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

I received an email that my address had been changed, so I logged into my bank of america app to see that a checking account was opened up in my name, which I didn't authorize. They closed the account. The next day the same checking account, with the same account number was added back to my account. I called in again to tell them I didn't authorize it. They closed the account again. Then informed that they had to close my account ( after 35+ years of banking with them ) and that i would receive a check in the mail in 7-10 days. I asked if I could go into a bank to get my money, the answer was no. 
My funds were frozen and no one got access to them! I still have not gotten a check! It's been a month, I am behind on my bills. I had bills on auto pay bouncing. My mortgage was late. I have reached out to the SEVERAL times, the fraud department will NOT release my money!! I am desperate for my money!! They can't ruin someone's lively hood like this! They put me in debt!! And are ruining my credit!! Please help!
Product: Debt collection

I recently paid off an account reporting in my credit report. I have since tried to get my credit report updated to remove the item or report the item as satisfied or paid. I submitted a dispute with Experian twice providing documentation with receipts showing the debt has been paid in full but both requests were closed stating no updates were made.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report & noticed fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

background check has information that was not system generated but a report that made up out of a different country of which I never lived and is being used to make the decision process to obtain an apartment or home. This information is not accurate at all and I am being denied without recourse because Transunion " XXXX XXXX XXXX is actual in XXXX and not the United States. I have'nt been able to remove this information because I do not live there and never have but it is coming up here in the United States XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Product: Credit card or prepaid card

Hello- On XX/XX/2020 I took my dog in to XXXX XXXX XXXX XXXX XXXX XXXX. When I went to pay, I sent a {$400.00} payment to them over Care Credits site. I had to do this as I could not give them a card due to covid and the desk person did not want to initiate payment on their end to ensure accuracy. On the site, they were listed twice but all the information was correct, so I chose one of the options thinking there was no difference. After about XXXX minutes, the desk person called me and said they hadnt received my payment. I told them I made the payment and emailed a screen shot. They said the payment went to their OLD account before they merged with another vet clinic and that I needed to pay them another {$400.00}! I called care credit immediately and tried to get them to drop the charge. They said that as long as the payment is not claimed by the clinic, it would drop off. It never did! 
On XX/XX/XXXX, I called the vet clinic as care credit had not credited the money back despite several calls about the issue. I waited a week for them to call me back. On XX/XX/XXXX, I worked with a staff member named XXXX. She worked with a supervisor and the corporate office to contact care credit and inform them that the {$400.00} charge was a duplicate and needed to be dropped. The corporate office kept records of the old account number and called and specifically named the account. On XX/XX/XXXX, I got a call from the Vet office saying that care credit emailed them back saying they are looking into the charge and will be crediting it back. 
It is now XX/XX/XXXX. 60 days later and they have either resolved or credited back the charges. There has been no provisional credit given within 10 days. 
I feel they are waiting until the full 120 days and will deny my claim and keep the money for themselves!
Product: Mortgage

2nd try - Rushmore LM does not know how to properly service negative amortization loans.

I am only allowed to pay the minimum payment on line - not even the statement shows the negative amortization payment amount.

I have to call and spend 30 to 45 minutes with them every month to make my payment because they are not equipped to handle the payment online or by mail.

Companies like this should not be allowed to handle loans they are not suited for.

I understand the loans can be moved however it should be mandated that the new company knows how to service the type of loan the consumer has.

Rushmore LM does not allow me to execute the options of my negative amortization loan. They only allow the minimum payment. This is NOT acceptable
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize these accounts and can not verify that these was done by me I Was currently staying with relatives and I believe my information has been obtained
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

I was offered a Capitol one credit card. At the time I had XXXX auto loans and XXXX credit card already with Capitol one. There had been issues with them refusing to submit the lean contract for one of my cars to my state revenue office. This resulting in a title suspension which lasted two years. After numerous attempts to resolve the issue with Capitol one I finally got it resolved without their assistance ( they kept telling the state of arkansas that there was no lien in the car ) I had decided not to use Capitol one ever again but they offered me {$250.00} rewards for spending $ XXXX in a interest free quick silver card and I decided to do it to at least receive some compensation for all of my hastle. Once I spent around {$900.00} they hit my credit card with a fraud alert. 

