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

We submitted three individual checks for deposit by mail in the total amount of {$9100.00}. The bank, Simple Bank aka BBVA Compass Bank, notified us that they were unable to deposit the checks on XX/XX/19 and stated that we would be sent the checks, along with a statement explaining why they couldn't be deposited. 

The checks were paid to us from the State of California for XXXX  XXXX, so we were surprised that there was even an issue with the checks. 

We have yet to receive the checks and the bank is claiming to not know where they are and are refusing to do anything about it until the checks show up somewhere. 

We have tried numerous times to get any news from the bank but they have repeatedly been stonewalled and given no info.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and dissatisfaction with the repeated, unsuccessful attempts I have made to remove fraudulent items from my account. Despite my persistence and the compelling evidence I have provided, these fraudulent items continue to linger, adversely affecting my financial well-being and personal security. 

I initially identified several unauthorized and fraudulent entries associated with my account. These entries encompass fraudulent items, such as unauthorized inquiries, collection accounts and inaccurate addresses. 

In response to the discovery of these fraudulent items, I promptly initiated disputes through your official channels, presenting compelling evidence to substantiate my claims. I specifically requested the removal of these fraudulent items. However, my initial disputes were not resolved in my favor, and the fraudulent items remained on my account. 

Undeterred by the initial lack of resolution, I made several follow-up attempts to dispute and rectify these fraudulent items. I supplied additional evidence, communicated with your customer support, and sought further assistance from your representatives, hoping to correct this situation. 

Despite my continuous efforts, including this second round of disputes, the fraudulent items remain on my account, causing significant financial and emotional distress. Their presence continues to adversely affect my financial reputation and security. 

I demand immediate action to remove these fraudulent items from my account. A thorough investigation into their origin is necessary, and my account history should be updated accurately. I also request written confirmation once these fraudulent items have been successfully removed. 

Failure to address this matter promptly not only jeopardizes my financial stability but also erodes my trust in your organization 's ability to protect my sensitive information and manage accurate financial records. I am asking for your assistance to remove the following fraudulent items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I used my overdraft but was charged extra and I paid the overdraft.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My personal information has been used to obtain goods and services. I contacted TRANSUNION and told them that this Fradulent Account are fradulent and provided proof, even though they told me that this Fradulent Account were verifed. Please dispute and remove this fradulent information from my credit report XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information regarding this negative account that is reporting to my credit profile. Im submitting this complaint by myself and there is no unauthorized third party involved.

Please open disputes and have this removed immediately.
Product: Mortgage

During the first week of XX/XX/2020, I contacted Quicken Loans in order to start a refinancing of my house with a cash out option of {$230000.00}. I provided all information asked of me including personal and business bank statements which show my income. I received the Closing Disclosure form on XX/XX/2020 which including the schedule closing date of XX/XX/2020. The loan processor has since contacted me asking for more information from myself and my CPA due to the fact that somehow I no longer qualify for this refi. 
The contact from Quicken Loans that I have been working with is XXXX XXXX.
Product: Debt collection

XXXX XXXX reported to Experian that I was in collections for an wireless phone account that was opened in XX/XX/2023. I do not have an account with XXXX. The amount was {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I see these accounts that were not made or authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  XXXX Account Number XXXX XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Bankruptcy Account Number : XXXX, has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Creditor Name : XXXX XXXX Account number : XXXX Date opened : XX/XX/18 XXXX XXXX Code XXXX - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such statement. 

( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 

( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 

( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 

( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 

( XXXX ) Any other error described in regulations of the XXXX.
Product: Credit reporting 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 that 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 XXXX
Product: Checking or savings account

Bank statements were stolen so I try to close the account. They said I couldnt because I wasnt the one who opened it but it was in my name. They said I couldnt get a print out because Im claiming it wasnt my account but the account that I had open, transferred all its funds to the fraudulent one online And online they open up the account as well and stole my ID to do so They were taking from a savings account that was mine all the way from New York and I live in XXXX XXXX
Product: Student loan

Navient now requires me to input my social security number or account number before login. This was not previously the case. Additionally, they do not send you any information containing your account number by mail or email. Many people do not feel safe giving out SS number over the phone or online and this results in many people, including myself, who are locked out from accessing their loan documents. Customer service will not allow you to verify identity with any other information. They state that they are following DOE guidelines. These guidelines are, for lack of a better word, XXXX. I may now be permanently locked out of my account. This antiquated DOE guideline was ill-planned and needs to be rewritten.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting another CFPB Complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. I need the followig items removed from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OH, XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX  XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX. XXXX Unpaid Balance {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XXXXDespite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have issues with inaccurate reporting before. XXXX is continuing to report the account as delinquent. I have filed a previous report with CFPB due to inaccurate reporting and problems paying the debt. This account is not delinquent, and it has been managed through a debt consolidation program since XX/XX/2017. The account is being paid in full, and it was not delinquent during the onset of the implementation of the debt management. 

