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

Inquiry was solicited or not authorized I have attempted to resolve this issue to no avail. This was reported to the credit reporting agency without my consent and is a violation of my rights according to the FAIR CREDIT REPORTING ACT. 
15 USC 1681 602A states I have a right to privacy.

15USC 1681 section 604A also states a consumer reporting agency can not furnish an account without my written instructions..
Product: Credit reporting, credit repair services, or other personal consumer reports

I been having a lot of difficult issues with Experian regarding a alleged debt thats reporting on my consumer credit report. Ive tried multiple times calling and disputing this item and no action have been taken seriously! I am tried of this XXXX as so called investigation they do. Theyre violating my rights as a consumer.
Product: Checking or savings account

I HAVE A SAVING ACCOUNT WITH ALLY BANK. BANK CLOSE STATEMENT XXXX XXXX OF EVERY MONTH. TODAY, XXXX. I DID NOT RECEIVE MY STATEMENT BY XXXX. I CALLED THEIR CUSTOMER SERVICE BUT THEY NEVER CO OPERATE WITH CUSTOMER. THIS BANK HAD A VERY BAD CUSTOMER SERVICE. I CLOSED MY OTHER ACCOUNT IN XXXX XXXX BECAUSE OF THEIR HORRIBLE CUSTOMER SERVICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started my investigation XX/XX/2021 I haven't heard anything from the credit bureau they are violating my rights
Product: Credit reporting or other personal consumer reports

This item XXXX XXXX XXXX XXXX XXXX XXXX XXXX account credit Report is inaccuracies Payment history and last Date of activity and Balance are all incorrect Delete it from my credit Report Immediately
Product: Debt collection

I have alleged debt with hunter warfield. I had mailed them a letter and they returned it to me. now they are calling everyone in my family to threaten me. the letter was to verify the alleged debt failed to respond. I have the letter they sent back to me. they will not send me any information that I have requested.
Product: Debt collection

On Friday XXXX XXXX responded to a call from XXXX at XXXX financial services he did not want to listen only yell at me and told me he was done with my XXXX and hung up. He then called back later being nice telling me he represents XXXX XXXX insurance. I called them and he is a third party debt collector. I spoke again on Tuesday, XXXX XXXX XXXX and he told me he will not accept any payments and if I pay DMV or anyone else he will see my husband never drives another day of his life. This was done yelling at the top of his XXXX. He asked me if I want to play games. He said he would take money from employer, bank acct ect ... I felt very emotionally abused and will seek legal council against him.
Product: Credit reporting or other personal consumer reports

I settled the debt with 1st Credit Services and expected the account status to be removed from my credit files as I am no longer in collections. 



The problem arose after much difficulty cancelling a gym membership with XXXX XXXX even though I did not reside in the state. I have proof that I did not reside in the state if needed. 



I am asking 1st Credit Services to remove this account with the credit reporting agencies i.e. XXXX because that is no longer the status of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act BridgeCrest Account # XXXX has violated my rights. Under 15 USC 1681 sections 602 States I have the right to privacy .15 USC 1681 Section 604a section 2 It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credits as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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
Product: Student loan

I want to verify I am signed up for correct plan since I work for the state in public service sector. Have been throughout covid so want to verify I have been credit payments for that time. Called 5x hold times ranged from 30 mins to an hour before hanging up due to have to work. Now payments are late but I not comfortable paying until verifying I'm in right repayment plan.
Product: Credit reporting or other personal consumer reports

I have been contacting Equifax regarding my credit report.Previously I had several fraud accounts that has been resolved.Yet the Bureau erased many of my accounts.See my XXXX report.Those same account I marked on the side reports to all XXXX bureaus.Some odd reason Equifax removed my accounts and the creditor are trying to report them and cant... .I have tried numerous times resolving this issue and to no avail.Also when my credit bureau is pulled the creditors arent receiving the report.Its coming up empty no report.This has caued me irriatable harm over and over.I have not froze or asked for any freeze... Please have a supervisor over Consumer Affairs to call me.Everytime I ask for a supervisor the represenative stated he the highest supervisor ( representative namely XXXX ) I want a supervisor over Consumer Affairs. Everytime I attempt to do anything with XXXX.Im told to send my id and social.That a long process each time. Im giving 10 days this matter resolved ..... I have letters from creditors stating they reporting my accounts but they not appearing.I got letters showing my file is locked or frozen and cant be access.
Product: Credit card or prepaid card

