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

I am so disappointed with Experian and XXXX ' process of reinvestigation. XXXX has already removed such invalid and inaccurate accounts back on XX/XX/XXXX, yet these XXXX consumer reporting agencies are still reporting the same information on my file. I sometimes come to think that these credit bureaus are not communicating with each other in terms of providing proper resolution to factually incorrect and inaccurate accounts.
Product: Mortgage

When my husband passed away years ago he always handled our finances. When I met my new husband he started to check on our finances and was shocked to discover we owed {$12000.00} in back property taxes from XXXX through XXXX for XXXX County XXXX.. We paid them on XX/XX/XXXX during the COVID pandemic and spent six months trying to find my late husband 's records to see why Bank of America had not paid these out of our escrow payments. 

Then in XXXX of this year, we sold the house and were told prior to closing we owed an ADDITIONAL {$11000.00} in property taxes for the same period to XXXX County. After this shock, we stopped by a branch to get the missing payment records. The mortgage had since been sold to XXXX XXXX  in XXXX (? ) and they had paid the taxes promptly ever since. 

We formally requested Bank of America, by phone, XXXX for all the records covering the mortgage since XXXX when we first bought the property. We called on XX/XX/XXXX and again on XX/XX/XXXX and both times received spotty records that did NOT cover the years XXXX through XXXX. 

We are requesting you to find out what happened to the escrow accounts and where the money went? Who is responsible for the interest and penalties?
Product: Credit reporting or other personal consumer reports

I originated a business loan with XXXX XXXX XXXX under my business name in XXXX and signed as a personal guarantor. I originated multiple business loans ( XXXX ) from XXXX to XXXX, and was never late on any of my business loans, which never appeared on my personal credit. BSI financial was the service provider for XXXXXXXX XXXX XXXXXXXX and my account was setup to auto draft payments monthly. XXXX went out of business around XX/XX/XXXX and was purchased by a new company at the same time my loan was up for maturity. Due to maturity, XXXX XXXX removed my account from auto draft and would not accept any payments on the account while the loan was under renewal/extension with the new company. My drafted checking account had over {$200000.00}, so why would I risk my personal credit and not pay $ XXXX. XXXX ended up extending the loan, but XXXX added the business account to my personal credit file 5 months later and recorded 3 late payments to my account and accepted my late payments which they refused in the previous months. My credit rep at XXXX stated they would removed the late because he was familiar with the case and knew it was an isolated incident. BSI has refused to remove the inaccuracies. I provided letters stating they removed my account from auto debits, bank statements from the auto draft checking account. This error has caused me denial with other business loans and has affected my credit score over XXXX points.
Product: Credit card or prepaid card

A credit card account was opened with Bank of America without my consent. I never applied for a credit card. This has not been removed from my credit history.
Product: Credit reporting or other personal consumer reports

I have a charge off due to reckless driver hitting my car and me getting scammed into buying fake insurance which ended up not being real insurance and at that time the car accident happened shortly after that which was this XX/XX/XXXX to be exact I was not at fault, but dont have the money due to being out of work And getting fired because of this now my car is at a charge off and I need some type of help getting this figured out either way boosting my credit score up or getting the remaining balance. Majority knocked off my credit score so I can go about financing a new Vehicle and then other stuff on my account that shouldve been wiped off or removed but it has not
Product: Credit card or prepaid card

My Capital one bill was due on the XXXX of XXXX. I paid my bill on the XXXX using my XXXX XXXX XXXX account. I spoke with a Capital One representative on the XXXX when I noticed they had sent an email stating I still owed money when I just paid them a the full amount the day before which was XXXX when my bill was only XXXXUpon speaking with the rep from capital one she said it was because I was a first time card holder and it was the first time paying my bill they had to call my bank and verify if the funds where actually available. On a conference call with the rep from Capital One and myself, the rep from Capital One called XXXX XXXX  verified the funds where available only to tell me that the account was none transferable and I had to wait 7 days for the money to be returned and pay it using the checking account instead of the savings account I previously used which was the same XXXX XXXX  account. Last Thursday I was notified by email that the balance was cleared I then called Capital One to pay my bill which I did only to find out that my account had been closed. The refuse to allow me to reopen my account and they have impacted my credit score when I paid my bill on the XXXX of XXXX when technically it wasn't due until the XXXX of XXXX. Now that the account is closed they are still telling me I owe them XXXX.
Product: Debt collection

