23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  actions constitute a serious violation of both the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations. According to the FCRA, specifically 15 U.S.C. 1681b and 1681g, any entity reporting information to credit bureaus must have a permissible purpose and provide proper notice of the debt to the consumer. Furthermore, under 15 U.S.C. 1681i, they are required to provide validation of the debt upon request. 

Since XXXX XXXX XXXX began reporting negative information on XX/XX/year>, without my consent or knowledge, and has failed to provide the required written notice or validation of the debt, they have violated these regulations. Their actions have led to significant financial hardship and have imposed undue mental and physical strain on me. Their failure to adhere to the FCRA and CFPB guidelines is both unlawful and detrimental.
Product: Credit reporting or other personal consumer reports

According to the statutes outlined in XXXX5 US Code 1681 ( e ) and 15 US Code 1681 ( 5 ), this account is in breach for failing to provide completely accurate information. It falsely attributes the bankruptcy court as the source of information, which is deceptive and constitutes forgery, especially considering the court does not typically report such accounts. I hereby formally request the immediate removal of these accounts to uphold the accuracy and reliability of my credit profile, as mandated by law.
Product: Checking or savings account

I received a personal email solicitation from Bank of America inviting me to open a checking account with {$50000.00} to receive a {$500.00} bonus after 60 days. We visited a local branch, presented the email and told the rep that we wanted to take advantage of the offer, We deposited {$5000.00} on XX/XX/XXXX. As of today XX/XX/XXXX we have NOT received the bonus money. We visited the local branch and spent over an hour with XXXX XXXX who agreed the money was due. XXXX called the bank 's main office and after an hour we were told that the issue would be investigated and to check back in 60 days. The branch manager XXXX XXXX agreed with us since we brought the original email, the notice of the original bank appointment and all receipts. She said they can not do anything. 
This is false advertisement targeting seniors since I am XXXX and my wife XXXX. 
You have to stop these crooks before other senoirs fall prey to their scam! 
Please help!
Product: Student loan

XXXX XXXX University liquidated my Perkins loan. When this process was being done, I did not receive any notification that payments would be in jeopardy. My loan was on an automatic bill pay deduction. I had never had a late payment. when the load liquidation started, they failed to take a payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/2019. The school says they can not take the payment and record that it is being made. The monthly payment is {$40.00} per month and has not been made during these months. I would like to, but have no one to pay. 

The late/missed payments however are being reported to the credit agencies and this is negatively impacting my credit score. My ability to get a home loan and my cost on my auto insurance have been impacted. 

the school does not know any information on how long this will last. 

I just want to make my payments and make sure my credit rating is corrected. What can I do?
Product: Checking or savings account

On XXXX XXXX XXXXXX/XX/XXXX, I received a fraudulent charge on my checking account for the amount of {$520.00} labeled as the following : " XXXX XXXX XXXX* securepayment XXXX XXXX '' On XX/XX/XXXX, I submitted a complaint to Bank of America regarding a fraudulent charge on my bank account ( Claim ID # XXXX ). The charge was from a merchant who transfers funds to a recipient directly ( e.g., XXXX, XXXX, etc. ). From my understanding, Bank of America offers {$0.00} liability guarantee for any unknown or fraudulent charges on my bank account. 

The bank issued a temporary credit for the purchase during their investigation of the claim, and I did not hear back from the claim until XX/XX/XXXX, when I noticed a {$520.00} deduction from my bank account. I was not certain where or why this charge came from, so I contacted the bank the same day to notify them of this. They had informed me that the claim was ultimately decided to not be in my favor, and to contact the merchant to recoup my funds. I had no idea who the merchant was, where to contact them, and how to get ahold of them. I requested with the fraud department to please re-review my claim and continue to seek restitution for this. Again, I had received nothing from this {$520.00} charge and did not know who the merchant was. 

The bank provided a temporary credit once again to me to cover the costs during their re-review of the claim, and I received an update today, XX/XX/XXXX, that they again did not rule in my favor for the claim. They told me they exhausted all efforts to recoup the money and I needed to reach out to the merchant to resolve this matter, but did not provide any information on the merchant. 

I am extremely upset and disappointed in Bank of America as my financial institution that I have been banking at for over 10 years of my life. I feel as if their fraud department let me down and I don't believe I should be responsible for paying the fraudulent charge on my bank account. This matter has made me determined to close my bank account with them and to avoid doing any further business with them as a financial institution.
Product: Money transfer, virtual currency, or money service

I received a collection notice from XXXX XXXX which is a debt collection agency stating I owe XXXX dollars for a paypal credit account that was opened in my name may of XXXX. The email they say that was attatched was XXXX. I couldn't remeber that if my life depended on it. I used to have a paypal credit years ago but it was closed. Im not sure what to do about this i've worked hard to keep my credit up.
Product: Money transfer, virtual currency, or money service

