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

on XX/XX/2022 a {$6000.00} fraudluent ACH debit charge hit my business checking account ending in XXXX by an unknown scammer/hacker and i waited until the charge " posted '' on XX/XX/2022 to dispute this as per bank of americas direction XXXX i also filled out an ACH fraud dispute form and emailed it on XX/XX/2022 as per bank of america 's further instruction. it is now XX/XX/2022 and bank of america is not providing me even a temporary credit for the amount that was stolen out of my business account. this is a lot of money for my XXXX XXXX XXXX  business and it causing much discomfort for my business operation. 

i am seeking assistance as everytime i call bank of america fraud department and provide them the claim XXXX XXXXXXXX they place me on hold for a minimum of 1 hour. i really need my business 's money returned. the charge is 100 % fraudlent and i did not approve of this nor do i know whom this scammer is that used my information to defraud my business.
Product: Mortgage

Mortgage originator sold my mortgage to U.S. Bank, I had already made my first payment to Mortgage XXXX, the originator, the next payment is due to US Bank, which I could not setup an electronic payment for the first payment, hence my need to send a check. Although payment is due on the XXXX it is not considered late until the XXXX. I mailed a check on the XXXX of XXXX and on the XXXX of XXXX I received a call from US Bank 's collection department looking for payment, a payment which was already sent! As I understand, the law states a creditor must provide a letter in writing if a customer is delinquent, as I have already made my payment and am still within the grace period why I am being harassed by collections? I suffer from XXXX and had a severe XXXX XXXX because of this call!
Product: Credit reporting, credit repair services, or other personal consumer reports

please review the following accounts that appear on my credit report, without any authorization, they are hurting me Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 

This has caused me to suffer and its defamtion of my character 1. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. Did not consent to authorized this inquiry XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
3. Did not consent to authorized this inquiry XXXX  XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. Did not consent to authorized this inquiry XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
5. Did not consent to authorized this inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
6. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
8. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX XXXX Account Number : XXXX Please investigate and remove from my credit report. 
10. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX  Account Number : XXXX Please investigate and remove from my credit report
Product: Checking or savings account

Wells Fargo and the Payroll Protection Program. When contacting the bank on Monday morning, I was told the funds had already been depleted. Apparently the bank was opened on " Sunday '' and the window was closed within hours. What bank does its business on a Sunday. This bank should have been dissolved as their practices are still questionable at best. If my business should survive this government mandated XXXX  process, I will be switching financial institutions.
Product: Debt collection

Consumer Financial Protection Bureau Complaint Department XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB Customer Service Team, I am a victim of ID theft. I am writing to file an immediate complaint with Consumer Financial Protection Bureau to assist me with rectifying the unauthorized account matter as follows. I tried to resolve the matter directly with Omega RMS LLC XXXX XXXX directly and I was not able to get their cooperation. As I discovered that, my personal information was used to open an account at Omega RMS LLC XXXX XXXX. I am certainly not aware and did not open or authorize this account, and I therefore request that it be closed immediately. I also requested that Omega RMS LLC XXXX XXXX absolve me of all charges on the account, and that take all appropriate steps to remove information about this account from my credit files. Im able to see this account being reported on the XXXX  Bureau Report which is enclosed. 

Enclosed is a copy of my Identity Theft Report filed with police dept., and a copy of my credit report showing the fraudulent account related to Omega RMS LLC XXXX XXXX that are the result of identity theft. Also enclosed is a copy of the Federal Trade Commission notice to furnishers of information, which details your responsibilities as an information furnisher to credit reporting companies ( CRCs ). As a furnisher, upon receipt of a consumers written request that encloses an identity theft report, where Omega RMS LLC XXXX XXXX are required to cease furnishing the information resulting from identity theft to any credit reporting company. 

The Notice also specifies responsibilities of when Omega RMS LLC XXXX XXXX receive notice from a CRC, under section 605B of the Fair Credit Reporting Act, that information Omega RMS LLC XXXX XXXX provided to the CRC may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRC and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please consider investigating this above matter, and assist me with unauthorized loan account with Omega RMS LLC XXXX XXXX. and absolve me of all charges. I hope to hear back from you soon regarding my above inquiry to close and permanently remove the unauthorized account shared above with Omega RMS LLC XXXX XXXX on all 3 credit bureau reports. Please reach me at XXXX for any further details. Thank you for your prompt consideration in the above matter and your assistance very much. 

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

Experian has all these wrong address that do n't match up and a bunch of the same address as one. 
Experian just likes putting a lot of false wrong information on some one credit report so they can sell your information over and over. 

There is none of these address : XXXX XXXX XXXX XXXX XXXX -- -- -- -- wrong no such unit XXXX XXXX XXXX XXXX -- -- -- -- -- -- wrong not my address nor is there one. 
XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- - wrong same building not my address nor has it ever belong to me. 
XXXX east XXXX XXXX XXXX -- -- -- -- -- - wrong no apartment number not me My address is XXXX East XXXX XXXX XXXX XXXX XXXX Pa XXXX stop making up information I 'm reporting this to The FTC as well
Product: Debt collection

AMERICAN EXPRESS CHARGED PENALTIES AND LATE FEES-AFTER DEBT WAS PAID. ACCOUNT WAS CLOSED. THE SMALL WINDOW OF A COUPLE DAYS HAD THEIR SYSTEM CHARGE A CLOSED ACCOUNT AND AFTER NOTIFICATION ADD ON A PENALTY, THEN IN SUBSEQUENT MONTHS CONTINUE TO CHARGE A LATE FEE-SEND IT FOR COLLECTION ; ALL AFTER THE MORE THAN $ XXXXWAS PAID AND RECEIVED BY AMEX. AFTER 45 YEARS WITH AMEX-THAT DID NOT MEAN ANYTHING. THE LANGUAGE BY CUSTOMER SERVICE WAS INTIMIDATING ; AND ATTEMPTS TO BARGAIN FOR EXTRA PAYMENTS MADE.
Product: Debt collection

I got letter saying XXXX XXXX was going to garnish my wages. Im single mom on welfare and I can not afford {$86.00}. Im fine with the garnishment but last time you took. {$10.00} pay out and I would be okay with that again. I am willing to pay my debt. I also was never notified about this until, my employer told me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry in my credit report that I would like to have removed. I didnt authorize for this loan and would like to get this hard I quietly removed.
Product: Checking or savings account

I had an incredibly frustrating experience with this bank 's dispute resolution process. It's baffling how they consistently decline every legitimate dispute I've placed, even when the claims are well-founded. What's even more suspicious is that the claims department seems to have a pattern of only approving claims of lower amounts, which raises serious concerns about fairness and ethics. To make matters worse, it appears that they don't bother investigating or reaching out to the merchant in some cases, which leaves me questioning the integrity of their entire claims process. It's disappointing to see a bank prioritize its own interests over providing genuine assistance to its customers.
Product: Debt collection

MRS BPO placed a false statement on my credit report that I had an account with XXXX. The account is in the name XXXX. This account was never authorized by me, I never ordered XXXX XXXX, and I owe them no money. I did NOT open an account in XX/XX/2022 as MRS BPO falsely represented. 

I disputed this with XXXX. XXXX contacted MRS BPO and advised them. MRS BPO falsely stated that they verified the debt. 

Pursuant to the Fair Debt Collection Practices Act, I dispute the debt with MRS BPO. The basis for the dispute is I never used the name XXXX, never applied for a XXXX account, never authorized any charges to XXXX, do not owe XXXX. MRS BPO needs to provide a copy of the agreement in question. 

Pursuant to the Fair Credit Reporting Act, the reporting of the account on XXXX, XXXX, and XXXX is not accurate. I never applied for an account with XXXX, never used the name XXXX, never incurred any charges, and do not owe XXXX for any reason.
Product: Checking or savings account

XX/XX/2020 at about XXXX I went to a Bank of America ATM to withdraw {$450.00} cash. The ATM said my transaction had been canceled and did not give me any of the money. I even took a picture of the ATM screen that i have attached here. 
I checked my bank account to find that {$450.00} has still shown being withdrawn. I immediately called and filed a dispute while still in the bank parking lot and they temporarily credited me {$450.00}. 
Today I received a letter saying the dispute was not resolved in my favor, and the {$450.00} temporary credit was being taken back away from me. I can clearly be seen on camera at the ATM not receiving my funds and theres XXXX reason the credit should be taken back from me when Im CLEARLY on camera not getting my cash!!!!! This is the second or third issue i have had with disputing something with this bank and Ive been with them 19 years. I will be closing my account and going elsewhere but in the mean time, someone should be notified of thier terrible service and withholding my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies show inquiries on my credit report without my knowledge or authorization:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

As of XX/XX/2021, a debt account was initiated in my name. I subsequently made a request for verification of said debt, inclusive of the original agreement, in order to ascertain the veracity of the original creditor and underlying debt amount exclusive of any ancillary charges. 

Regrettably, despite the request being lodged, I was not furnished with the aforementioned documentation. In light of this, and given the frequency and persistence of the debt collector 's communication attempts, I proceeded to engage a representative of the aforementioned entity and forcefully articulated my demand to cease and desist with the communications. 

Furthermore, I expressly communicated to said representative that I had previously solicited verification of the subject debt, but to no avail. As it stands, the entity has my correct contact information on record but has yet to provide me with the requisite documentation to validate my purported indebtedness. 

