX, I would have immediately saw to it to correct this. In addition to this, XXXX XXXX has regularly sent me communications in the past regarding my account, but for some reason, seemingly intentionally failed to do so as soon I signed up for AutoPay. I also was not informed that one failed AutoPay would result in the immediate cancellation of AutoPay indefinitely. I can not help but feel as though this is a predatory business practice to charge excessive late fees on unsuspecting customers. The whole reason I signed up for AutoPay was to avoid past due payments! And as soon as I signed up for AutoPay, I was no longer notified of any past due payments or any errors/issues regarding my account despite having received them before on a regular basis.

I am incredibly adversely affected by this because I am need to get into an apartment before the end of next month and will be substantially limited in my options now that my credit score is significantly below XXXX. I am facing homelessness due to a massive increase in my lease 's rent to where I have no choice but to move out. XXXX XXXX knows that they are wrong because they waived the late fee as well as added a {$30.00} credit to my account without me ever asking for that. I do not need or want the late fee removed or an additional credit. I need my credit score recovered so that I can not have my livelihood negatively impacted by this situation. I have had perfect payment history on my credit report for over three years after working diligently to rebuild my credit from when my husband and I experienced job loss and was financially impacted from XXXX XXXX back in XXXX.
Product: Bank account or service

I am currently a customer with Bank of America and recently was accessed overdraft fees on transactions that when posted to my account had a positive balance. After review of my account it was observed that Bank of America charged me an overdraft fee for a Check # XXXX and for a pending transaction to XXXX that has not processed to my account on XXXX XXXX, 2016. At the time of both transactions my bank account balance had sufficient funds to cover both transactions and this supported by the review of my online statement through online banking. When I spoke to the customer service provider on XXXX XXXX, 2016 at approximately XXXX I was told that the fees were being accessed because my available balance was negative in my checking account, but when I reviewed the account the transaction pending for XXXX was the only transaction that overdrew the account. In addition Bank of America charged me XXXX overdraft fees on transactions that posted to my account when the available balance was positive. 
I spoke with a supervisor who also confirmed the same thing and when I requested to speak with another supervisor or consumer relations they stated someone would have to call me back. I refused this and continued to request, but was denied several times. When I informed them that I was going to file a complaint with the CFPB I was then placed on hold in order for the Bank of America customer service representative to get me to the right person. The activity on the account has still not been clarified and no resolution has taken place at this time as they are still not able to provide me with a sufficient reason as to why the account overdraft fees were accessed. The call center for Bank of America is allowed to see more detailed account information, but I am limited online to what I can view which makes it difficult to argue my issued.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that Ive marked as inaccurate ; XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a fraudulent auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, with an account number ending in XXXX totaling at {$13000.00} ; a fraudulent credit card account opened at XXXX XXXX in XXXX, XXXX, with an account number ending in XXXX totaling at {$590.00} ; and fraudulent XXXX services obtained from XXXX XXXX XXXX XXXX in XXXX, XXXX, totaling {$700.00}. 

These fraudulent accounts have resulted in unauthorized hard inquiries and collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

You are also in violation of 15 U.S.C. 6802. Obligations with respect to disclosures of personal information.
Product: Checking or savings account

My debit card was used in a town a few hours away for thousands of dollars. The debit card was in my possession the whole time, so the bank wont reimburse me because they claim the card was physically used in the stores. I have physical proof that I was at work, also a signed and notarized document from my manager saying I never left work all weekend. I have proved to them the time frame of a few transactions are physically impossible for me to be at two places at once. They refuse to re open an investigation. Ive never been treated so poorly, they told me the only explanation for all this is it had to be me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a new CFPB against Equifax and XXXX  for reporting incorrectly the XXXX XXXX XXXXXXXX Credit Card - partial account number - XXXX on my credit report. ( Please see page 6 of the attached credit report. ) I did NOT open this account. I have attached a copy of the police report that I filed in regard to this account for fraudulent activity. I previously filed a CFPB onXX/XX/2019 to XXXX XXXX XXXX XXXX XXXX XXXXXXXX reporting that this account was opened fraudulently by my late husband. I immediately contacted XXXX XXXX XXXX to close this account but have not been able to resolve this issue directly with XXXX XXXX XXXX  This incorrect reporting is harming my credit score.
Product: Debt collection

AMERICAN CREDIT ACCEPTANCE has committed FDCPA violations, Aggravated Identity theft and TCPA violations against me, the consumer. 
AGGREVATED IDENTITY THEFT : ACA created an account using private non public information of the consumer without a legally binding contract between the consumer and ACA or proof of contract between ACA and the original creditor. That's also a violation of the Privacy Act of 1974. Per ACA 's response on a previous CFPB complaint ( complaint id # XXXX ) dated XX/XX/XXXX, it was stated that ACA alleged " The contract was transferred to ACA on XX/XX/XXXX. '' My XXXX XXXX credit file dated XX/XX/XXXX shows ACA checked my credit 5 times on two separate dates starting on XX/XX/XXXX under false and misleading permissible purpose for a credit application. I have never applied for credit or completed a credit application with ACA and would like to be provided a copy if they can produce it. 
TCPA and FDCPA VIOLATIONS : XX/XX/XXXX I sent a letter to ACA to cease and desist attempting to collect a debt until they validate. I have a returned receipt from XXXX that shows it was received by ACA on XX/XX/XXXX. Since then, I received 8 calls violating the TCPA and the FDCPA codes 15 USC 1692d ( 5 ), 15 USC 1692c ( a ) 1, 15 USC 1692c ( c ). A letter dated XX/XX/XXXX from ACA 's chief servicing officer XXXX XXXX, further violating my cease and desist ( 15 USC 1692c ( c ) ) by not providing validation in that letter, also violated 15 USC 1692d ( 2 ) alleging a debt was owed and need to paid, 15 USC 1692e ( 4 ) threatening to seize vehicle, and 15 USC 1692e ( 8 ) threatened to defame the consumer by reporting this fraud to the consumer reporting agencies. 
Validation was never received. ACA just sent the account back to the original creditor.
Product: Mortgage

