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

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15USC 1681 E ( B ) AND 15 USC 1681i ( 5 ) THIS ACCOUNTS ARE IN VIOLATION OF NOT REPORTING 100 % ACCURATE. THE CREDIT REPORTING AGENCIES STATES THAT THESE ACCOUNTS WHERE PROPERLY INVESTIGATED AND CAME BACK AS VERIFIED. HOW EVER, HOW IS THIS TRUE WHEN THERE ARE SEVERAL INACCURACIES SHOWING ON MY REPORT? AS A CONSUMER I REQUEST TO KNOW ALL THESE STEPS YOUR AGENCY TOOK TO ENSURE THESE ITEMS ARE 100 % ACCURATE UNDER 15 USC 1681I ( 7 ) A METHOD OF VERIFICATION - DESCRIPTION OF REINVESTIGATION PROCEDURE. MY ONLY ADDRESS IS XXXX XXXX XXXX MD XXXX PLEASE REMOVE AND UPDATE ALL OTHER ADDRESS. 
I noticed several inquiries had been made and where not for permissible purposes which is a violation of FTC law 604 [ 15U.S.C.1681b ] : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

According to US Student Loan Center states on their website https : XXXX towards the bottom of the page ***These services are not available to XXXX XXXX XXXX XXXX XXXX XXXX  residents*** As a Washington resident for XXXX  years I am not sure why this company has charged me {$39.00} a month for XXXX years. I feel that this company is a scam at this point. I have been with them for about XXXX years thinking that the company is honest. I started with them in XXXX XXXX from XXXX to XX/XX/XXXX and moved to Washington state in XX/XX/XXXX on XXXX  Orders. I am unsure if this company is a scam, but it seems like they are. The first rep that assisted me his name is XXXX XXXX his contact information is - email XXXX phone XXXX. Recently a new rep reached out to me her name is XXXX XXXX her phone number is XXXX. No one seems to know where my documents are to show their work in assisting me. According to NelNet my Student Loan account is through I only had XXXX letter of acceptance into a non-payment program for XXXX year. Why is there only XXXX letter when there should be XXXX? For XXXX  years I have paid them {$39.00} a month and a starting fee of {$390.00} on XX/XX/XXXX on my XXXX credit card. I did speak with the XXXX Police Department on XXXX XXXX at XXXX XXXX and the XXXX told me that I need to contact Consumer Fraud and the FBI. Earlier on XXXX XX/XX/XXXX at XXXX XXXX. I received an email that my FSA is locked. I was asleep at XXXX XXXX this morning. My alarm clock goes off at XXXX XXXX. XXXX was attempting to get into my account without my authorization on XXXX XX/XX/XXXX. I changed my password on XXXX XX/XX/XXXX. I received a phone call from XXXX at XXXX XXXX on XXXX XX/XX/XXXX Washington time and I did not answer my phone because I was working. XXXX is XXXX hours ahead of Washington XXXX time.
Product: Consumer Loan

First off the loan agent, looks up my family members through social media and contacted them. Also she stated to me she even Googled my boyfriends name, and searched out his police record ( his name is not on the loan. ) She shows up at my home with a police officer and tells me it 's a felony repo for my listed calatorel but the officer never gets out of the vehicle. She agrees for me to come to the office by the next Monday to make a payment and do a hardship form and she leaves. About 20 minutes later she shows back up at my home ( no police this time ) asking me to write a false statement saying that the original loan manager took half the money and made me take out the loan. she told me what to say and even had her boss on speaker phone. When I said no they both got upset and refused to let me do a hardship form and made threats that they would get me and the original loan manager even with out my statement. I asked y she brought the cops the XXXX time n she said it was for repososetion, the XXXX time I asked her y she said because she felt threatened ( even this she 's never met me seen me or spoke to me before ). The XXXX time I asked y the police had came the XXXX time she said it was because she googled by boyfriend and he had a record. So I 'm still not sure as to the real reason the police where here. I made a complaint to her main office and they forwarded it to her boss and he as well tried to get me to make a statement saying could help me out if I gave them the statement so they could go after the original loan manager ( who no longer works at the company ) they r trying to get wrongful statements to incriminate her. As well as threaten me the into helping them or they will press charges as I am behind on my loan. At this time I am an out of work widowed mother with XXXX kids ( XXXXwith XXXX and can not get caught up on this loan ) I feel they r targeting me due to the issues they have with the previous manager ... ..
Product: Debt collection

I have a complaint open again Resurgent Capital Services for trying to collect on a fraudulent debt. This is a follow up, that I contacted XXXX, XXXX and they are unable to locate any accounts with my name and social security number. I have a letter stating that no such account was found. This is to inform and advise Resurgent Capital Services to cease any further attempts to collect on any such debt that they believe I owe through the original creditor XXXX, XXXX. Included in this follow up complaint is the letter received by me from XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more tan seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate modity accounts tat isnt reporting correcuy. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$420.00}
Product: Debt collection

I don't know what happen, my credit received a major derogatory mark from Source Receivables mng, a debt collector collected a debt that I wasn't aware of, they never contacted me or have some forms of notification. 
In my credit report, it seems Source Receivables mng collected a monthly payment about XXXX $ for XXXX XXXX which is not right, I always pay on time or if I may pay late for days I should be contacted. I don't really understand my situation. 
Overall, I don't recognize, I don't know, I don't understand this debt. I believe there are thousands of people bothered by this collector. 
I hope the government acts on behalf or be the voice of its people
Product: Credit card or prepaid card

I have called discover bank back a few times regarding this issue and they keep on saying that my account is suspended due to derogatory marks on my credit report from well on over 12 months ago. I have paid down the balance I have owed on the late payments. They are still saying because of what happened they cant do anything with my account because of my past actions due to Financial hardship. Basically I am just paying down my balance at the moment and i'm still not allow to even use the card i feel like this is racism and messed up I have fixed my past with them and still on a suspended account and cant even get a credit increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

i just find out that on my credit borough reports i have 3 collections in a small amount in a total of {$450.00} 1. XXXX XXXX, $ XXXX, 2. XXXX XXXX XXXX XXXX, $ XXXX, 3. XXXX XXXX $ XXXX. 

I don't know what is about, i just can guess according to original creditors names ( whish i found on credit reports ) that its medical outstanding bills. I never received any letters/notices from Collection/Or-and/Original creditors that i own some money.

I am a medical provider too, in case i want to put patients for the collection I am always mail them certified green mail card which must be signed by the patients. Then i am allowed to put patients for collection because i have received proof that the patient received a notice. A few month ago some collectors was trying to call me about some outstanding amount, they just verified my name, but when i asked them Can you please email me or mail a bill/statement from original creditors so i can Verified where is the source of my outstanding but I WAS HANG UP THE PHONE immediately, for me looks like that just they just want verified my name and its more than enough to put me in a collection.

Another way, because i have very valuable time I would like to pay these outstanding balance and forget about this., and unfortunately i am unable to do it because when i have clicked on XXXX  , XXXX  , and Experian collection names I DO NOT HAVE ( website link ) an OPTION to pay it OFF. I did search by creditor names on line and its brought me to their subcontractors websites where they offer some some credit card and other things.

For Example on XXXX  Credit Borough I have clicked DISPUTE button and its brought me to : XXXX XXXX XXXX XXXX Its Not fair to me, like i mentioned above i would like to pay OFF a balance i have and even not to thing what is about. BUT i do not have an options to do it on their website. I have made a few calls by the name i found of my credit reports and i was switched to companies who offer some services to clean up a history for monthly fee etc.

1. The reason is it has to be removed from XXXX, XXXX  and Experian that is NO link from original creditors/or collection agency to PAY OFF a collection Balance.

2. XXXX, XXXX  and Experian must have received a confirmation from original creditors that debtors have received a notification ( NOT just phone calls to verified the Names and hang up the phone after )
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to get everything off my credit but they keep putting it back up there and Im trying to better my credit so I can buy a house and make a better life for my kids
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Opened Citizens Checking account on XX/XX/XXXX. 
Offer on Citizen 's website said {$400.00} bonus if deposited {$1000.00} within 60 days. 
{$1000.00} deposited on XX/XX/XXXX ( 59 days ). 
Offer said {$400.00} bonus paid within 90 days of deposit, which means {$400.00} should be paid by XX/XX/XXXX. 