After receiving numerous solicitations including a card for Exec. VP to get the Discover card I applied online on XX/XX/XXXX and asked me to provide all the information including copy of my driver 's license and social security card which I did. I did not apply to get more credit as I am only using 21 % of my available credit lines but they offered interest free balance transfer with no fees which attracted me to their offer. They refused because their letter stated " UNABLE TO VERIFY CREDIT REFERENCES/APPLICATION INFORMATION '' This is a total fabrication as I have verified that XXXX provided Discover with a hard copy of my credit report.
Product: Checking or savings account

XX/XX/XXXX afternoon around XXXX. I entered Bank of America located in XXXX XXXX on XXXX XXXX XXXX XXXX XXXX. I proceeded to the Atm inside the branch to activate my business card once i was done with that i tried to deposit some cash. The Atm gave me back cash that didnt go through and keep {$400.00} dollars without depositing into my account. I didnt receive no receipt. The Atm gave me back my business atm card and did not deposit/credit the {$400.00} in my account. I called made a claim and was told to wait 1-2 days. I called the next day and 2nd day nothing still was credit into my account. So now bank of america customer service says that i have to wait until XX/XX/XXXX to receive my money. I feel taken advantage of, i been lied to about 1-2 days now it changed to XX/XX/XXXX. I need some answers to why they lie to me then take my money and i have to wait weeks to get. Im so upset. Please help me solve this problem please. Thank you have a great day.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute of Credit Charges Due to Expired Breach 15 U.S.C. 1681 To Whom It May Concern, I am writing to formally dispute certain charges on my credit report that I believe are inaccurate and related to an expired data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I request a thorough investigation into this matter and the removal of these inaccuracies from my credit file. 



Additionally, I am concerned about the documented failures of XXXX, as outlined in the CFPBs recent lawsuit ( XX/XX/XXXX ), which alleges that XXXX has conducted sham investigations of consumer disputes, failed to properly review disputes, and improperly reinserted inaccurate information into consumer reports. These violations have harmed consumers by allowing inaccurate information to remain on credit reports, threatening access to credit, employment, and housing. 



The specific charges I am disputing are as follows : 1. Original Creditor : XXXX XXXX XXXX  XXXX in Dispute : {$370.00} Balance Updated Date : XX/XX/XXXX Date Opened : XX/XX/XXXX. 
Status Updated Date : XX/XX/XXXX 2. Original Creditor : XXXX XXXX XXXX  XXXX in Dispute : {$330.00} Balance Updated Date : XX/XX/XXXX Date Opened : XX/XX/XXXX Status Updated Date : XX/XX/XXXX XXXX. Original Creditor : XXXX XXXX XXXX XXXX in Dispute : {$770.00} Balance Updated Date : XX/XX/XXXX Date Opened : XX/XX/XXXX ' Status Updated Date : XX/XX/XXXX XXXX. Original Creditor : XXXX Bank XXXX in Dispute : {$1700.00} Balance Updated Date : XX/XX/XXXX Date Opened : XX/XX/XXXX Status Updated Date : XX/XX/XXXX I believe these charges are invalid because they resulted from unauthorized access to my personal information due to a data breach or were not initiated or authorized by me. These inaccuracies have negatively impacted my creditworthiness, resulting in [ denials of credit, higher interest rates, etc. ]. 



Under the FCRA, consumer reporting agencies are required to ensure accuracy in consumer reports and conduct proper investigations into disputes. Based on the CFPBs findings, I am concerned that Experians investigation processes may not comply with federal law, and I request your oversight to ensure this matter is handled fairly and thoroughly. 



I request that the inaccurate information be removed from my credit report. Please confirm receipt of this letter and provide updates on the status of my dispute. I expect a response within 30 days, as required under the FCRA. 