I recently received a correction regarding my mortgage payments due to an error caused by SPS. However, I noticed that an additional charge of {$XXXX} in monthly statement was added to my principal under the description " XXXX XXXX. '' This charge was never authorized, and I believe it is unfair for me to bear any cost resulting from SPS 's own mistake. According to TILA ( Truth in Lending Act ) and RESPA ( Real Estate Settlement Procedures Act ), mortgage servicers are not allowed to impose unauthorized fees. 

I request the immediate removal of this {$XXXX} charge from my principal and a written confirmation of the correction. 

Please provide a written response regarding this matter.
Product: Credit card

Starting in XXXX, the automatic payment switched from minimum to full statement balance. Discover can not tell me how this happened. When I called in, they said to do a stop payment with my bank and then pay the minimum when credited. I requested that automatic payment be set to the minimum. They said they would fix it, but they did not as it occurred the next month. 

They then closed the account. Nobody reached out to explain the situation. 

For many months before XXXX, the automatic payment was set correctly to the minimum. They can not explain how this got switched.
Product: Credit reporting or other personal consumer reports

I have had Experian boost product for about XXXX years. Yet I have to remove my banking information causing my score to drop then add them back on which still keeps the score low. I am certain that the system is not ran but humans but an algorithm. I pay my utility bill weekly as its prepaid services yet it shows I only made XXXX payment on XXXX XXXX I have had for over 10 years. This account for over XXXX. The same with my rental company XXXX for over XXXX years shows only XXXX payment made yet my company reports my payments monthly. Last payment reported is incorrect as my rent was a {$1300.00}. And paid out of the linked accounts gets does not show. My last payment was {$2200.00} this month of XXXX. This is also the same for XXXX, XXXX and XXXX XXXX this account has been reported but not monthly. 

They advertise that they can help but my score fluctuates as o have to remove my banking and add it back in just to get an update.
Product: Debt collection

I quit XXXX a few months ago due to unprofessionalism on behalf on my scheduling manager. He not once mentioned anything about bringing back uniforms. And my guard card is paid off already from my checks already received during the months working for the company. However i am now being charged XXXX $ for uniform recovery and XXXX $ for guardcard. Which is not reflecting properly of what is actually happening. I have been attempting to contact them about returning uniforms and i need this situation fixed asap.
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 XX/XX/XXXX. 
XXXX. XXXX XXXX, XXXX opened XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX opened XX/XX/XXXX Per - 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Per - 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: Money transfer, virtual currency, or money service

On Monday XXXX I tried to transfer {$2500.00} from US bank to my other financial institution. The micro deposits were verified and I attempted the transfer. There was no indication that the transfer did not go through but it did not. Then I needed a second transfer and that time it required a mobile phone to do the transfer. I do not have a mobile phone and have had second verification by email and my home phone with a code. Also, I can not use my home phone to do the online banking because my husband has our only phone number on his account. I read in the articles that it is incorrect to prevent banking activities to someone because of no mobile phone especially a senior. I want to ensure that the transfer is not done because I have already mailed a check and the funds would not be there
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account.
Product: Credit reporting

This is an amendment to complaint # XXXX I did not list the inquiries to be blocked : I have inquiries on my credit that do not belong to me and I have disputed these multiple times with the credit bureaus ( XXXX , Experian, XXXX ). I submitted a police report, FTC report and letter XXXX times and they refuse to remove these in violation of section 605B. Under this section, all disputed account must be blocked within 4 business days and require a full investigation. I have never disputed these inquiries before ; therefore, they can not be considered frivolous. This is my last resort before I send an intent to sue. I am a victim of identity theft and these inquiries are the result of someone else using my information. 

These are the inquiries that must be blocked within 4 business days : 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX Email : XXXX RE : Attorney Letter XXXX, XXXX, Transunion Please See The Attached Letter I've constantly over the past 3 months attempted to get these bureaus to correct false information ; I've submitted letters of validation, I've stated the accounts aren't mine, I've stated the information is inaccurate, but the Bureaus continue to refuse to comply. I never consented to have my personal information displayed, or purchased, or reported.
Product: Credit reporting or other personal consumer reports

I sent a dispute to all three credit bureaus to have my credit report updated with the accurate information and the information was not updated.
Product: Credit reporting

I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$140.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Experian Credit Report as OPEN, UNPAID and " Seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department '' ( please see attached Credit Report excerpt ).