Jefferson & Associates XXXX call me, my family, & employer several times a day. I have asked them to stop. They refuse. I have asked them to send me documentation showing my debt. They refuse. They have even disclosed this situation with my employer. My employer has asked them to stop. They reuse.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$730.00} Charged Off XXXX XXXXXXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Date Opened XX/XX/XXXX Balance : {$520.00} Collection XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened XX/XX/XXXX Balance : {$480.00} Collection XXXX Account Number XXXX XXXX Date XX/XX/XXXX Balance : {$0.00} Charged Off XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$970.00} Collection Inquiries in Dispute : XXXXDate of XXXX XXXX, XXXX XXXXXXXX XXXXXXXXDate of inquiry XXXX XXXX XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX Late/Open Accounts NOT Included in Dispute : XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$6.00} XXXX XXXX - XXXX  Account Number XXXX Open XX/XX/XXXX Balance : {$0.00} Late/Open
Product: Checking or savings account

XX/XX/21 A BANK TRANFER FROM XXXX SAVING TO WELLS FARGO EVERYDAY CHECKING. AMOUNT {$300.00}. - XXXX XXXX XXXX # XXXX TO WELLS FARGO XXXX - APPL.REF # XXXX FOR NEW ACC OPEN AT WELLS FARGO - AS OF TODAY,XXXX, WELLS FARGO HAS NOT RECEIVED {$300.00} FROM XXXX SAVINGS ACC!!! XXXX TRACE # XXXX
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 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 financial for these violations
Product: Credit reporting or other personal consumer reports

This CFBP complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C. & 1681c-2 ) that you, the XXXX, XXXX, and Experian credit reporting agency, block information appearing on my consumer credit report that is the results of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent,, inaccurate, and false information consist of a personal credit cad account opened at XXXX XXXX XXXX with a charge of balance of {$420.00}, an auto loan account opened at XXXX XXXX XXXX XXXX with a charge amount of {$14000.00}. These accounts have resulted on several fraudulent hard inquiries and fraudulent collections appearing on my consul, er FICO credit report. The aforementioned accounts, collections appearing on my consumer credit report maintained by were not opened, made or initiated by me. All of the aforementioned accounts and collections are the results of identity theft and fraud. I have attached a copy of FTC identify Theft Criminal Complaints as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts and collections are the results of identity theft and fraud.
Product: Credit card or prepaid card

ION XX/XX/XXXX  I RECIEVED AN EMAIL FROM PRE-PAID BANK OF AMERICA CONFIRMING THAT I AUTHORIZED A PIN CODE CHANGE TO MY EDD DEBIT CARD. IT HAS BEEN OVER 14 MONTHS SINCE I HAVE SEEN OR USED MY BANK OF AMERICA EDD CARD. I ASKED BANK OF AMERICA EDD *WHY WOULD BANK OF AMERICA PUT XXXX ON A CARD THAT HAS NOT BEEN USED IN OVER 14 MONTHS *HOW WAS THE CARD AUTHORIZED TO MOVE OVER XXXX TO A XXXX XXXX ACCOUNT THAT DOES NOT MATCH MY NAME NOR ADDRESS * BANK OF AMERICA DID NOT RESPOND TO ANY OF MY QUESTIONS. I NEVER RECIEVED ANY COMMUNICATION REGARDING THE STATUS OF MY CLAIM SO I CALLED BANK OF AMERICA ON XX/XX/XXXX  TO CHECK THE STATUS OF MY CLAIM AND I WAS INFORMED THAT MY CLAIM WAS DENIED... 
* THEY HAVE NOT PROVIDED ME WITH ANY REASON OR HOW ARE THEY CONVINCED THESE ARE MY CHARGES THAT I MADE. 

THE EMAIL REGARDING MY PIN CHANGED WAS SENT ON THE XXXX  OF XX/XX/XXXX  HOWEVER I DIDENT ACTUALLY CHECK MY EMAIL UNTILL THAT NIGHT OF XX/XX/. AND THE FRAUD CHARGES HAD ALREADY HAPPEN. I HAVE FILLED A CLAIM WITH BANK OF AMERICA AND WOULD LIKE TO PURSUE INVESTIGATION INTO WHO PLACED THESE CHARGES. MAYBE A IP ADDRESS OR VIDEO FOOTAGE FROM XXXX XXXX XXXX MIGHT HELP FIND WHO HAS DONE THIS TO ME THE FOLLOWING CHARGES WERE UNAUTHORIZED AND FRADULENT CHARGES XX/XX/XXXX  XXXX XXXX XXXXXXXX {$5000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$5000.00} XX/XX/XXXX  XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX  XXXX {$150.00} XX/XX/XXXX  XXXX {$270.00} XX/XX/XXXX  XXXX {$220.00} XX/XX/XXXX  XXXX {$130.00} XX/XX/2023 XXXX {$200.00} XX/XX/2023 XXXX {$280.00} XX/XX/20XXXX XXXXBILL PAYMENT {$860.00} ACCOUNT ENDING IN XXXX FRAUDULENT TRANSACTIONS 11 TOTAL FRAUDULENT CHARGES {$13000.00} XXXX XXXX  TRANSFER PRE PAID BANK OF AMERICA CLAIM NUMBER XXXX have reached out to bank of america pre paid and filled a claim and recieved confirmation of claim on XX/XX/.
Product: Mortgage

My loan was acquired by NewRez in XXXX of XXXX. They have not paid my property taxes and they were due in XX/XX/XXXX. I keep calling but get conflicting information. Some cust. serv. reps say it has been escalated ... some others say the payment has been paid ... now I am being told to write a letter and that there are no managers with whom to speak. At times I get hung up on ( happened twice ). 

