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

Bank of America has offered promotions and upon calling a representative for details I have been misinformed on multiple occasions resulting in a delinquent account. They have apologized that they provided the wrong information but are not willing to correct their errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # # # # # # # # # # # # XXXX XXXX XXXX XXXX # # # # # # # # # # # # 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
Product: Credit reporting or other personal consumer reports

I submitted a XXXX XXXX dispute. I am a victim of XXXX. The adverse information, which appears on my credit report, is the result of that XXXX. I asked XXXX to please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. XXXX did not block or remove the adverse information. I submitted all required documents.
Product: Debt collection

XX/XX/XXXX My complaint : Navy Federal Credit Union drafted my checking account for {$540.00} on XX/XX/XXXX for a debt in my sons charged off checking account. My son and I have a joint savings account with Navy Federal. My sons checking and savings account was charged off on XX/XX/XXXX. I called Navy Federal today to ask for my money to be returned to my checking account and why would my checking account be effected because of a debt that has nothing to do with me and the Navy federal customer service rep as well as the supervisor in the Charge Off Department repeatedly told me because I was a joint owner on the savings account which has a balance of {$0.00}, and the money was then transferred to the checking account owned by my son only, his previous balance was {$5000.00} after my checking account from drafted his balance now is XXXX. I took my son to the police station back in XXXX to file a police report about the his checking account being defrauded by someone else because he lost his ATM card, and a check was deposited into his checking account. I called them back for a second time today ( XX/XX/XXXX ) at about XXXX and they let me know we were on a recorded line and talked with the customer service rep and supervisor but this time I was told a whole different story that the debt was now in his savings accounts which I am a joint owner on, but the debt owed had been in his checking account from XX/XX/XXXX until today according to the supervisor in the Charge Off Department. All the correspondence about XXXX XXXX XXXX Navy Federal checking account came to XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX was only addressed to him not me. His savings account had and still has a balance of {$0.00} according to the customer service reps that I talked with on Saturday, XX/XX/XXXX and today at XXXX XXXX XX/XX/XXXX. The information didnt change until I started to asked them repeatedly how am I legally responsible for debt in an account that is not in my name. I didnt know this was legal for them to draft my checking account to pay a debt that is not in my name. I just want my {$540.00} put back into my checking account. If you need more information please see my contact information below. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have an account reporting on my credit that is not mine. I have never seen this account or have knowledge of this creditor. I demand this collection account be removed from my credit ASAP.
Product: Credit reporting or other personal consumer reports

I submitted a dispute online via Equifax website. Equifax replied saying inquiries were a matter of fact and that I needed to contact the people who posted it. I contacted XXXX XXXX and they did not have any record of me or any account that they could search to look into who and when my credit was inquired. 

I called Equifax back and they informed me that I had to go through this process of filing a report, writing a hand written letter, then sending Equifax the complaint, letter and my drivers license, for them to remove the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ID was stolen inXX/XX/XXXX. Thought the years this person who lives in Georgia has used my name, social security number, and date of birth to change data on my three credit reporting companies and open fraudulent bank accounts to get credit cards. In XX/XX/XXXX I placed freeze codes with XXXX, XXXX, and Equifax.
In XX/XX/XXXX received a notice from Equifax that someone had changes my address to XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX  and changes the phone number to XXXX. Also he had opened an account with XXXX XXXX XXXX phone XXXX. I reported this to Equifax, XXXX XXXX, the XXXX XXXX  Police Department report # XXXX. On XX/XX/XXXX found that he had changed my address with XXXX to the Georgia address. It took me until XX/XX/XXXX to get all of data corrected. onXX/XX/XXXX he changes my address with XXXX to XXXX XXXX XXXX XXXX, XXXX, GA, XXXX phone XXXX. new police report XXXX. ON XX/XX/XXXX he changed address on Equifax to XXXX XXXX XXXX, XXXX, GA, XXXX. FTC FILE XXXX. Still trying to get Equifax to fix my credit reports to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my credit report and I have fraudulent and inaccurate accounts reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed items on XX/XX/2020 had no response from bureau. submitted disputes again XX/XX/2020 XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the 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 you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$380.00} 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute for Removal of XXXX XXXX Information Due to FCRA Violations Account Number : XXXX Dear CFPB, I am writing to formally dispute the inaccurate reporting of XXXX XXXX obligations on my credit report, specifically the account related to Account XXXX. The reporting of this account violates the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681**, and is being unlawfully updated monthly to artificially extend the statute of limitations on the debt.