I spent {$110.00} at XXXX on XX/XX/2023 on my Cash App card. Money was in the account and I had gotten a direct deposit from my job as well. I had been using the card all through the month. I took a Cash App advance in XXXX. I did not get to use most of it because Cash App took the money. I inquired as to why and was told that they did not pay XXXX from the XX/XX/XXXX transaction. I was not notified of any discrepancy and per my records that transaction had been paid. I called XXXX they had not put forth any extra transaction and stated that XX/XX/XXXX transaction for the amount {$110.00} only. I sent Cash App a service request and was told that the transaction had not been paid so they took it from my balance. This is untrue. They are charging me for the balance and {$1.00} each week in interest which is usury as Texas has a 10 % limit per annum. I paid {$45.00} on the balance today but I do nog owe them the money. I need assistance with them being held accountable for deception. The statement for XXXX doesnt show the Amounts spent for each transaction so included a screen shot of a text notification from Cash App that I receive per each transaction. 
Thank you, XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates say that I owe them several debts. I did not agree nor did I sign a contact with them at any time. I have sent Portfolio Recovery Ass several debt validation letters and they have failed to provide me with adequate documents and a signed contract from myself stating that I agreed to pay them this alleged debt. Since Porfolio Recovery Associates can not provide this information I wish to have all of their negative remarks removed from all XXXX credit reporting agencies that is affecting my credit score.
Product: Checking or savings account

My business account was suddenly closed by Bank of America for no reason whatsoever on XXXX. They didnt give me no warning, didnt send me any emails, letters, nothing. 
My account and debit card was working until XX/XX/XXXX around XXXX and then after that my card and my account stopped functioning and I called the bank and I was told my account was on the processing of being closed for no reason. That the bank has the authority to close the bank at any given time due to their discretion and policy. 
They couldnt give me any accurate or estimate date of when Im supposed to receive my funds.

This is totally outrageous and wrong. I work hard for my funds and they are essential and vital For my personal living and my business. I had around {$11000.00} in that account and I simply cant go on weeks and weeks waiting to have access to my funds because of the bank that closed my account for no reason whatsoever. This is completely outrageous and frustrating.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone : ( XXXX ) XXXX SS # XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Request for Removal of Unauthorized Inquiries Dear TransUnion Consumer Dispute Department , I am reaching out to formally dispute several unauthorized inquiries that have appeared on my TransUnion credit report. After reviewing my report, I found multiple inquiries that I did not initiate or authorize. 

The following inquiries should be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As I did not authorize these inquiries, I am requesting their immediate removal from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). Unauthorized inquiries can negatively impact my credit, and I take my credit profile seriously. 

Enclosed, I have included a copy of my identification and a copy of my credit report highlighting the disputed inquiries for your reference. 

Please complete your investigation and provide me with confirmation of the deletions within 30 days. Thank you for your attention to this matter. 

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

Previous Complaint # XXXX I Complained On XX/XX/2022, That Transunion Is Inaccurately reporting A public record on my credit report. Attached Is Transunion Response In Which The Docket # On The Account Is WRONG! So How Are They Accurately VERIFYING This Information With The WRONG DOCKET #
Product: Mortgage

I had a mortgage with XXXX. I made a payment to my principal on my mortgage In the amount of {$10000.00}, I made my regular Monthly payment in the of {$1000.00}, this transaction was done on XX/XX/XXXX, I also made several smaller transaction requesting it goes to the principal balance of the loan. I paid my loan off on XX/XX/XXXX, in the amount of {$5500.00}. I was told that pay out date was expected to be XX/XX/XXXX, So my issued is, if I gave them {$10000.00}, Plus some additional smaller funds, why did I only recieve a check for only {$7.00}, and the loan was paid in full early before the pay out date.
Product: Credit card

1. I had an issue with XXXX XXXX  as my ticket was cancelled within 24 hours and the credit was not given so open a dispute with Chase Credit card. The Chase gave me temporary credit of {$1100.00}. After a few days, the same amount was charged back stating my transaction was valid as per airlines rules. The airlines keeps telling me that we issue a credit check with your bank but chase did not help me resolved this issue. Although, I provided email evidence from XXXX, no help from Chase. I doubt the Chase dispute department ever contacted XXXX XXXX After my repeated attempt with XXXX XXXX, they issue a credit on XX/XX/23 but Chase Rebilled me the same original amount again ( twice one was already rebilled on XXXX ). When I called, they said we need to investigate but no resolution until now. 
2. the card also offer a trip cancellation benefits and I provided doctor notes as I had XXXX XXXX XXXX XXXXut they said you are not eligible because of pre-existing condition. I did not have any pre-existing condition. They are misguiding the customers and not giving benefit as they advertised. I was getting different answers from different customers representatives.
Product: Credit card or prepaid card

I purchased thousands of dollars on Sears Citibank MasterCard and immediately paid the card off. In XX/XX/XXXXof this year, when I received a bill for {$29.00} I called Sears Citibank, paid the contested amount and closed the account. They confirmed the account was closed and I owed nothing. 

In XX/XX/XXXXI began receiving 4-5 calls a day from a robot saying to call Sears Citibank Master Card or contact Sears online. I contacted Sears and was told ( via chat ) that I owed XXXX dollars in interest on the previous {$29.00} charges. After wasting much time explaining the account was closed and waiting for them to look up all of my records ( I do not have the number any more ), they apologized for the error and promised to stop the calls. 

The calls continued. I called the number given which was changed to XXXX and got more robot directions. After hitting " 0 '' over and over and over, I finally received a human voice. I explained I did not owe anything to Sears, that I had closed my account and paid {$29.00} that I did not even owe, so I was sure not going to pay them any more. 

I was put on hold, transferred to another person who kept insisting my account said I now owed XXXX  DOLLARS. 

I am XXXX XXXX XXXX. This is consumer fraud. They badger people, wasting their time answering robot calls over and over and over, and then threaten to continue those calls and even damage their immaculate credit score if they do not dish out money to stop it. I want this stopped immediately and I want them to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX  Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am reaching out to formally address Experian ongoing failure to correct inaccurate information regarding late payments on my credit report for my XXXX account ( Account Number XXXX ). Despite my repeated attempts to rectify this issue, including documented requests sent on XX/XX/scrub>XXXX no action has been taken to amend the errors. This negligence directly violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) and continues to harm my credit standing. 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. Despite multiple disputes, the erroneous reporting remains uncorrected. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness, impacting my ability to maintain favorable financial terms. 
XXXX XXXX XXXX of Obligations XXXX ( XXXX ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. In this case, the improper late payment notation suggests that timely statements were not provided as required. 
The following discrepancies were noted on my Experian report and other major credit bureaus : XXXX : Shows a XXXX late payment in XXXX and XXXX, and a XXXX late payment in XXXX, despite consistent on-time payments. 
Experian : Similarly, reflects a XXXX late payment in XXXX and XXXX, and a XXXX late in XXXX. 
XXXX : Reports XXXX late payments in XXXX and XXXX, and a XXXX late payment in XXXX. 
Nothing has changed despite XXXX previous disputes with Experian and the original creditor, and this continued misreporting has led to unnecessary harm to my XXXX XXXX and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notations from my Experian credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly XXXX result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your immediate attention to this matter. I trust that you will handle this issue with the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting

I reviewed my updated Experian Credit Report ( XXXX/XXXX/2016 ) after getting an email from Experian that there was an update to my Credit Report. When reviewing my Credit Report I observed that Experian has failed to remove XXXX hard inquiries that I have been disputing for a long time. The same inquiries reflecting on my Experian report have already been investigating and deleted from my Equifax Credit Report. Experian delay in resolving this matter is causing a negative effect of my creditworthiness and credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am verifying that I XXXX XXXX is mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF IDENTITY THEFT, I PLEA IS TO HAVE THIS FRAUDULENT BANK OF AMERICA ACCOUNT REMOVED FROM MY CREDIT REPORT. THE ACCOUNT WAS OPENED WITHOUT MY CONSENT, THE CHARGES AND THE PAYMENTS MADE ARE NOT DONE BY ME. I HAVE NEVER REQUESTED THIS ACCOUNT TO BE OPENED. THIS ACCOUNT CURRENTLY IS CLOSED WITH A XXXX BALANCE,, NEVER THE LESS THIS IS A FRAUDULENT ACCOUNT AND ITS NOT MINE,
Product: Vehicle loan or lease

i have road side asst with this loan, and hyunddia has yet to reimburse me for a tow of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance XXXX {$3200.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inaccurate reporting of a XXXX XXXX account ( Account # XXXX ) on my XXXX and TransUnion XXXX reports. I have attached documentation from the XXXX XXXX XXXX ( XXXX  ), which informed XXXX XXXX of my complaint on XX/XX/year> ( XXXX XXXX  XXXX ). Despite multiple attempts, the XXXX  confirmed that XXXX XXXX failed to respond or provide any validation for the alleged debt, and the case has been closed as an unanswered complaint. 

XXXX has removed this account from my credit report, which raises the question of how XXXX and TransUnion are still reporting this account as verified. Furthermore, the reporting contains inconsistent and incorrect information, including the open date, the date last active, and the payment history. This raises serious concerns about the accuracy of the information being furnished. 

XXXX XXXX has failed to validate this account despite my repeated requests. Therefore, it is unclear how XXXX and TransUnion can continue to acknowledge this account as accurate when XXXX has already taken the appropriate action to remove it. I am demanding that this account be removed immediately from my XXXX and TransUnion credit reports. 

Attached is the BBB document showing that XXXX XXXX has been unresponsive to the validation request. I request prompt action to investigate and remove this account to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and maintain the integrity of credit reporting practices. Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I was never late on this account. 
XXXX These account era incorrect and not are mine XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX