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

Fraudulent accounts are being reported on my credit report and I would like them removed I have disputed these accounts previously they are against the consumer laws reporting inaccurate information to my credit report The Fair Credit Reporting Act ( FCRA ) protects consumers from fraudulent accounts on their credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Equifax is reporting misleading or unproven information damaging my reputation and credit worthiness. Not only are they reporting an account that is passed the statue of limitations. They are reporting inaccurate unverified information on my credit report. I have called XXXX XXXX XXXX XXXX several times with no help and send out letters. There is an inconsistency of reporting even just the account number, date opened, terms, payment status, date last reported, DOLA, DOLP, and payment history grid among other aspects.
Product: Credit card or prepaid card

On XX/XX/XXXX, a fraudulent credit card application was submitted in my name with Bank of America. I disputed this application with Bank of America and had it removed from my credit. I was told by a Bank of America customer service representative that my information would not be allowed to be used in online account openings. 

On XX/XX/XXXX, a fraudulent credit card applicated was submitted in my name with Bank of America. I once again disputed this application with Bank of America. I was denied any correspondence related to this fraudulent application. The only option I was given, was to file a police report with no resolution in regards to obtaining information to the fraudulent application. 

As a consumer, Bank of America is more concerned with the privacy of the thief, not the victim.
Product: Credit reporting or other personal consumer reports

Please XXXX correct this mistake and ensure that my account accurately reflects my history of making payments on time
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding multiple inaccuracies on my credit report. It has been over 45 days and I have NOT received a response. My disputes are being ignored and I feel like I am being taken advantage of. I demand the immediate removal of these items as Section 611 ( a ) states that failure to investigate these items within 30 days results in immediate removal of disputed items. Additionally, my information was impacted by the XXXX  data breech and it may have been compromised. I will take legal action to protect my name, standing, as well as for the undue stress that this has caused if this situation is not remedied. Again I demand that these accounts be removed immediately.
Product: Checking or savings account

Venmo issued out that my account is frozen via email yesterday. Which they are now holding me off from paying rent. I work two different W-2 jobs and I received a deposit from my second job and thats when my account got frozen. I need them to unfreeze it immediately and Ill never want to use their services ever again this is so inconvenient that I cant use my own money in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I specifically asked the representative if a credit inquiry would be made to " reinstate '' my card. He said it would not. Instead it did. I specifically told the rep that no credit inquiry was to be allowed. Granted I did sign on the terminal, and it was approved. I did NOT request this card, and he did it anyway. I also told him that an inquiry was made when checking out, and he said, " I was told that it did not ''. I said, how are you going to fix this, and he did not respond. This is fraudulent access to my credit report and opening a credit card.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash All ( 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 p, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

I purchased a vehicle via Santander which was stolen in XX/XX/2017 after only a few months of ownership. I contacted my auto lender and Gap immediately and now after the vehicle XXXX was paid off at {$20000.00} less the deductible of {$1000.00} and Gap paid off {$4000.00} I am shocked to see that Santander is reporting the account as being in a derogatory status and that I am owing a balance of {$4000.00} with a high balance of {$25000.00}. I have attempted to divulge from this company where the balance derives from as I am not aware that I owe a balance after the payoff. I have subsequently been advised by Santander that the balance relates to interest and fees. Santander has offered me a settlement amount of {$1800.00} to pay off this so-called debt but failed to answer how these fees have been calculated? I have not yet received a response from Santander and this inaccurate entry still reports on my credit files causing hardship and is damaging my credit. As per The Federal FCRA section 623 ( a ) ( 2 ) of the FCRA 15, U.S.C 1681et seq. : including sections 615 to 629 I demand proof pertaining to these fees and require legal evidence that the balance that is reported is owed. Please provide me with this information immediately as I am not prepared to wait any longer for you to remove this inaccurate information and be aware that I am keeping precise records of this event and that I will seek legal recourse from the courts in the form of a small court claim against your company for damages relating to ( 2 ) years of inaccurate reporting against me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc. ) Due to inadequate customer service service and unfair practices. Which violates cfpa.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to equifax three different times. I asked them to remove all information that was inaccurate. I have names that are wrong, addresses that are wrong, employers that are wrong. I sent them my ID and proof of address ( utlility bill ) three times. They are not updated my personal information and it's stressing me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the lack of responsibility on the Credit reporting Agencies ' behalf. When will the Credit reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please repair the following accounts. I ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the Credit Reporting Agencies has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please investigate the following accounts and verify if the information they report are accurate, if not, have the accounts DELETED AS SOON AS POSSIBLE : DEPTEDXXXX XXXX  Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the bureaus numerous times informing them that account for XXXXXXXX XXXX XXXX, Acct # XXXX is reporting inaccurate information on my credit report. It is a Charged Off/Closed Account with a Past Due amount of {$2200.00}. Reporting this is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed and after 3 months of requesting that they do so they are still reporting inaccurate information with numerous other violations of inaccurate information as well to which it is severely hurting my credit.
Product: Credit card