In sum, given the lack of evidence of the debt, the absence of due documentation to substantiate said debt, and the failure to meet legal deadlines with respect to furnishing requested documentation, I vehemently maintain that I do not owe the debt in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting a Reinvestigation of every Inquiry listed below because I did not authorize that my credit be run like this. This makes no sense to me at all! I want to know why these companies ran my credit report this many times, the way they did. This is definitely a violation of my rights In Accordance With the Fair Credit Reporting Act. These items could not have been reviewed or investigated correctly, look at how many times my credit was repeatedly run back to back! Incorrect Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is inaccurate reporting, which is a violation of my federally protected rights. I am really upset about this obvious oversite, and it seems as though someone is deliberately trying to ruin my credit. 15 USC 1681 section 602 A. States that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : States that the consumer reporting agency can not furnish an account without my written instructions. I never provided any kind of written instruction for my credit report to be run like this. Someone should have noticed these mistakes other than myself! I am really upset about this type of inaccurate and negligent reporting. 15 USC 1681c-2 ( A ) ( 5 ) States that no consumer reporting agency may make any consumer report containing any of these items of information. My authorizing any company to run my credit report like this is False. 15 USC 1681s2 ( 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. This is this is apathy to me. It's also plain to see that no consumer would give consent to run their credit back to back like this, knowingly ruining their credit, especially me. Someone should be held responsible for this and deletions done immediately.
Product: Credit reporting or other personal consumer reports

On the date XX/XX/2023 someone applied for a XXXX XXXX XXXX. I called the company they said someone did apply with my name and Social Security but the wrong address. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXXsomeone applied for a credit card. No action by me or the company XXXXXXXX XXXX XX/XX/2023 someone applied for a credit card No action by me or company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter ( attached ) to all three credit bureaus asking them to validate XXXX accounts on my credit report and to correct a duplicate account. 
30 days have passed and I have received no communication from any of the credit bureaus to acknowledge my dispute or to show that these accounts were researched and deleted for non-verification within the 30 day timeframe.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, Nc, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Metro 2 Compliance Investigation Request and Dispute of Inaccurate Account Information Dear XXXX, I am writing to formally dispute the accuracy of the following account information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account in question does not comply with the required Metro 2 reporting format, and I request a thorough investigation into its accuracy : Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Account charged off, balance of {$1300.00} written off Credit Limit : {$1000.00} Highest Balance : {$1300.00} Balance as of XX/XX/XXXX : {$1300.00} Upon reviewing my credit report, I believe this account information contains inaccuracies that need to be corrected under the Metro 2 format for accurate reporting. Specifically, I am challenging the following aspects of this accounts reporting : 1. Charged-Off Status : The status indicates a charge-off, but the information does not reflect whether the account has been verified under the correct Metro 2 guidelines , including correct data points like the Account Status and Payment History.

2. Balance Discrepancies : The balance has been written off as {$1300.00} but still reflects an outstanding balance. There appears to be inconsistency in how this has been reported under the " charged off '' and " written off '' statuses, which must be clearly stated and resolved.

3. Compliance with Metro 2 Standards : I request an investigation to confirm whether the reported data fields such as Account Status, Payment Rating, Payment History Profile, and Balance History are in full compliance with Metro 2 format, as required under FCRA and the Credit Reporting Resource Guide ( CRRG ).

I kindly request that you conduct a thorough investigation of this account and ensure all data fields comply with the Metro 2 format. If any inaccuracies or non-compliance with reporting standards are found, I request that the information be corrected or removed from my credit report.

I have attached a copy of my credit report with the disputed account highlighted for your reference.

Thank you for your prompt attention to this matter. I look forward to your response within the legally required 30-day timeframe. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed all the way back in the XX/XX/XXXX and have yet to receive any indication of my disputes being started. I feel like I'm being toyed with and ignored of my disputes. It's been over 45 days at this point and still nothing. If I'm not mistaken, if these inaccurate unverifiable items aren't investigated within 30 days they should be removed. I was also a victim of the XXXX  date breach. Please resolve this in a timely matter. I will be attaching my original disputes.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within XXXX hours stating the account is accurate, without providing ant evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a responsible investigation of disputes. Futhermore, XXXX actions may also contravene the Consumer Financial Protection Act ( XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. 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 card or prepaid card

On XX/XX/XXXX I paid off the {$8000.00} balance owed on our Alaska XXXX XXXX XXXX card. See attached statement documentation. 

I received a letter from Bank of America dated XX/XX/XXXX that they closed my account! 
The " reasons '' given were based one late payment on some of my other credit card accounts that I also have paid off or have paid at least {$7000.00} toward their balances - also on XX/XX/XXXX. 

Therefore the basis for their decision is moot. I 'm current with all of my creditors and mortgages. 
I have paid off 4 credit cards and my XXXX lease. Therefore taking what was considered high-utilization of credit lines down to 30 % or so. 

The last thing I expected was to have my account closed right after I paid off the balance. Especially not even receiving a phone call to discuss the situation. This is a horrible way to treat a customer who is paid in-full! 
I 've also lost my XXXX XXXX by them closing the account ... ..something that I paid for with each annual fee.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 
I want the CFPB to publish
Product: Money transfer, virtual currency, or money service

I am filling out a complaint against Cash App ( Block , Inc ). Due to inadequate customer service and unfair practices. Which violates the Consumer Financial Protection Act ( CFPR ). Specially, Cash App failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected.

Furthermore there dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss. And I seek appropriate redress for these violations.