As of XX/XX/XXXX bonus still has not been paid. 

Plus, they've charged {$25.00} in monthly fees ( I can not downgrade the account until they pay the bonus ). 

Requesting {$50.00} credit for monthly fees, plus {$400.00} bonus paid.
Product: Checking or savings account

Dear CFPB, I am writing to formally file another complaint against Bank of America regarding what I believe to be discriminatory and fraudulent actions taken against XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX located here in XXXX, California. I XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
On or around XX/XX/year>, Bank of America froze my business checking account with no prior notice or explanation. Despite my efforts to reach out to the bank for clarification, I have not received any response regarding the reasons for freezing my account. On XX/XX/year>, the bank proceeded to close my account entirely, again without providing any justification or advance notice. 
As of today XX/XX/year> Bank of America has not returned the {$1.00} XXXX plus funds that were held in my business account, nor have they given me a clear explanation as to why my account was closed. This has severely impacted my business operations, as I rely on this account for day-to-day expenses and other essential financial activities. 
I believe these actions to be discriminatory and fraudulent. Bank of America 's lack of communication and confiscation of my business funds without due process has caused significant financial harm to my business and livelihood. 
I am requesting that Bank of America be investigated for their handling of this matter, as it is unacceptable for a bank to withhold funds without clear justification or explanation. I also demand that Bank of America immediately release my funds and provide a detailed explanation of the reasons behind their actions. 
Please find attached my Notarized Affidavit of Fact detailing the timeline of events and relevant documentation for your review.

Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue promptly. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. 
Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists all are listeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is a hard inquiry that I am requesting to be removed as well as all soft inquiries. Also, I am requesting that " XXXX XXXX '' be removed off of my personal information. 

I ordered a copy of my credit report with Experian and noticed a hard inquiry that did not belong to me. XXXX XXXX XXXX does not belong to me I do not recognize it. This transaction does not belong to me. I called and spoke with a representative XX/XX/year>, and explained that this transaction was fraudulent. I was told because they could remove the hard inquiry that would request that it be changed to a soft inquiry, then I could request the credit reporting agency to delete it from my consumer report. This information is be reported inaccurately, incorrectly, erroneously and fraudulently. 

15 USC 1681 an credit reporting agency are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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.

It is stated in 15 USC 1681 s-2 they are supposed 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.

15 U.S.C. 1681B ( 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. 
Duty a moral or legal obligation ; a responsibility Accurate correct in all detail ; exact Prohibition a law or regulation forbidding something They provide a letter that they did not open an account in my name and will not continue processing the application. The letter and a copy of the consumer report has been ( scroll all the down it is below XXXX XXXX being reported on my consumer, which I current and active dispute in place against them ) attached below.
Product: Money transfer, virtual currency, or money service

I am filing 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 for these violations.
Product: Debt collection

I contacted, American Express, via Vertified USPS ( XXXX ), on XX/XX/XXXX, to dispute an alleged account and the balance within 30 days. American Express, received my request, XX/XX/XXXX. But, American Express, failed to respond to my request within 30 days under the Fair Collection Acts, and Ohio Revised Code. Please see the attached letter, and receipt.
Product: Credit card or prepaid card

I have a Visa with a $ XXXX credit limit with BOFA for over 25 years. My credit score is over 825. I had a XXXX balance on this credit card and have never made a late payment in my life. I have lived at the same mailing address for 31 years. I have multiple accounts with BOFA checking, savings, MasterCard & Visa. I have been a customer of Bofa for 40 years. 

With NO notification what so ever I received a notice from my credit monitoring service advising me that one of my accounts was closed at my request. I had made no such request. I saw that it was a BOFA account and so I called them they stated they sent 3 letters notifying me that due to inactivity there would be closing the account. I received nothing from them. I asked to have the account re-instated and they said they couldn't. 

My credit score just dropped 23 points due to BOFA 's unlawful closing on my account. 

If BOFA has done this to others without any notification then I believe a class action lawsuit should be filed against them.