Thank you for your attention to this matter. 



Sincerely,
Product: Credit reporting or other personal consumer reports

Complaint Regarding Negligence in Compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681o ) ** To Whom It May Concern, I am submitting this complaint to formally report a violation of the Fair Credit Reporting Act ( FCRA ) under **15 U.S.C. 1681o**, which holds entities liable for negligent non-compliance with the law. I have attempted to resolve this matter directly with the responsible party but have not received a satisfactory resolution. 

Despite my efforts to dispute the inaccurate information and request an appropriate investigation, the entity has failed to comply with the FCRAs requirements. Their negligence in correcting or removing the erroneous data has resulted in harm, including but not limited to : - **Denied credit opportunities** - **Financial and reputational damage** - **Unnecessary stress and inconvenience** Under the FCRA, the responsible party must conduct a reasonable investigation and ensure that the reported information is accurate. Their failure to do so constitutes negligence under **15 U.S.C. 1681o**, making them liable for damages.
Product: Money transfer, virtual currency, or money service

I am filing a complaint againsXXXX XXXX XXXX  ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to tak timely and effective measures to prevent ana 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

I engaged XXXX via XXXX mail in XXXX of XXXX asking them to validate Monterey Collections after I had disputed with the company directly on their website and reached out to Monterey Collections to verify & dispute that I have debt with them. Monterey promptly responded & failed to verify that I have a debt with them & prove that they are licensed & bonded to collect from me or in my state ; however, XXXX updated my dispute as " Verified ''. In response, I sent a certified letter to XXXX in XXXX of XXXX asking them to share the details of how they validated Monterey Collections. XXXX responded to me by asking me to validate my identity. When I called to ask why, the stated that " they assumed I was a credit repair company or my identity was compromised so they wanted me to send in another copy of my ID & XXXX plus proof of my mailing address. I did. At witch time this request was asked of me in XXXX of XXXX, well after the 30 day response time. In XXXX of XXXX I sent a XXXX round of the same request with all of the PII they requested, and they again asked me to verify my identity and dispute with the collection company. In addition, this response came to me via email when I asked for a response via mail.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following inquries inaccurate and not aware of my knowledge to be placed on my credit report according to the FCRA U.S CODE 15 U.S.C 1681 ET SEQ .section 604 of fair credit reporting Act Please remove all inquiries listed in my ftc report detachment below thank you i am a victim of identity theft. 

Inquries below : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, sent a check to my niece for {$200.00}. Checked was intercepted and blatantly modified to read {$2000.00} with an " or '' name added to the Pay to Order of line. Wording also changed from XXXX XXXX to XXXX XXXX. US Bank posted this check to my account on XXXX in the {$2000.00} amount without verifying changes made. I saw the activity on XXXX and reported to Fraud Dept. Instructed to complete paperwork at XXXX XXXX. Did so on XX/XX/XXXX. Branch manager told me the $ $ $ would be " temporarily returned '' to my account. Paperwork was not sent to the US Bank Fraud Dept by branch. XXXX Manager gave me his number. I have left multiple messages for him to return my calls for further information to be given regarding the Police Report #. He has not returned any of my calls. Today, XX/XX/XXXX, I have learned none of the paperwork was submitted and was required to submit again with the return of my money more than 2 weeks from now pending approval of what should have been sent on XX/XX/XXXX. New account setup XX/XX/XXXX. No checks yet received. My son was sent a signature form for the new account. When he tried to sign and return it, he received an error message. I have alerted the branch to this problem. Unresponsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Regarding Unrecognized Account and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized account. Additionally, I have reason to believe that these account may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference. 

The unauthorized account listed on my credit report, which I believe to be a consequence of identity theft, are as follows : XXXX XXXX  XXXX XX/XX/2022 I have taken immediate action by reporting the identity theft to the relevant authorities. However, it is alarming to find these unauthorized ACCOUNT on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized account. I urge you to consider the impact of these account on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.
Product: Credit card or prepaid card

My son received a prepaid Visa Giftcard for the amount of {$100.00} ( so did my daughter ). I went to use the cards to purchase some sports equipment/baseball bags for my son and the same for my daughter. I had an unopened Visa Giftcard and ripped it open at the register. When I scanned the card for payment of the purchase, the cashier told me that there was {$38.00} available balance on the card. I purchased my daughter 's bag using her unopened Visa Giftcard and she still had a {$100.00} balance. When I returned home I looked up the purchase history on this card and discovered that there was a fraud and someone had made a purchase on XXXX @ XXXX XXXX  for the amount of {$61.00} was used at a XXXX in California. I am not sure what they purchased. I called a number and was able to get ahold of someone and was told to file a complaint, after receiving an email. I received a response on XX/XX/1922 at XXXX : XXXX which prompted me to mail in a complaint form, which I did. I have not received any correspondence to date after I filed my complaint. I will show a copy of my complaint at the end of this. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Gift Card Dispute - Trouble Ticket / Case ID / XXXX External Inbox XXXX Attachments Wed, XX/XX/XXXX, XXXX XXXX  to me Dear XXXX XXXX This email is to confirm that we have received your verbal notification of your claim. 

We will begin the investigation once you provide the completed case form. 

For your convenience, we have attached this form that should be completed and returned to us immediately. 

You may send the case form to us by Email to XXXX Fax to XXXX Mail to : InComm, Inc. 
Attn : Resolution Department XXXX XXXX XXXX XXXX, GA XXXX Sincerely, Case Resolution XXXX XXXX XXXX XXXX, GA XXXX Fax : XXXX Email : XXXX XXXX
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX a loan for {$900.00} from a payday loan company FastBucks was processed. Around this same time frame I was having issues with Identity thief. I also was separated from my wife and we had not been in communication. I also was not living in the same city where the loan was taken out. On XX/XX/XXXX a claim was filed with the local magistrate court, reference # XXXX. It was not until I applied for a loan in XX/XX/XXXX that I became aware that I had defaulted on this loan. I went to the local Fastbucks office to obtain information on the loan and how I can resolve the issue. Initially they were unable to provide any information on the loan. It took several months and a number of calls on my part before they provided documentation on the loan. I explained to the regional office manager that I was never notified nor had I been issued a summons to appear in court for the XX/XX/XXXX hearing. Because of the Identity thief that was taking place at that same time period I was uncertain that this was even my loan. The local office eventually provided me with documentation showing that I indeed taken a loan out in XX/XX/XXXX. After apologizing for not taking care of this load, I proceeded to offer a settlement on the loan and would be willing to pay the {$900.00} plus reasonable interest on the loan. At that time the regional Fastbucks manager told me that the loan would have to be paid in full {$3100.00} and was unwilling to work out any settlement. I asked if I elevate this to see if I can negotiate a settlement, she advised I contact corporate. I am a XXXX  military veteran and live on a fixed income, I am more than willing to work on a reasonable settlement with this company to resolve this issue when I called on XX/XX/XXXX they informed me that now I owe almost {$4500.00} on {$900.00} loan. I called the corporate office who told me that I need to contact the local office to negotiate a settlement and the local office told me there is nothing they can do I would have to speak with the corporate office. Again I am not unwilling to work something out but what the company is asking can certainly be described as criminal.
Product: Credit reporting or other personal consumer reports

Identity Theft! I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card. 

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Product: Debt collection

D2 Management called about a debt on a bank account that was incurred over 11 years ago. They violated the FDCPA rules regarding disclosure by disclosing the last 4 digits of my social security number. Further, they are pursuing a debt against me solely when this particular bank account was a joint account with my husband. They also insinuated that my credit would be adversely affected if I did not pay this balance. I have this recorded on my phone and can provide proof of it if needed.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a Credit Monitoring system with Experian. The sign-up procedure took < 2 mins. In order to cancel, I have to call them. I have been on hold for more than 2 hours over the phone, no response.
Product: Credit card

I've always made sure to pay this account on time, never letting payments become overdue. I'm puzzled by reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, this should be corrected.