23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I reviewed my credit report on XX/XX/22 and noticed there were some recently added derogatory accounts from collections agencies and I believe this is a result of identity theft or fraud and these collections are not mine. Choice Recovery Inc for {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX for XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX wa XXXX. XXXX reports for XXXX, XXXX and XXXX XX/XX/22 and disputed with each credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE. I NOTICED IT BCAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASNT APPROVED SO IT PROMT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AN DNED TO BE DELETED FROM MY CREDIT REPORT. XXXX  XXXX {$850.00} XXXX XXXX {$490.00}
Product: Money transfer, virtual currency, or money service

I am filling 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 Fraud 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

I had a perfect credit history. I had no late payments with my creditors for some several years.  My score ranged for XXXX to XXXX normally.  On XX/XX/XXXX, the XXXX company reported a 90 day late to the credit bureau for the months of XX/XX/XXXX and XX/XX/XXXX.  This infarction caused my credit score to drop to XXXX.  I had been making payments monthly to XXXX. Consistently, the XXXX Reps ensured me that as long as payments were consistently made; I would be in good standings. However, that was not the case. I made my last payment on XX/XX/XXXX. and was held in default for not only XXXX but XXXX as well. I have contacted XXXX by phone to dispute, but was unsuccessful. I have submitted a written Dispute that is pending. My frustration comes because XXXX  incorrectly informed me on my account situation and also was not given the appropriate consideration.I asked that the 90 Day lates be removed from my credit report. Thank you in advance for your cooperation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquiry that are posted from XXXX XXXX XXXX and a bank that is not from me can you please remove them or investigate the problem
Product: Bank account or service

I had several hundred dollars in my account and made routine daily transactions on a debit card, as they were processing a check was cashed. THe bank processed the check and then charged me {$280.00} in overdraft fees for separate transactions, they processed the check first to put me over my account and then processed the small purchases. The {$280.00} in fees was for minor items such as a a soda.
Product: Credit reporting or other personal consumer reports

My information was leaked multiple times to the dark web. XXXX XXXX of XXXX, XXXX XXXX XXXX XXXXa fraudulent account was made and dropped my score over XXXX points and XXXX data breach leaked so much of my personal information. I filed a complaint with the FTC XXXX I also had a bank of America account opened ( XXXX ) and a XXXX XXXX XXXX XXXX XXXX ( open XXXX ) which was Open and closed in less then XXXX months without my knowledge.and has hindered me from getting any type of bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am demanding that this information resulting from identity theft, be removed. I have not given any written instructions or any permissible purpose for any of the following inaccurate and unverified information to be furnished. That is a violation of 15 USC 1681b, which constitutes as aggravated identity theft in accordance with 18 U.S. Code 1028A by Transunion. 

The term identity theft as described in 15 U.S.Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority.

15 U.S. Code 1681e ( a ) Consumer reporting agencies must maintain reasonable procedures designed to avoid violations under section 1681c which includes violations of permissible purposes, and I am aware that no consumer reporting agency can furnish a consumer report to any person without following all the purposes listed in section 1681b of this title 15. 

15 U.S. Code 1681e ( b ) A consumer reporting agency must follow and maintain reasonable procedures to assure maximum possible accuracy of furnished information on my consumer report. 

This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

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

In the process of purchasing a home my credit report was pulled. To my surprise I had a late reported to my credit by XXXX XXXX for the month of XXXX. I obtained an Auto loan with XXXX XXXX in XX/XX/XXXX. For over 40 months I have made payments on time within a 30day period. On XX/XX/XXXX I called in to make my regular payment OF {$1200.00} to XXXX XXXX, with 5 days remaining in the month. After speaking with their customer service and loan department, I was informed that there was nothing they could do to reverse the late that they reported on my credit. They confirmed that I did call in on XX/XX/XXXX but they out source the processing of their payments to a company called XXXX which post the payments within 2 business days from which they were made. In my situation they did not post until the 4th business day which was the XX/XX/XXXX, causing me to have a 30 day late on my credit. This is definitely unfair trade practices. I had NO knowledge of their outsourcing and I should not have to suffer from a 30 day late when in fact the payment was made well within that time frame. I am in the process of purchasing a home and this has greatly affected my ability to qualify for a home loan.
Product: Checking or savings account

On XX/XX/23 my BOA account was locked due to suspicious activity, I have confirmed numerous of times that it was me using my own debit card. Then XX/XX/23 BOA made the decision to close my deposit account. There is a balance of {$62000.00} that is rightfully owed to me but BOA keeps extending the hold on my funds. A cashier check of {$42000.00} was deposited on XX/XX/23 and was supposed to be made available by XX/XX/XXXXbut BOA keeps extending the hold. There is a new hold on XX/XX/23 for the same deposit. I felt that BOA froze my account unlawfully with a faulty fraud detection program, when there was, in fact, no fraud. I also felt that BOA broke the Regulation CC law by not making {$5500.00} worth of funds available the following business day and going pass over 7th business day. 
XXXX XXXX XXXX : Bank of America Account # : XXXX Routing : XXXX
Product: Mortgage

I filed a formal complaint with Shellpoint Mortgages and they have corrected only a portion of the problem. 