Inaccurate reporting on the behalf of XXXX is continuing to further damage my credit score and cause undue stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

.To Whom It May Concern, The reason for my dispute is XXXX XXXX, XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX, XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX, XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX, XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see whereXXXX XXXX, XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX, XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

CAP ONE NA Inquiry date
XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX

XXXX Inquiry date
XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX Inquiry date
XXXX XXXX XXXX Department And Variety Stores - non specific XXXX XXXX XXXX XXXX XXXX Inquiry date
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date
XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX nquiry date
XXXX XXXX XXXX Mortgage Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX

XXXX XXXX Inquiry date
XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Bank Credit CardsXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX
Product: Debt collection

CHARGE IS TRANSACTIONAL USURY INTEREST ON INTEREST [ EUITY LOAN WITH WELLS FARGO ACCT XXXX XX/XX/XXXX BY AN XXXX XXXX XXXX SEE # XXXX ON XX/XX/XXXX NEEDED MORE INFO?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I went into XXXX to set up new service on a phone. I asked several times if the transunion pull was a hard or a soft, and I was told soft by the store. We spoke to the credit bureau, and they informed me it was a hard pull. I told them I did not want to move forward, but thanked them for their time, and transunion pulled my credit anyway. When the XXXX XXXXXXXX  representatives told them that they asked them not to pull my credit, transunion hung up the phone. Ive called them at least XXXX times to report this and they keep hanging up.
Product: Debt collection

Over the past four months, I have received more than 50 voicemails from Bank of America regarding a past-due account. Despite this excessive contact, I have already made multiple attempts to address my financial hardship with them. I sent a secure message on XX/XX/year>, requesting information about their hardship program and asked for all further communication regarding my account to be sent in writing. 

The excessive calls have caused significant stress and inconvenience, especially as I prefer not to discuss financial matters over the phone. Furthermore, I have not received a meaningful response to my written request. Bank of Americas actions appear to disregard my preference for written communication and may constitute harassment or unfair debt collection practices under the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXX, XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX, XXXX XXXX, XXXX, XXXX XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XX/XX/22 CFPB COMPLAINT THIS XXXX XXXX WAS DELETED FROM XXXX BECAUSE OF IT BEING UNVERIFED! BUT SINCE I'VE NOTICED IT ON EXPERIAN AND XXXX REPORTS HOW? THIS IS NOT MY ACCOUNT AND A DIRECT VIOLATION OF MY RIGHTS! LAWS ARE BEING BROKEN HERE EX : 15 1692 ( c ) ( a ) 15 USC 1692 B ( 2 ) I HAVE FILE IDENTITY COMPLAINT WITH FTC DEMAND IMMEDIATE REMOVAL FULLY PREPARED FOR LITIGATION FOR ACCOUNT REPORTING AS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX  XXXX XXXX Balance : {$19000.00} ; XXXX XXXX  XXXX/XXXX  XXXX Balance : {$930.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$330.00} ; XXXX  XXXX  XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$450.00}
Product: Credit reporting or other personal consumer reports

Third request prior-to filing a federal lawsuit against the CFPB and the CRAs.

This is my third request for the immediate removal of unauthorized accounts in my name. Upon review of my recent personal credit report, UNAUTHORIZED hard credit inquiries DO NOT belong to me. I immediately notified the Credit Reporting Agencies to no avail. In addition, I have a " fraud alert '' placed on all 3 credit files and has not served anything in protection. The CRAs continued to sell my personal information to third parties offering me credit, loans, and ironically, credit monitoring services. It should be noted that the CRAs are completely unmoved by CFPB filings and have demonstrated no sense of urgency in complying with the complaints filed by consumers. I have filed complaints with the Federal Trade Commission ( FTC ) and to this day after almost 1 year-to-date, have not been able to obligate the CRAs to remove these UNAUTHORIZED credit inquiries through the CFPB process, one which is lame and ineffective by legal standards. CFPB has taken a XXXX position in properly enforcing the Federal statutes although it is now evident that the CRAS has present Class-Action lawsuits pending in Federal Court XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

A purchase was made in the amount of {$58.00} on XX/XX/year>. We filed a dispute to retract the payment. We need details about the transaction and dispute resolution? 
Identify the bank, account number and owner that received the initial payment? Provide details about the Merchants response and credit received for the dispute.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E.these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate