23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Bank of America XXXX an estate account for my uncle, XXXX XXXX XXXX 's estate and allowed funds to be embezzled from the estate. They did not check the probate documents for the estate in XXXX, XXXX XXXX XXXX XXXX the estate account and then when XXXX wires were wired into the estate account from an illegal sale of real property in Maryland XXXX she withdrew the funds, even though the court order stated she could not collect estate funds over {$25000.00} and needed original certificates to obtain the funds under {$25000.00}. Due to Bank of America 's failure to do their due diligence, the estate funds over {$700000.00}, were fraudulently embezzled, making them accessory to fraud and embezzlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

The company is breaking the law by failing to provide proper validation details as rerquested under 156SC 16828. Despite this they have added a collection to my credit report.I have already tried to resolve this issue directly with them but they continue to violate my rights. For each violation I am entitled to {$1000.00} that they must either compensate me or remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car with XXXX XXXX in 2013. I was incorrectly instructed by the dealership XXXX of XXXX XXXX to let XXXX XXXX  repossess my vehicle because it no longer worked and the dealership would not accept the negative equity on a new car loan. For two years XXXX XXXX  refused to repossess the vehicle. I informed them that i was a student and could not afford the payments. They told me it was my responsibility to do so and that they would not take the car because it was worth less than the loan. The loan has remained on my credit since then. The status on my credit reports say charged off. However they report monthly that my payment is late. This is fraudulent. I have tried to call them and they forward me to collection department. But they will not update there reporting. If the account is not in collections. Why are you trying to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up myself, mother and my father back in XXXX of 2021. XXXX the agent who signed us up decided he to use the same credit card to pay his cell phone bill. Speaking with the agent he stated he worked for XXXX XXXX which he was terminated for using a customer credit card to pay his personal bill and was charge and arrested for credit card fraud/abuse. Mr. XXXX XXXX shouldn't be working with credit cards! Therefore I cancelled my services with the company.
Product: Credit reporting or other personal consumer reports

I have been disputing this bankruptcy # XXXX since 2021 I sent numerous disputes and they still have not removed it off my credit report. This bankruptcy does not belong to me and this bankruptcy is not in my name. My name is XXXX XXXX and the bankruptcy is under the name XXXX XXXX which is proof it doesn't belong to me. XXXX and XXXX have removed this bankruptcy off my credit and Transunion is suppose to remove it as well. It is fraudlent and Transunion is violating my rights under the fair credit act code 15 USC 1692 a ( 4 ) and 18 USC 1028 ( A ) I want them to remove it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score keeps dropping very frequently on my trans union credit score. I been working hard on my credit score with  transunion to no avail. Im am not qualifying for any higher limit credit cards as a result of my continuously lowering credit scores. I monitor my credit scores on XXXX XXXX and on XXXX XXXX. Both show transunion scores. I have gotten a new higher limit credit card a few months ago and my credit utilization is pretty low right now. But yet I have not seen any increase in my credit score even with a lower credit card utilization rate. But yet my credit score keeps getting lower and lower. This is having an impact on my ability to qualify for higher limit credit cards. Im wondering if this issue can be looked into as I work so hard on my credit score only to see it continue to go down in the dumps. Thanks for your help.
Product: Credit reporting or other personal consumer reports

Kindly remove the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts and am unfamiliar with their origins. As per XXXX XXXX, I am requesting their removal within XXXX days. Please find the enclosed documents for reference. Furthermore, there are inconsistencies in account details across the bureaus.
Product: Checking or savings account

I received an email stating USAA was offering a {$200.00} account opening bonus. The offer was stated to expire on XX/XX/year> and the account was applied for on XX/XX/year>.. USAA sent multiple requests for identification and/or other documentation. All requests were responded to with the requested documentation within XXXX hours. It turned out that USAA did not update the correct contact information when they were instructed to do so prior to this interaction. Due to their own failure to update legal contact information, USAA did not officially open the account until after the offer expiration date. USAA stated they would not issue the account opening bonus due to the " promotion expiration. '' However, the delay was not due to my error in any way. USAA needs to honor the account opening bonus payment as I met the terms of the offer by my application prior to the expiration date and meeting of the other required criterion.
Product: Debt collection

I moved out from XXXX XXXX XXXX XXXX near XXXX, XXXX in XX/XX/year>. My lease was not up until XXXX. I had remained current on my rent throughout the pandemic, but needed to move due to financial circumstances. Even though XXXX XXXX ( XXXX owned property ) rented my unit immediately for more rent than I was paying, they wanted me to pay an early termination charge. Oregon law protect tenants in most cases if the landlord rents the unit and does not suffer loss. They also withheld my security deposit and charged cleaning fees, which Oregon law prohibits. I was discussing this with XXXX XXXX and XXXX. They stopped communicating with me. I never received a bill from XXXX XXXX, only a statement of charges that was being disputed. The statement did not read as a bill and had no due date on it. I received no bill or demand of payment. The account was sent to XXXXXXXX XXXX, who never contact me or sent me a bill. I believed the issue had been resolved. It turns out the XXXXXXXX XXXX  sent the alleged debt to Genesis Credit Management who held the alleged debt for a year, before sending it to their own collection agency, Columbia Debt Recover. Genesis never contacted me or sent me a bill. Columbia also never contacted me to advise me of the alleged debt. I only discovered this from my credit report recently. My credit is affected by late payments and a collection on an alleged debt that I didn't know about. The three companies involved are XXXX XXXX , Genesis Credit Management, and Columbia Debt Recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken out several loans with this creditor, Possible Finance, and they have helped me out in many ways. However, this account in particular raises more questions than answers : for one, there isn't any data reporting in the payment history section ; there are only five payments reporting in the amount of {$81.00}. The money payment on this account isn't {$81.00} ; it's actually {$37.00}. Another error on this account is that it shows a payment was made in XX/XX/2021, but there is no amount reported on the payment history. If a payment was made on XX/XX/2021, that would mean that the XXXX balance will be lowed ; however, it's the exact same balance as XXXX, which was {$150.00}. Since I am unable to speak with the representative on the phone, I have emails of a representative and myself having a conversation, per this account. That's not been paid off. I asked the representative to provide me with a statement of all transactions made towards this loan. She stated that there isn't a document that she could provide. But she did provide some information, and if XXXX was in a document, it was typed information, and that information will be attached to this complaint. The representative also stated that multiple payments failed, and I asked for a copy of that, which she has not provided me with.
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 XXXX 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.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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 XXXX 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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I would like to dispute these inaccurate accounts on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block Inc. ) due to an adequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CSPA ). 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 Electric 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 card or prepaid card

I am a credit account holder with Bank of America Visa. On or about XX/XX/2022, I received partial notification from Bank of America ( via email and website ) of a series of fraudulent charges on my Visa credit account. I immediately went to the Bank of America website, saw a series of series of fraudulent charges, and, in an interactive menu, checked each of them as fraudulent. Bank of America, via the website, did not acknowledge my entry. I attempted again and again to deny these charges, however there seemed to be no acknowledgement ( some, though not all, were declined by Bank of America ). I could not even view any further charges since the website had then locked down my regular account page. It seemed it was stuck in an endless cycle on the confirm these charges question. I underwent a similar process on a Bank of America phone app, also to no avail. 


I can not even verify the names and dates because I can no longer view them on my account. I later noticed even further charges totalling over {$400.00}, which are fraudulent and were not authorized by me. Using the website, I again hit a roadblock each time I attempted to dispute the charges. 

I also attempted to contact Bank of America by telephone at various times after this, at XXXX XXXX XXXX, with no actual contact and no success. 

As to the business practices of Bank of America, I am extremely concerned by the refusal to acknowledge my clear notifications of these fraudulent charges. 
I was assured by the website that my card would be cancelled and replaced due to the fraud charges and could no longer be used. This did not happen. Please understand, as this was all on website and I was not able to capture it, I have no way of proving these actions did occur. 

Bank of Americas questionable credit practices place the account holder in an impossible position, since he will be concerned about additional fraudulent charges and yet unable to : 1 ) dispute them on the website, 2 ) shut off the card, or 3 ) close the account, since these options are unavailable and he can not even reach Bank of America by telephone. This is an absurd and unreasonable position. The charges continued running up nonstop with no end in sight. I was ultimately forced to take the action of sending a letter via the Postal Service.
Product: Credit reporting or other personal consumer reports

Subject : Intent to File Lawsuit for Violation of Rights under the Fair Credit Reporting Act Dear Credit Bureau I am writing to formally notify you of my intent to file a lawsuit against this Credit Bureau for violations of my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year> I submitted a request through the Consumer Financial Protection Bureau ( CFPB ) website, asking for the method of verification for an account that is inaccurately being reported on my credit report. As per the FCRA, you are required to provide this information within 15 days of receiving such a request. However, more than 30 days have passed, and I have not received any response or the requested information from your company. 

Your failure to comply with the FCRA not only impacts my credit report but also causes unnecessary stress and harm. The law is clear on your obligations, and your lack of response is a direct violation of my rights under federal law. 

The Fair Credit Reporting Act clearly states that if the credit bureau is unable to provide the Method Of Verification within 15 days of the request been made and received then the account must be deleted from the Consumer 's account. A failure on the part of the credit bureau to follow the law is a violation of my rights under the Fair Credit Reporting Act for which I may claim damages. The account in question that the method of verification was requested is that of a account listed on my credit report as Conserve. I list below a copy of the Fair Credit Reporting Act as it pertains to the method of verification request.

FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) : This section requires that if a consumer disputes the accuracy of information in their credit report, the credit reporting agency ( CRA ) must reinvestigate the matter. Upon completion of the reinvestigation, the CRA is required to provide the consumer with a written notice of the results, which should include a statement that the reinvestigation is complete and a description of the procedure used to determine the accuracy and completeness of the information. This must be done within 30 days of receiving the dispute.

2. FCRA Section 611 ( a ) ( 7 ) : This section provides that if the consumer requests, the CRA must provide the consumer with a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information.

Penalties for Violations : The penalties for violating the FCRA can include actual damages, statutory damages ranging from {$100.00} to {$1000.00} per violation, and punitive damages in cases of willful non-compliance. Consumers may also recover attorney 's fees and court costs. In cases of negligent non-compliance, the consumer can recover any actual damages sustained. 

I urge you to take this matter seriously and resolve it promptly. 

Sincerely, XXXX XXXX
Product: Student loan

Navient took XXXX payments from my bank account without my authorization. Since then, they have continued to try to charge me XXXX my monthly payment and threaten me by saying they will raise my interest rate. In conclusion, they are bullying me into paying too much on my monthly payments as well as causing overdraft fees at my bank without my authorization and threatening me
Product: Mortgage

I was trying to get them to help me to save my house from foreclosures and they told that they will help me save my house I try to make a payment for past due when it was {$5000.00} they kept getting me the runaround
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my Contemporary Information Corp. consumer report. I have NEVER lived at this address XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX or ever heard of XXXX XXXX XXXX and XXXX XXXX. 
Primary Repository Housing Court Record IN Question : XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX or ever heard of XXXX XXXX XXXX and XXXX XXXX 
I don't recognize the following account in question. Im a victim of identity theft and I don't recognize this Primary Repository Housing Court Record on my report. I'm requesting the following information be deleted from my Contemporary Information Corp. report immediately! I have notified ( FTC ). Ive attached a copy of the report to this request..
Product: Credit reporting or other personal consumer reports

I have been in the XXXX XXXX XXXX XXXX XXXX XXXX. Understanding the dynamic of how our XXXX is used has been on my mind for years. Particularly during incidents where companies have data breaches. For extra security, on XX/XX/year> I opted for a PERMANENT OPT-OUT ELECTION FORM. Recently my husband applied for a VA XXXX loan and the amount of marketing and solicitation calls was beyond overwhelming for myself personally. How could all these people have my information if I opted out. In trying to figure out how my information was distributed, I received from my current lender XXXX, resulted in me understanding my information was still being sold by the credit reporting agencies. This is very disheartening because many companies have global means to distribute my information without me having any recourse.