When I contacted them they initially told me there was a fear of identity theft ( despite no suspicious purchases and despite them forcing me to link all XXXX of my accounts together ) then they told me that there was fear I wasnt authorized to use my checking account to make payments ( though I hadnt yet made the first payment and despite them acknowledging the fact that both auto loans and the first credit card were paid out of the same checking account ) finally they told me there was an issue and that they had to verify who I am and proof of income. ( Despite them acknowledging they had both my DL and my SS card on file ) when I offered to comply with their demands of proof of identity and offered them proof of income through pay stubs they refused to take the offered proof and advised me that they required all my bank statements for three months including purchase history to see how I spend my money. At no point in prior business dealings have I ever been asked to show how I spend my money. There has been zero issues of suspicious spending to the best of my knowledge and the only late payment Ive had in 2.5 years and XXXX accounts was when they messed up and got the title to my car suspended and suddenly they claim my payment wasnt going through ( despite my other car payment going through just fine in the sane day and both payments being made early ). 

Since complaining about them getting the title to my car suspended I have had them fail to accept one car payment, Ive had them fraudulently promise {$250.00} in cash back rewards only to have them stop the card before i can spend the required amount, and ive had both of my credit card accounts suspended with ridiculous requirements of proof of spending which forced me to close the accounts. at which time they not only didnt let me collect the {$250.00} cash back from the new account which i would have been entitled to if they hadnt fraudulently froze my account, they also kept the cash back rewards for my first credit card account. 

coincidentally, although theyre partially claiming that they suspect im not authorized to make payments out of my checking account, they continue to take payments from that same account. at this time i believe im also being denied the interest free for a year associated with my credit cards
Product: Credit reporting, credit repair services, or other personal consumer reports

An XXXX account, XXXX, for which I was an authorized user on is inaccurately reporting on my credit report and violates my consumer rights per the following information : There are a few inconsistencies between the three credit bureaus in the account information provided. The most significant inconsistency is that the account is reported as closed on XXXX and open on Experian. This violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ), which requires that credit bureaus report accurate information about the status of an account. 

Additionally, there is a discrepancy in the reported high credit between XXXX and XXXX. XXXX reports a high credit of {$0.00}, while XXXX reports a high credit of {$7100.00}. This inconsistency violates FCRA Section 607 ( b ), which requires credit bureaus to report complete and accurate information. 

Finally, the reported date of last activity and date of last payment also differ between XXXX and Experian. XXXX reports a last active date of XX/XX/, while Experian reports a last active date of XX/XX/. Similarly, XXXX reports no date of last payment, while Experian has no data on the date of last payment. These inconsistencies violate FCRA Section 623 ( a ) ( 1 ), which requires credit bureaus to report complete and accurate information about a consumer 's credit history and can harm the consumers ability to obtain lending.
Product: Credit reporting or other personal consumer reports

I have notified all 3 credit bureaus multiple time on the reporting of an alleged bankruptcy on my personal credit reports. 
In these letters. I provided a notarized Affidavit filed with the bankruptcy court in the state of Florida notifying them of their violation of state and federal law by providing my private information. 
I also provided a letter from the courts stating that they do not provide any filings to credit agencies. 
I also provided a testimony that I had not authorized or given consent to anyone to access my private and confidential records. 
Since these agencies did not receive this information from the courts and I myself have never given these agencies permission to report any of my personal and confidential information I demand that the alleged bankruptcy be removed from all credit reports. 
Pursuant to the Congressional Findings and Statement of Purpose of the Fair Credit Reporting Act, 15 U.S.C. 1681 a,4, Congress states that there is a need to report that credit reporting agencies exercise there grave responsibility to fairness, impartiality, and respect for the consumer 's rights to privacy.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to XXXX XXXX. The dispute items do not belong to me. Im attaching the required XXXX XXXX for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am submitting a formal complaint against Equifax for their failure to conduct a proper investigation into my disputes regarding inaccuracies in my credit report. Despite my repeated submissions, Equifax consistently responds within 24 hours, asserting that the account is accurate without providing any evidence of a thorough investigation. 