# # # Violation of the FCRA and USC Provisions Under the **FCRA, 15 U.S.C . 1681e ( b ) **, credit reporting agencies are required to maintain accurate and up-to-date information. However, the repeated monthly updates on this XXXX XXXX account are misleading and are an attempt to re-age the debt in violation of federal law. These actions falsely suggest that delinquency is more recent than it actually is, impacting my credit score unfairly.

Additionally, under **15 U.S.C. 1681c ( a ) ( 4 ) **, credit reporting agencies are prohibited from reporting outdated negative information beyond the allowable reporting period, which typically can not extend beyond 7 years for most types of debts. Continuously updating a delinquent child support account to extend the reporting period is a clear violation of these rules.

Furthermore, re-aging the account or updating the delinquency date each month constitutes a violation of federal debt collection laws under **15 U.S.C. 1692d**, which protects consumers from unfair or deceptive collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX R SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeApartment complex XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX Resident typeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX, FL XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX Resident typeSingle family XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy
of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX R SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX , FL XXXX
Product: Credit reporting or other personal consumer reports

Invalid information that doesnt match all together on the 3 credit reporting agencies. Equifax, XXXX, XXXX : Date Opened Last Reported Date Last active Date of last payment All 3 is showing different payment history! INACCURATE & Not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX-Loan XXXX XXXX lease XXXX XXXX-Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

XXXX XXXX-Loan XXXX XXXX lease XXXX XXXX-Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING ACCOUNT IS NOT MINE AND WAS OPEN WITHOUT MY CONSENT ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, L ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX.
Product: Credit card or prepaid card

I paid off my XXXX credit card due to refi of my house. I had a balance of {$20.00}, they could see it was paid off and refused to issue a refund until one full billing cycle. When I asked if they were going to pay me intrest because if I used thier money and did not pay it off right away I have to pay intrest. Talked to 2 manager, even was yelled at, thier policy is not send out over payments until 1 full billing cycle, not done manually. So they get more intrest off the money of mine. I asked for the account to be shut down, it still shows online active. When I called about it they say it was shut down, when I asked why I can still see it active on line, the responce is well you are signup for online. What does that even mean? Shouldn't it stated clsoed or not allow me to view things online? What a horrible card to deal with. Perfect payments for over 3 years, but when it come to giving me an over payment, well we can't do that. I closed the account down and still they will not refund until next billing cycle. I can't believe they will not refund {$20.00} now and instead lost a good person who has used XXXX of dollars, paid on time and never complainted about the intrest they have. I just want me money due to me now since the account isn't even open anymore.
Product: Debt collection

This is a collection company. They bought out a account and when I've ask for verification and not validation, they only send computer generated replies. Still show no proof that the account belongs to the account holder. They are a debt collection agency that buy accounts without full verification. Again I'm asking for them to send VERIFICATION and not validation that account belongs to the account holder.
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. 

These errors pertain to the following accounts : 1. XXXX XXXXXX/XX/XXXX XXXX - Account Number : XXXX XXXX. XX/XX/XXXXXXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account XXXX XXXX. XXXX - Account Number : XXXX, XXXX.XX/XX/XXXXXXXX XXXX XXXX Account Number XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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.