Shellpoint notified us that our flood insurance lapsed in XX/XX/XXXX and if proof of coverage was not provided, they would place their internal flood policy on our payments starting on XX/XX/XXXX. We provided proof ( via email and an via an upload link ) that we had coverage on several dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The surcharge was {$190.00} for XXXX and again {$190.00} in XXXX. Shellpoint finally recognized our coverage and indicated that this issue should be closed on XX/XX/XXXX. However, they only promised to refund {$280.00}. Shellpoint should refund the full {$390.00} The original complaint ( XXXX ) is closed, but I am not satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that the Credit Bureaus are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that they decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries have been on my report for quite some time. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge. Also, XXXX XXXX tried to resolve this issue as well but was unsuccessful with Equifax. 

XXXX/XXXX  XXXX Inquiry from XX/XX/XXXX Miscellaneous Us Department Of Edu Inquiry from XX/XX/XXXX State
Product: Debt collection

Please review my report. I notice the creditors are not cooperating with the requests I need for inaccurate items on my credit.
Product: Checking or savings account

I had a bank account with US Bank for many years. I closed this account early 2019 with a XXXX balance after a dispute with US Bank and a fraudulent purchase on my account with XXXX XXXX ( I filed the dispute with them and had it removed ). I only had my checking account with US Bank with a debit card. Now, years later they are telling me that I had a credit card with them ( NEVER HAD ONE ) and have a collection account with them over {$2500.00}. I have called them repetitively and explained to them that I never had a credit card and closed my account with a XXXX balance ( the bank account with the debit card ). I have spent XXXX 's of hours on the phone telling them my old bank account number and now it's mysteriously disappeared from their records. I know US Bank has had major lawsuits from illegally opening certain accounts in peoples names that had other accounts with them. They refuse to send me the documentation showing that I opened a credit card ( only stating I made purchases and owe over {$2500.00} ) I told them any purchases were made from a debit card with the associated checking account I had and I closed my account with a XXXX balance. They refuse to help me and are submitting fraudulent information to the credit reporting agencies stating I owe a lot in collections from credit cards. For documentation my bank account with them was XXXX. Recovery department refuses to give me copies of my bank statements. I am going into a US BANK branch today to demand copies of my statements which I can then upload for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the account listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX, XXXX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

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

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX  XXXX XXXX, LA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX : {$15000.00}, 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: Debt collection

XXXX was my first initial communication with Allied Collections Service. A customer service representative informed me he had me on a recorded line so I instantly began to record phone conversation as well. He stated I had a balance of XXXX and i instantly disputed and demanded proof of debt and to send me contract. XX/XX/year> i retrieved my Consumer report with XXXX and discovered Allied collection have reported a balance of XXXX which is considered debt parking and also a violation under FDCPA 1692e ( XXXX ). XXXX XXXX Allied Collection reported a new balance of XXXX without providing account level documentation. which is a violation 15 U.S.C 1681 ( o ) and failing to comply with 15 U.S.C. 1681 ( XXXX ). XXXX XXXX I sent a certified letter with the tracking XXXX XXXX to their registered agent in which they ignored my request and on mayXX/XX/year> Allied Collection reported a different amount again in the amount of XXXX which is cleary a violation under the fair credit reporting act. Allied Collection has harrased me over and alleged debt and stressed Me out
Product: Bank account or service

I 'm XXXX years old and my KeyBank account has been compromised. By a attorney who has used fradulent documents to get access to my account. Which has allowed this attorney to get my privilege information. Which include my checking, saving and my investment information. When I first contacted KeyBank no one seemed to know anything about these actions. I went to court several times and there was no attachments. Then after the last time going into court this attorney told the court that he had my money. With out my knowledge I 've never been contacted at any time in regards to this issue. I feel very violated I never had any judgements at all never even been to court about this. Just out of the blue he choose my name to include in his scam. Preying on the XXXX trying to get there money which is basically stealing.
Product: Credit reporting 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 XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  : Account XXXX Account Name XXXX XXXX XXXX XXXX : Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report Despite my submissions, XXXX 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, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
Accounts that need removed due to inaccurate information is below XXXX XXXX amount {$730.00} XXXX XXXX- amount {$5900.00} XXXX XXXX amount {$1800.00} XXXX XXXX {$3800.00} XXXX XXXX ( three listed that I am authorized user on not owner but it is reporting late on my credit files XXXX- I was authorized user not owner but late payments are effecting my credit file negativity
Product: Checking or savings account