Capital One is reporting 5 late payments on all 3 credit bureaus. XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. This has dropped my credit over XXXX points
Product: Money transfer, virtual currency, or money service

We have already filled the same complaint with our other account which is under my husband name and this complaint is regarding my account which the similar situation happened and looks like both of our accounts got hacked and the money on the accounts, has been fraudulently transferred out. I had an square account, which was deactivated with a higha balance on it. The email associated with the account is : XXXX XXXX placed a 90 days hold onnthe funds and i was told the money will be available to withdraw after 90 days. The days already passed and in fact its been a month after that 90 days expiration date. I tried to log in to the account to transfer the funds to my bank, but I noticed the entire funds on the account has already been withdrawn and there is no money available on the account. The total balance on the account was approximately XXXX XXXX, but it all has been withdrawn by someone to several different bank accounts with different names. Im not sure how Square allow that to happen. All the funds has been transferred to several bank accounts with different owners. I tried contacting square several times by email and phone, but they are absolutely not helpful and its a large amount of money that currently I dont have access and request to immediately resolve this issue
Product: Checking or savings account

Back in I think XXXX or XXXX I had a checking account with Wells Fargo and they closed my account with notifying me due to fraud activity done to my account when I informed them I did not know what had happened to my account.
Product: Credit reporting

I am a victim of ID Theft. I submitted the required documentation to Equifax as requested. According to federal law Equifax had 4 days to remove the disputed information from my report. I discussed this with a supervisor named XXXX XXXX and was told that Equifax was in compliance with all federal laws. The other XXXX bureaus have removed the ID Theft accounts. 
I had to take Equifax , XXXX to federal court to settle some disputes relating to ID theft accounts in the past. I was compensated by them to settle the case. Equifax in this case have not upheld their part of the agreement they made with me.
Product: Credit card or prepaid card

Dear CFPB, I am writing to lodge a heartfelt complaint against Wells Fargo Bank for their mismanagement and disregard of regulatory authorities and customer grievances. 

I have previously filed XXXX formal complaints, providing my real name, but the bank not only failed to acknowledge their mistakes but also responded by stating that I hadnt provided sufficient information to initiate a dispute resolution. 

On XX/XX/XXXX at XXXX PM, in a conversation lasting XXXX minutes ( I have recorded evidence ), I once again contacted Wells Fargo and provided all the necessary information regarding four transactions as requested. The banker assured me that I didnt need to make any payments during the dispute process and that my case had been submitted for resolution ( I have the recording as evidence ). 

To my astonishment, Wells Fargo bank harassed me with three consecutive phone calls tonight, asking for the same information. I informed them that I had already provided the required information just yesterday, and offered to play the recording for them. However, the bank insisted that I return goods from XXXX months ago before they could proceed. What level of professionalism is this? Who should I return goods to after XXXX months? Where is the return label? How can the seller accept a return? Is Wells Fargo playing a joke? XXXX! 

I urge the CFPB to intervene with stronger regulatory measures. This bank has gone completely insane. They are better suited for comedy than handling banking affairs. Please enforce strict oversight to prevent this bank from causing further harm or going bankrupt, which would affect more people. 

Thank you. 

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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1831 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: Debt collection

I have paid my debt to XXXX wireless and yet I have fraudulent collections agencies contacting me, such as Jefferson Capital Systems, a highly fraudulent collection agency.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated.

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

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

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

I have requested proof that this information was mailed or delivered XXXX 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! 


Update the late payments from my consumer reports
Product: Debt collection

XXXX XXXX bill paid by the XXXX XXXX at 100 %, I paid {$150.00} deductible at the time of service. {$1500.00} was a discount by the insurance company. Medical Financial are billing me for this amount.
Product: Credit reporting or other personal consumer reports