15 U.S. Code 1666b - Timing of payments ( 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.

I am requesting letters and documents to notify of Late payments on these accounts if such documents are not provided in 30 days, I request immediate removal of these accounts from my credit report.
Product: Credit reporting

Experian XXXX XXXX XXXX, TX XXXX I recently pulled a copy of my credit report on-line and found that you are reporting the following delinquent account ( s ) that are past the 7 year reporting time as allowed under the Fair Credit Reporting Act. The following account ( s ) should be deleted immediately : Creditor : XXXX Account Number : XXXX Date of Last Delinquency : XXXX XXXX Delinquency by XXXX XXXX XXXX Judgment was paid on XXXX with XXXX XXXX Reporting time expire in XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely,
Product: Debt collection

A debt I have no knowledge of it's been on my credit report for a couple years now since XX/XX/2015 amount of {$270.00} I'm trying too dispute it I have no way of paying
Product: Checking or savings account

XX/XX/2022 Suntrust is rearrange sequencing and charging orverdraft fees to my account. Also, I e had overdraft capability turned off on my account and should not even have transactions go through because I turned off the feature. I went to check to ensure it was turned off today XX/XX/2022 and it was and updated it again. I was charged for a subscription and the XXXX in my account and they dont even have a valid debit card, so Im not understanding why Im being charged. Rearrange sequencing should be illegal and by not honoring the fact that I have turned off overdraft protection, no items should go through.
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 proce 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 | 2 ) financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX Account Name XXXX XXXX Account Number XXXX {$810.00} past due as of Account Name XXXX XXXXXXXX XXXX Account Number XXXX Account Type Credit card {$7000.00} written off. 

DISCOVER FINANCIAL SERVICES Account Number XXXX {$11000.00} written off. 

Account Name XXXX XXXX XXXX Account Number XXXX {$2000.00}
Product: Checking or savings account

I was notified on Saturday XX/XX/XXXX that my savings account and CD account were closed on XX/XX/XXXX. I inquired why and was told there was a problem with my daughters profile. My daughter was put on my account as a co owner and beneficiary in XX/XX/year> with her current information. I asked why they did not contact me before closing the accounts and they said they tried to reach out to my daughter with old contact information not the updated from XX/XX/year>. When I asked where the money was they said they sent checks in the mail. One check was over {$50000.00} and the other {$1500.00}. I can not believe that they would send a checks in those amounts in regular mail. I asked to put a stop on the checks and deposit the funds in another account that I had still open with them. They refused and told me I had to wait 10 days to see if I got the checks. The savings account also was used for direct deposits of my retirement so I had to contact the two agencies and fill out new forms for a new account at a local bank that I use. If and when I retrieve my money the CD rates have all fallen so I will be losing money when I reinvest. Having had Capital One online banking for a number of years I am truly upset by the manner in which this was handled. I spent hours on the phone trying to resolve this problem. If only they had reached out to me before closing my accounts.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I made a phone call to XXXX XXXX stating I would like to close all of my accounts with the company. The representative helping asked if I'd like to close my savings account as well to which I responded yes along with my credit card account. They stated my accounts were closed however months later I noticed my credit score went down drastically. After calling to discuss how I already closed my account and should not have any outstanding balances it turns out an autopay charge from XXXX XXXX XXXX had been interest for several months. I told them that this didn't make any sense and I don't feel as though I should be responsible for paying the accrued amount since I had already closed this account. Rather than investigating the issue, they suggested I settle which I did immediately to rectify the issue. However, I was not aware that settling would worsen my credit score and that the late payments would remain on my credit report. As of XX/XX/XXXX, my XXXX XXXX case manager reviewed the phone call and mentioned they could escalate the issue to their manager but that they've never reversed a settlement before. Despite substantiating the fact that I intended to close all of my accounts including my credit card on the XXXX phone call, it seems that XXXX XXXX is not willing to accept accountability for the representative 's error and help remove the negative mark from my credit report.