Request To Review Denied Claims Dear Dear XXXX XXXX, I am writing in response to your letter dated XX/XX/XXXX  regarding the numerous disputed transactions that were filed on my Bank of America account ending in XXXX. While I appreciate you providing a detailed summary of the claims and their respective statuses, I find your uneven approvals and denials of these claims to be highly perplexing. 
As evidenced by the subject matter and timing of these charges, it is abundantly clear that they originate from the same fraudulent scheme perpetrated by an unknown third party without my consent. However, your decision to approve certain claims ( XXXX, XXXX ) while denying the majority of others appears inconsistent at best and contradictory at worst. 
If you had investigated the claims thoroughly, you would have undoubtedly reached the conclusion that these charges lack merit across the board. I am hard pressed to comprehend why approvals were granted for some and not others, when they clearly exhibit the same indicators of fraud according to my account history and your documentation. 
This arbitrary cherry-picking of disputes to approve casts serious doubt on the rigor of your investigative process. I request that Bank of America undertake a comprehensive review of ALL submitted claims with greater scrutiny and care before reaching determinations. Moving forward, I expect that my disputes will be evaluated fairly based on their individual merits, not on vague assumptions or internal policies that fail to account for nuances in fraud patterns. 
Additionally, please provide a detailed, point-by-point explanation for why each claim was approved or denied. I believe I am entitled to understand the rationale behind these decisions that directly affected my finances and livelihood. Anything less would be a disservice to your customers who trust you to thoroughly investigate fraud and reimburse them accordingly. 
I look forward to receiving your response to address these inconsistencies and provide next steps. Please feel free to contact me if any additional information is required from my end. As the victim of an apparent scam, I hope you can understand my position and desire for fair treatment and transparency from my financial institution. 
Thank you in advance for your cooperation and understanding.Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has a 30 late payment listed on my credit report that is inaccurate. I have made numerous attempts to get this reporting corrected and have not received any response from XXXX. I have been waiting over 90 days. Under the FCRA this late payment should be deleted immediately due to lack of response.
Product: Credit reporting or other personal consumer reports

RE : XXXX Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : XXXX is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMERICAN HONDA XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : XXXX DID NOT disclose XXXX me that I had the right to OPT OUT of this information being shared. This was very deceptive and XXXX never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft FDCPA 8012 Furnishing Deceptive Forms : XXXX has furnished inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so XXXX doesnt even know if these accounts are accurate, but yet XXXX reported this inaccurate information. Also XXXX reported that I owe a debt, of any numbers, only positive ). By you telling me I owe a " debt, but reporting positive balances to my credit report is very deceptive. 
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 I never gave EQUIFAX any written consent to report anything on my consumer report no consent is identity theft if the laws I quoted from Congress are incorrect, please correct me by providing the LAWS that support XXXX reporting the above mentioned accounts and inquiries. If XXXX is unable to provide proof, PLEASE DELETE above accounts and attached inquiries.
Product: Credit card

XXXX XXXX XXXX & Citi Failed Balance Transfer I initiated a balance transfer from my XXXX account to my Citi account over two months ago, but the funds never reached Citi. Despite my repeated calls to both banks, I am constantly transferred between departments, placed on hold, or disconnected. Neither institution has resolved the issue, and I am being charged interest as a result. 

XXXX confirm that on XX/XX/year>, a balance transfer was initiated, through Discovers online application and processed on XX/XX/year>, to Citi Bank ending in XXXX. XXXX records also confirm that on XX/XX/year>, a dispute was opened, and the check was cancelled. On XX/XX/year>, a notification was sent to you advising that Citi Bank had not cashed the check and to advise you that the check was reissued. Additionally, XXXX has confirmed that the balance transfer check was cashed on XX/XX/year> by CITI CITI PERSONAL LOAN ACCOUNT # XXXX Relevant Case Numbers : Citi Missing Payment Complaint Number : XXXX Discover Dispute Number : XXXX Actions Ive Taken : I have called both Citi and XXXX daily, yet no resolution has been provided. 
Each bank keeps blaming the other without offering a clear explanation of where the funds are. 
I am now incurring additional interest due to their negligence.
Product: Debt collection

SW Credit Systems has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.