@ XXXX I attempted to open basic debit/checking acc. at local bank.My application was denied with explanational, to many inquires in last 6 months.Most of them are soft pulled inquires via XXXX XXXX but in total at trans union over XXXX! 
Trans Union, XXXX and XXXX were not cooperative to remove and corect informations based on my stolen identity including fredulantly added fake address without making official XXXX report. 
Focus of my complaints are related to XXXX XXXX who made over XXXX + inquires without any consent or notifications related to me as stolen identity also credit bureau without red flag acceptance of growing issue filing fake facts without any responsibility and consequences ruining peoples life.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the CFBP regarding fraudulent accounts that have been inaccurately reported on my credit report. These fraudulent accounts are damaging my creditworthiness and financial standing, and I am seeking your assistance them promptly removed. Under the provisions of the Fair Credit Reporting, I am entitled to accurate and up-to-date information on my credit report. It has come to my attention that the following fraudulent accounts have been reported : Account name : XXXX XXXX  XXXX account number XXXX Date opened XX/XX/XXXX. 
Account name XXXX XXXX account number XXXX Date opened XX/XX/XXXX. I did not open or authorize accounts, and they are the result of identity theft ot fraudulent activity. I have taken the necessary steps to dispute these accounts with respective creditors, but to no avail. Despite providing evidence of the fraudulent nature of these accounts, they continue to negatively impact my credit report and financial well being. I am requesting that the Consumer Financial Protection Bureau intervene in this matter and facilitate the removal of these accounts from my credit report. The CFPB mandates that credit reporting agencies ensure the accuracy and integrity of the information they report, and it is clear that these accounts do not meet that standard. All of these accounts must be removed from credit report.
Product: Debt collection

The company is unable to provide a detailed bill for services on the dates the service was provided and what attempts they made to bill insurance. The company Is Account Resolution Corp Address : XXXX XXXX XXXX # XXXX, XXXX, MO XXXX Phone : ( XXXX ) XXXX-XXXX  I believe they have violated 45 CFR 164.508 Section 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a XXXX dealership on XX/XX/2020 to apply for financing a vehicle. I was told that I will only be applying for the in house financing XXXX offered at the time. I did not agree to getting my information pulled by these institutions. Heres the hard inquiries and their respective dates : XXXX XXXX XX/XX/2020 - Transunion XXXX XXXX XXXXXX/XX/2020 - Transunion XXXX  XX/XX/2020 - Transunion XXXX  XX/XX/2020 - Transunion XXXX XXXX XXXX - Transunion XXXX  XXXX  XX/XX/2020 - Transunion XXXX  XX/XX/2020 - Transunion XXXX XX/XX/2020 - XXXX XXXX XXXX XX/XX/2020 - XXXX XXXX XXXX XX/XX/2020 - XXXX Im seeking the resolution to have these inquiries deleted from my credit reports.
Product: Debt collection

MOHELA is a third party debt collector who has been reporting false information to consumer credit reporting without my consent. 
I have tried to resolve this issue for a long time. They have disregarded ALL laws.

Per 16 CFR 433.1, 433.2 and 433.3, I, as a debtor, am asserting my rights and the alleged debt was paid in full with my Master Promissory Note. My promissory note is a negotiable instrument. Please see attached a copy of my promissory note.
Product: Checking or savings account

YOUR COMPLAINT I wrote a check ( via XXXX XXXX account personal check ) and put it in the XXXX XXXX  to be sent to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$5000.00}. The check reportedly never arrived at the XXXX  and was never cashed by the XXXX. However, the check was cashed on XX/XX/XXXX at the Bank of America. I filed a report with XXXX XXXXXXXX XXXX XXXX XXXX which is when I found out that my XXXX  had not received the money. I have a claim number with XXXX XXXX which I filed on XXXX XXXX XXXX. I have made multiple calls and inquiries as to where my money is to no avail. I tried to call Bank of America as well and they will not give me any information. They hung up on me on XX/XX/XXXX. I called XXXX XXXX  again on XX/XX/XXXX and they asked me to get a declaration form started. I also contacted the PA department of banking, office of the Comptroller of the currency, and consumer financial protection bureau on that date.
Product: Credit reporting, credit repair services, or other personal consumer reports

on the XXXX of XXXX i sent letters to all three credit bureaus ( XXXX, XXXX  and transunion  ) in regards to inquiries i did not authorize or have any acknowledge to on my credit report. i recently applied for a home through a finacial instituion at which i was denied. i requested a copy of my credit report and found i have over 6 inquiries on my ccredit report. XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) .I CONTACTED all of the 3 major credit bureaus ( trans union XXXX XXXX XXXX XXXX ) that were reporting the inquires. i was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or POLICE REPORT. Along with providing a copy of my license and proof of address. i requested a copy of the reinvestigation and a list of people they spoke to. As of today XX/XX/XXXX, i have not gotten any updates or satisfaction so on XX/XX/XXXX, i will repeat the process again.
Product: Credit reporting or other personal consumer reports

Transunion XXXX XXXX are incorrectly reporting the account listed as XXXX XXXX XXXX. This account has not been validated as accurate because what evidence was used to verify this account as belonging to me. I have no obligation to this company and there is there is no contractual agreement between them and I. Transunion & XXXX are required by federal law to report accurate information and they are not. Furthermore Transunion & XXXX are securitizing this report to make money from the sell of my personal information and this is not authorized since I gave them no permission to profits my the exploitation of my personal data. This has caused me serious harm since this is a collection and is intentionally intended to harm my character and consumer file. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.