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

Someone has used my information to open fraudulent accounts. I have taken legal action against all parties. I have been advised to take the legal actions against two of the Credit Bureaus, XXXX XXXX Transunion, for reporting inaccurate and fraudulent information and accounts. The Account is XXXX XXXX, Account # XXXX, Balance is {$750.00}, & Date Opened is XXXX XXXX, XXXX. This account was opened fraudulently in my name. According to the creditor, the account was opened XX/XX/2018. I was incarcerated during that time. I would have been able to open this account and I did not give anyone permission to do so. I have provided documentation supporting this. I demand this account be removed immediately.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Checking or savings account

I paid for my car insurance however it still said it declined.
Product: Mortgage

While truing to refinance my mortgage through Provident Funding Associates, L.P. Loan Officer XXXX XXXX / NMLS ID : XXXX asked me to sign a mortgage application that was not correct ( excluded some of my liabilities ) in order to proceed with the refinance and lock my rate. I asked him to add the liabilities to the form so I could sign it, but he said he could not do that. He said to sign the incorrect initial application, and the changes would be reflected on the final application I would also sign. If I did not sign the initial application with the incorrect information, he could not proceed with the refinance. I told him this was not right, I would not sign an application that was not correct, and asked to speak with a supervisor. He refused to let me speak to a supervisor.
Product: Checking or savings account

i do not want   XXXX   XXXX   to answer this complaint first answer was in refernece to wrong account.
  XXXX   XXXX   XXXX   ending in   XXXX   non profit account deactivated in   XX/XX/XXXX  last year while service fees were charged i did not know about want fees waived  and time needed to meet requirements so i want a waiver on fees. i shoud have been noticed about fee changes and deactivation. please dont respond look at statements did not get them. i should have been noticed about deactivation. no  XXXX  please do it NO   XXXX   answering this. someone else he always stonewalls
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I Opened a security deposit with my tenant 's funds on XXXX with XXXX XXXX XXXX 
On XX/XX/year> my tenant moved out, I inspected unit and went to above to close account and return my tenant 's money. All XXXX XXXX branch offices were closed and all accounts were transferred to Chase Bank. On XX/XX/year> I went to Chase Bank and they had my other accounts but not my tenant 's security deposit account. I was there for 2 hours as they attempted to find it. It was late in day Friday so XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX contacted XXXX XXXX, and officials at Chase and said to come back Monday. I returned XX/XX/XXXX and XXXX XXXX again contacted XXXX XXXX XXXX I was at the bank, XXXX XXXX XXXX Representative called me and said the account funds would transfer by end of month. On XXXX XXXX I returned to Chase and again XXXX was unable to get my funds released attempting for over an hour. I returned after holiday on XX/XX/XXXX and had the same experience. I have filed complaints with Attorney General and filed a complaint with XXXX XXXXXXXX XXXX  office. I have 30 days to return my tenant 's deposit and the 30 days is up on XX/XX/XXXX. Please advise-do I have to give tenant my money? Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letters on XX/XX/2022. my tracking is as follows. ( XXXX ) ( XXXX ). to remove personal information that i do not want on my credit repoert. According to the fair credit reporting act 15 USC 1681. i have a right to privacy.

also act 15 USC 6802. it states that no financial institutions is not supposed to share my information to a thrird party people.

these are clear violations of my Federal protected consumer rights.
Product: Debt collection

I called today XX/XX/21 cancel recurring draft payments and the representative I spoke with suggested to me that my credit could be damaged. I also provided a verbal cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
The Following have violated my rights : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 also states consumer reporting agency can not furnish an account with my written concern. 

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, credit repair services, or other personal consumer reports

Happy New Year! For 3 consecutive months in a row, XX/XX/2020, XX/XX/2020 and XX/XX/2020 I have sent and mailed letters to the credit Bureaus to help either verity or remove some items I did not recognize as mine. They violated the law 3 times in a row and now I am seeking judgment. Equifax, XXXX  as well as XXXX. My letters spell out the law clear and it is not confusing. 

Everything I sent was certified mail and they have received every one of my documents.

No one has provided me proof according to Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

A state tax lien that has been paid and released from 2010 has not been removed from my credit report. It has been removed from my XXXX Credit report but not TransUnion. 
I have called TransUnion, The XXXX County Recorder, & The California state Franchise Tax Board. They all say they cant help me and tell me and point me in the direction of the other.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Accounts XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$66.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$290.00}
Product: Credit reporting

XXXX 

I was in a corporation that utilized this company, where XXXX individual credit cards were issued. XXXX to myself, and the other XXXX were issued to corporate owners. XXXX of the previous owners decided to decline any use of their issued card. Myself, and the other remaining cardholder were the only users of the XXXX. This account was a business account, not a personal account, and should not be on my personal credit report. Proper responsibility was taken on my behalf, and the issued account in my name was paid in full. 

However, information regarding the remaining associate 's account ( with their contact information ) was sent to XXXX and also the credit bureaus, to no avail. XXXX XXXX fell to bankrupcy, and failed to respond. The status of the credit card is listed as unknown. This was a business account and this damaging information has reflected within my personal credit report over the past eight years. I want the adverse information removed, as my issued corporate credit card was paid off. Therefore, I could use help to aleiviate these nocuous statements within my credit reports.
Product: Debt collection

I XXXX XXXX never enter any consumer credit transaction with IDEAL COLL for them to have obtain my personal information. Pursuant 15 usc 1692 ( a ) this is infringement upon my consumer 's right to privacy. By IDEAL COLL obtaining my personal information without my consent they have committed fraud and identity thief which I have attached my FTC complaint. IDEAL COLL furnishing this allege debt to my consumer report as if I owe something and now they have damage my reputation pursuant to 15 usc 1692d ( 1 ). Now I can not do business with anybody else due to IDEAL COLL reporting this allege debt to my consumer 's reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXXXXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank Account opened XX/XX/2013 per credit report is reporting a balance on a charged off account.
Product: Checking or savings account

I opened a business checking account at a Wesbanco branch on XX/XX/2020. When I was opening the account, I was presented with a bonus offer of up to {$250.00}. Of that {$150.00} was to be paid if I maintained an average balance of at least {$2500.00} for the first month. I did that and WAS PAID this {$150.00}. However, for the other {$100.00} of the offer, I had to do this as per the exact terms ( emphasis mine ) : Enroll in mobile banking and EITHER opening and activating a debit card AND completing 5 debit card purchases within 30 days of opening OR open a new business credit card within 30 days of opening I went with the first choice. I enrolled in mobile banking on my mobile ( using the app ) on or before XX/XX/2020. To make sure I actually used the mobile banking service also ( even though this was not required, only enrolling was ), I deposited two checks using mobile deposit to this account on XX/XX/2020 ( this actually conclusively proves that I did sign up for mobile banking ). I also made 5 debit card purchases online on XXXX, all on the same XXXX. So clearly I fulfilled the terms for the {$100.00} part of the bonus inside 30 days of opening the account. The bonus was to be paid within 7 business days after 90 days of account opening, and that timeframe just passed. I was duly paid the {$150.00} part of the bonus but not the {$100.00} part, even though I fulfilled the terms for both. Unfortunately, I couldn't reach out to the bank for a resolution due to the stay-at-home orders and restrictions on in-person banking.
Product: Debt collection

They call repeatly sometimes every hour. I have requested them to stop the calls. I am very sick and having XXXX problems. This has contnued for 60 days now. They call even on Sundays.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take time and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus XXXX XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX XXXX  since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Equifax : [ XXXX XXXX XXXX XXXX XXXXXXXX ]
Product: Checking or savings account

I called today XX/XX/2023 to report fraud on my account, after the call was verified was trasnfer to another department and the teller " XXXX '' denied me the right to report fraud on my account saying that first I need to send my passport and XXXX utility bill. 
Im not going to send any personal information through the fax. 
So first I need to claim agains the bank due denying my right to report fraudulent activity on my account violating the national law about this that allows me to report this triugh the phone, on person or by letter. 
Second need to open the claim agains the transactions made in XX/XX/XXXX and XX/XX/XXXX. 
I received a notification ( email ) on XX/XX/XXXX " suspicious activity '', so i press NOT AUTHORIZED. 
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  I did not authorized those transactions, I noticed that my car was lost when I get the email alert.
Product: Credit card or prepaid card

I have 2 issues One is pertaining to Bank of America closing my account without a valid reason and the other is pertaining to Bank of America refusing to issue my rewards money to me. 

On XX/XX/XXXX, Bank of America closed both my personal credit cards and my business card for irregular authorized user activity and refused to issue my rewards to me. They also refused to send me my statements to see the total amount of rewards. I had balances and they refused to apply my rewards towards the balances. I had one card since XX/XX/XXXX, and the other card since XX/XX/XXXX, and I had a stellar payment history. I attached the credit card agreement and closure letter for both personal cards and the account closure letter for the business card.
Product: Credit reporting or other personal consumer reports

dispute letters and called sent in to companies as well as credit bureau agencies
Product: Checking or savings account

XX/XX/2023 PNC Bank _________________ _________________, _________________ _________________ Re : Dispute of Bank Transaction ( s ) Dear Sir or Madam : I am the owner of account # _________________.

I am disputing the following transaction ( s ) that were charged fraudulently to my account without my authorization : Date Amount Merchant Name Bank Ref. # _________________ {$2000.00} _________________ _________________ I did not make or authorize these transaction ( s ) that appear on my account and I am the victim of identity theft. I have enclosed a copy of my monthly bank statement which lists the unauthorized transactions. Please adjust my account information to reflect that I have disputed this transaction ( s ), and remove this item ( s ) from my statement. 
The bank closed my account because if a fraudulent check and the check was a work check and I wasn't aware of it being fraudulent and after it was cashed it was told to be fraudulent Enclosed are copies of the following documents, evidencing the fraudulent activity : _________________ Please adjust my account information to reflect that I have disputed these transaction ( s ), and to remove these items from my statement, and send written confirmation that you have done so. 
Please contact me if you have any questions or need additional information. I can be contacted by phone at XXXX. 
Thank you for your prompt attention to this matter. 
This is a XXXX document. Page 1 of 2 Sincerely, ______________________________________
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of below accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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: Checking or savings account

I believe the promotion was in XXXX to make deposits totaling more than XXXX and I will receive a {$300.00} promotional bonus well I met all the requirements and XXXX and they told me that I will get my bonus in XXXX  it didn't come so didn't they said XXXX It didn't come then they said XXXX a didn't come then they said XXXX and is still not there and they can't give me any information On when I was received by {$300.00} they keep putting me off To file a dispute which will only delay me getting my money because I have done that already I met my end of the bargain so now it is time for them to pay my money which they want so I decided to contact the CFPB