This practice is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires a reasonable investigation of disputes raised by consumers. Additionally, Equifax 's actions may also infringe upon the Consumer Financial Protection Act ( CFPA ), as outlined in 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This concern has been emphasized in the recent administrative proceedings by the Consumer Financial Protection Bureau ( CFPB ) .I urge the CFPB to publish this complaint so that others may learn from my experience and understand their rights regarding credit report disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this inaccurate information on XX/XX/XXXX and reached out to the following companies for assistance VIA TELEPHONE and still this has NOT been resolved I provided TRANSUNION information explaining that I am a victim of identity theft and let them know this action items where UNAUTHORIZED and not a result of my doings ( SEE POLICE REPORT - FOR THEFT ATTACHED ) In my dispute I asked that an employer AND unknown hard inquires be removed as they are damaging my reputation and character PER, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

**** Transunion is in violation, as I have stated and was willing and to provide documentation that these hard inquired are inaccurate! I have explained that this false reporting is unfair, and affecting the privacy of my information. 

PER, 15 U.S.C 1681 e - Accuracy of Report ( B ) states. Whenever a consumer reporting agency prepares a consumers report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relate. 

**** TRANSUNION has not gathered or provided the maximum possible and reasonable procedures to ensure this false information reporting on my credit report is accurate. 

The following HARD INQUIRES & EMPLOYER INFORMATION SHOULD BE DELETED!! 

Employer : XXXX XXXX XXXX Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute and seek the immediate resolution of a fraudulent bankruptcy account that continues to persist on my credit report, despite my previous attempts to have it removed. This unresolved issue has been causing substantial harm to my financial well-being, and I demand that it be addressed promptly and in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX-dismissed Reference number : XXXX This fraudulent bankruptcy account is erroneous and has no association with my financial history. I have previously filed disputes regarding this account with your bureau, providing all necessary documentation. 
Despite my XXXX efforts and the provision of substantial evidence, your bureau has failed to take the necessary steps to investigate and rectify this issue appropriately. The continued presence of this fraudulent bankruptcy account on my credit report is causing significant harm to my creditworthiness, making it difficult for me to access financial opportunities and services.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report with XXXX Reporting agency and discovered an inquiry from Synchrony ( Bank ) that was done on XX/XX/2022. I have never applied for any credit or services from this Bank / Company. I called them directly and ask what this inquiry was for and was told they do not have any record of me making application to this company. I asked that this inquiry be removed from my XXXX credit history and any other agencies that they use.
Product: Credit card or prepaid card

For at least the last two years Synchrony Bank ( the " Bank '' ) has permitted a third party to access and use my credit card rewards ( Banana Republic store vouchers ). Despite several calls to discuss this issue, the Bank has refused to provide me with information regarding who is using my rewards and how many rewards have been used by the third party. Moreover, the Bank has refused and/or failed to stop the third party from using my rewards despite repeated notice of the data breach. By permitting a third party to use my rewards, the Bank has disclosed my spending habits to an unauthorized third party.
Product: Money transfer, virtual currency, or money service

Im following a complaint against Cash App ( Black, inc. ) due to inadequate customer service and unfair practices, which violates the customer financial protection act ( CFPA ). Spacifically cash app failed to take timely and effective measures to prevent an address frog on their platform leaving my account unprotected and vulnerable
Product: Credit reporting

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/1981 XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX ACC # XXXX XXXX XXXX # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/1981 XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

I have an account on my XXXX stating that on XX/XX/2018 I opened a XXXX XXXX   account and have an outstanding balance of {$110.00}. I did not have XXXX XXXX and am wondering why this is on my credit. This acct has not been verified or validated to be mines. If a signed contract not just a bill with my name in it can not be provided showing that I opened this acct please remove from my credit immediately. Credit Protection is on my credit as the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX