23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

An unapproved insurance service called Home Depot Balance Protector was added to my account without my knowledge or permission. I called on XX/XX/20 and canceled when I discovered the error. I was told that a refund in the amount of {$3300.00} would be returned to me within thirty days. I have called the Home Depot Balance Protector contact center on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20. Each time I speak to a specialist, I am told that I will receive a follow up by mail within thirty days. I have not received a refund. I expect to be refunded due to the unauthorized service that I did not add to my account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to urgently address a significant issue regarding a debt that was reported to me last year. 

I previously informed the debt collector that I do not owe XXXX XXXX, as I have an active account with them. The account linked to the address provided does not belong to me, and despite disputing this matter, it remains on some of my credit reports. 

To expedite the removal process, I recently contacted Credence Resource Management and paid the amount in full. However, they stated that XXXX does not permit them to delete this entry from my records, even though it is not my debt. 

This situation is impacting my credit score and overall financial standing. I kindly request your immediate assistance in resolving this matter and ensuring that the incorrect information is removed from my credit reports. 

Thank you for your prompt attention to this urgent issue. I look forward to your swift response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did NOT properly verify the information they claim they verified from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are ONLY USING name & social to verify information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I were involved in a personal Chapter  XXXX  bankruptcy. The case ran from  XXXX  to  XXXX . On  XXXX   XXXX ,  XXXX , the case was successfully closed.   I sent a copy of the order closing the case from the  US Bankruptcy court to all of the credit bureaus..Experian,  XXXX ,  XXXX  and asked them  to show the case as closed / discharged.     I worked with credit repair service and we got many of the individual records corrected.   I have worked diligently to improve my credit and my credit scores from all   XXXX    bureaus show the improvement.     However they still show me as being involved in an open/active bankryptcy, and this is incorrect ... the was successfully closed, I am no longer in bankruptcy.
Product: Vehicle loan or lease

This is a add on to a complaint I already put in on XXXX XXXX,2017 complaint XXXX about AQUA FINANCE, INC.. 

I had put in this prior complaint and was surprised and thought great customer service since I received a call the next day on XX/XX/XXXX from a " XXXX '' who was in management ( called from a unknown number ) and she apologized over and over how Aqua Finance was wrong in this whole process with me, all representatives/Managers I spoke to all stated I was late/past due and that was incorrect regarding my account, which I am very upset about if I did not know my laws and or rights then that would of been it. XXXX explained how all of this was " bad training and they will look into this '' and how she wanted to move forward with the process of loan I agreed she stated she will make notes and forward all my info to the head guy in financing and I will get a return phone call. Well go figure .... it is now 8 days later and no returned phone call or any emails etc..I have no idea if I was approved, denied, nothing! I am so frustrated with this process especially how I feel I was told I was denied original on the prior claim which is NOT correct and in my eyes a " False Statement '' from the Finance Company this is very unprofessional and agian I am highly frustrated due to now allowing them to move forward and fix the problem they have made the situation worse and once again misleading information by having someone contact me back ( after pulling my credit ) and NO ONE can communicate with me in regards to the loan process, I have no call back number for this XXXX and I do not want to even call customer service do to the prior complaint and I was mislead/lied to by all the managers ... .this is the MOST horrible experience I have been through when applying for a loan, especially frustrating that I have a existing loan which is in good standing so I have a relationship with this company already.I need to know what I can do about this i feel like I have false denial statements ( original complaint ) and now this company has pulled my credit and no phone calls back to me ... .I am ANGRY!!!!!
Product: Checking or savings account

On Friday XX/XX/XXXX at XXXX, I attempted to deposit {$2500.00} of cash into a Bank of America drive-through ATM ( 24 {$100.00} bills, 5 {$20.00} bills ). The ATM timed out after about 10 minutes and only credited me {$300.00}. The address of the location is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. 

I went inside the branch to file a complaint, but they told me to call the claims number and provided me with the number. 

I called the claims number and filed a claim. Since I was only credited for {$300.00}, the claim is for the remaining {$2200.00}. Every time I try and get an update, I am told to wait 45-90 days for a resolution. I have also not received a provisional credit for this, despite being told I would be when I filed the claim. 

I was moving this money from my XXXX XXXX XXXX XXXX account to my Bank of America account, so I have a paper trail of my withdrawal from XXXX of {$2500.00}. I also took a video/photo of the Bank of America ATM screen because it was spinning for an unusual amount of time. 

I have attached the photo of the Bank of America claim number, a photo of the ATM screen, and a screenshot of XXXX XXXX XXXX XXXX account that I withdrew {$2500.00} from to deposit into Bank of America.
Product: Credit reporting or other personal consumer reports

CCS is trying to collect on a debt that is not owed. I have requested several times that CCS remove all reporting from the all 3 credit bureaus. I do not owe any debt to XXXX. In fact, XXXX has provided documentation dated XX/XX/XXXX stating my account payments have been timely and I do not owe any debts. Additionally, I have attached the email from XXXX stating my coverage ended on XX/XX/XXXX, which is well before the date on the letter of XX/XX/XXXX. Despite CCS having this documentation and me providing them with it further, CCS is willfully reporting inaccurate, fraudulent information which is resulting in massive harm to my credit report. I demand CCS delete all reporting from the credit bureaus immediately.
Product: Debt collection

CBE group out of XXXX phone number XXXX XXXX called me to speak to XXXX XXXX who does not have my phone number XXXX asked me if I knew him and started asking personal questions. I hung up the phone I do not owe a debt collector so why are they calling me about some one else debt. Are they looking up family members to harass in order to collect a debt this is illegal and they should be fined XXXX is my Son. I am outraged, I was bothered at work for some else debts? They are calling family members to collect debts? XXXX is not associated with my cell phone number at all. How did they get my phone number?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. She reviewed an XXXX Credit report and found an inquiry made under a fraudulent application submitted XX/XX/XXXX to CBNA for an account she never authorized. A formal dispute of this activity was mailed certified with return receipt to CBNA XX/XX/XXXX however as of this date CBNA has failed to reply to the status of the outcome or investigation. This is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I filed a previous complaint against Midwest Recovery Systems only for them to totally respond with information that was nothing but a lie. They claimed that MRS policy to send notice within five days of communication per the FDCPA. Our internal policy is to honor both verbal, and written validation requests. 

MRS broke the law per FDCPA because they put this so called debt on my credit reports without notifing me at all, their agent callled and bragged that MRS had already submitted to the credit bureaus.
Product: Money transfer, virtual currency, or money service

This complaint is related to a {$30000.00} wire transfer from Citibank to XXXX XXXX  in XXXX, FL on XX/XX/year>. The wire receipt indicated that the transfer was made, not to XXXX XXXX, but to XXXX XXXX XXXX XXXX ( XXXX ) in XXXX, NY. I reported the discrepancy to Citibank, requested a wire recall and reported that the beneficiary account holder was perpetrating fraud by posing as XXXX XXXX. Citibank denied my claim of fraud since the wire instructions originated from an authorized account holder. However, I believe certain regulatory gaps are being exploited, of which I am the victim. I believe the beneficiary bank, XXXX, is supporting the exploitation of an exemption in the Bank Secrecy Act that enables an account holder to operate without regulatory oversight. The wire transfer to XXXX appears to be part of its domestic operations, which is not true, the wire transfer instructions were received from an account holder located in XXXX. XXXX has been accused of multiple fraudulent transactions and, interestingly, they do not have a response mechanism for CFPB. My complaint against XXXX XXXX XXXX Bank went to the OCC through Consumer Financial Protection Bureau, but OCC response was not helpful because I do not have an account at XXXX, according to the form letter I received.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act the companies listed below has violated my rights. 15 U.S.C 16.81 section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 it also states a consumer report agency can not furnish a account without my written instructions. 
XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Act # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX and Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$620.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} 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

EXPERIAN has reported a fraudulent account on my credit report. It was not authorized and has no valid information about me. I have requested it to be removed in alignment with FCRA regulations, but they refuse.
Product: Checking or savings account

I try to open account they told me account was previously open but I didnt open account I showed police report and they still denied me
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 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 or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiry in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiry listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

not sure I see some inquiries on my report, that I did not do
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 
XXXX XXXX XXXX Date opened XX/XX/2019 Balance : {$0.00}.
Product: Credit reporting

Transunion report deleted inquiries and reinserted with out providing written notice in 5 days of adding them. I called to dispute but they keep putting me on hold!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to the bureaus and have received nothing from them. I have checked for any updates and nothing has been done. I really need erroneous items removed to move forward with a home loan please remove.
Product: Prepaid card

I received an Amex Gift Card from my employer This is the second card I have received that does not work anywhere. I have tried to use it in store and online, and it is declined everywhere. I called the customer service number and they said that they couldn't help and that I needed to go back to my employer and ask them to fix it. I am unable to fix this and Amex is unwilling to help.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed XXXX and TransUnion Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, XXXX and TransUnion Credit Bureaus must update the listed account from my file. 

XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXX  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 XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX 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 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: Checking or savings account

I was attempting to put gas on truck with my chase debit card and it kept declining. 
I call the bank and they said they made a review and decided it was best to close the account and that no further bank account can be opened with chase. And I said how is that possible if no one has communicated with us to tell us anything that how are they going to just close our bank account like that, we have our checks from work deposited there, our bills and rent payed through that account. And its not overdrafted, its been in good standing. All they said they made the decision to close the account, when I asked for a reason I was told they couldnt disclose that information and that in 10 business days the account would be officially closed and theyll make a check with anything that was left on the account and send it out.
Product: Debt collection

I have tried many things to get this resolved. I have also submitted a compliant to the States Attorney 's office. There is an account reporting with XXXX XXXX XXXX XXXX that shows a balance but it also shows the account was sent to XXXX XXXX XXXX XXXX N yet XXXX XXXX indicate they still have the account but this company too is showing the account. I am at wits end and feel like I am getting the run around from every end. Please I need your help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Inaccurate Reporting on Credit Report by Equifax Dear CFPB, I am writing to express my concern regarding inaccuracies in my credit report provided by Equifax. Upon reviewing my report, I noticed that my rental payments for XXXX and XXXX have not been reported. This omission does not reflect my payment history accurately, and I believe it constitutes a violation of my rights under the Fair Credit Reporting Act. 

As a responsible consumer, I have consistently made my rental payments on time, and I will be uploading supporting documents to verify that these payments were made as scheduled. I understand that accurate and fair credit reporting is essential for maintaining the integrity of the financial system, as noted in U.S. Code Title 15, 1681. 

I would appreciate your assistance in resolving this matter promptly. Please let me know if there are any additional steps I need to take or forms I need to complete to facilitate this process. 

Thank you for your attention to this important issue. I look forward to your swift response. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated by consumer rights. 

The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX XXXX Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX XXXX XXXX XXXX Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following unauthorize in excessive inquiries were made on my credit report. 
XXXX XXXX XXXX XXXX XXXX MD XXXX Phone XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX  XXXX XXXX XXXX  # XXXX XXXX CA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone XXXX XXXX XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XX/XX/2020 XX/XX/2020 XX/XX/2020