I've confirmed with the City of XXXX that payment has not been received as of today, XX/XX/XXXX. They are going to auction off my property if it is not paid by XX/XX/XXXX. I have a tenant with small children and NewRez refuses to help me now.
Product: Credit card or prepaid card

I applied and was approved for a USAA card and a card was supposed to be mailed to me within 10 business days. When I did not receive the card within that time I called USAA and they told me that the card had been activated and used to make over {$9000.00} in charges at XXXX, XXXX XXXX, and a vending machine. I disputed these charges and the XXXX and vending machine charge were removed. USAA determined that the remaining {$4000.00} did not have sufficient evidence of fraud despite my assertion that I did not make these charges and evidence I provided to back up the claim. The person who activated the card used a phone number that appears on my credit report, but is a fake number that I have never used and no telephone company has any record of being in service. They supplied personally identifying information, which I believe to have been obtained through a data breach at XXXX and possibly USAA itself. Apparently the receipt at XXXX XXXX has my named typed onto it and the vendor is saying that someone would have had to show an ID in order to make the purchase.
Product: Credit card or prepaid card

On   XXXX   XXXX  , I submitted a credit card application for a Capital One Venture credit card.
I have high  XXXX  credit score on all  XXXX  credit reporting agencies. I have never missed a payment. I have always paid on time, before my payment was due and never have used more than 1-2 % of my available credit. I have zero debt and my income is over $ 75k/Year.
I 've had a Capital One secured credit card for 3 years now and am wanting to upgrade to the Venture card because of my job and traveling a lot. I could use the benefits.
I was denied the credit card and when i asked for an explanation no one would tell me and said they could not connect me with anyone higher up that could tell me why i was denied. I feel as if they are discriminating because of my age. I was laughed at over the phone when i tried asking for someone in the executive office.
I am shocked at Capital One. I have been a loyal customer that has NEVER had any negative report on my credit. I am trying to stay with Capital One, but if this ca n't be worked out i will be going to   XXXX   since they pre-approved me for the  XXXX  Card.
Product: Money transfer, virtual currency, or money service

Tonight I had left my phone at a gas station near my home called XXXX XXXX. I accidentally left it in the aisle I was shopping in! I didnt notice I had even left my phone there for hours, once I started to look for my phone I looked EVERYWHERE and couldnt think of where it could be. Finally I realized I could have left it at the gas station, so I went there and I traced all my steps and found my phone in the XXXX on the thing that holds the chips. Anyways someone got into my phone and sent all my money but XXXX to someone I do not know! That was my babysitting money I earned XXXX! All the money I will have all week and weekend long. Cash app dont ever give refunds to anyone bc I got scammed XXXX time and they refused my refund. But this time someone sent money from my phone to someone I do not know. I dont know what to do about this situation but it has me sick to my stomach! Also I noticed when they sent the money to that person in the notes section is has my FIRST and LAST name! So now the stranger even knows my real name! Please help me get my money back. Please.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Transunion are reporting inaccurate credit utilization on my credit report. Currently XXXX XXXX XXXX  is involved in a Class Action Lawsuit for deceptive banking and credit practices. I have been significantly affected by these practices. Due to these inaccuracies, I have been financially impacted. I have recently been denied funding and XXXX XXXX XXXX  themselves have denied me a credit increase due to the inaccuracies being reported. I demand I be reimbursed {$29.00} for an invalid returned payment fee and {$1000.00} settlement from Transunion and XXXX XXXX XXXX  for damaging my financial reputation. Attached to this complaint will be a copy of my ID, FTC report, dispute letter and screenshots of the inaccuracies.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 in 60 days to be removed.

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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In ACCORDANCE with the Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my instructions.

The account below is in violation! 

XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2021 This one is unauthorized user! 


XXXX XXXX XXXX XXXX  Date opened XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report obtained from your agency, I noticed multiple late payment notations on my credit file. The reported late payments are incorrectly reflecting on my credit history and are adversely affecting my creditworthiness and financial opportunities. In accordance with the Fair Credit Reporting Act : 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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

15 U.S.C 1681b ( 1 ) the credit bureaus dont have no written permission.

15 U.S.C 1681 section 2 states 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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting Act. The List Accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX These companies have violated my right to privacy. 

15. U.S.C. 1681 section 602 A : states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person or agency shall not furnish any information relating to a consumer to any consumer reporting agency especially if the person knows or has reason to believe that the information is inaccurate.