23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -OXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -XXXX XXXX XXXX XXXX XXXXXXXX XXXX5 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 an account without my written instructions. 
"
Product: Checking or savings account

Every time I attempt to open an account, I am denied access.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I resolved a repossession debt that occurred on XX/XX/XXXX for a lease from XXXX XXXX for an XXXX XXXX XXXX. The outstanding balance was XXXX which XXXX told me was due and stated I'd like to settle this debt. They provided their debt collector XXXX @ XXXX to resolve this matter. We agreed on XXXX that was paid in full on XX/XX/XXXX. Two days later, XXXX reported the debt as a Charge Off that appeared 37 times on my credit report. I submitted a dispute that this is incorrect as per the FCRA, this should only be reported one time, not 36 additional times. In addition on XX/XX/XXXX, they updated the credit removing one charge off and adding a repossession occurred on XX/XX/XXXX. This again is incorrect and inaccurate which they have denied. This has caused me financial damage as I'm unable to obtain a loan at a lower interest rate and my credit score dropped by 100 points on Equifax, XXXX, XXXX as result of this irreparable damage to my credit profile. I demand that this be addressed by XXXX for the Account # XXXX. I reached out to both XXXX and XXXX, both have deflected blame and stated this is how it's done and reported and will take 90 days to update. Unacceptable, this has caused me financial harm.
Product: Money transfers

I PAID {$3000.00} BY DEBIT CARD AT A SUPER WALMART IN XXXX DELAWARE FOR A MONEY TRANSFER TO XXXX. WHEN I ARRIVED AT HOME I WENT ONLINE TO VERIFY MY MONEY TRANSFER AS I ALWAYS DO AND THE WEB SITE AT MONEYGRAM SAID MY REFERENCE NUMBER WAS INVALID. I HAD MADE SUCCESSFUL MONEY TRANSFERS ONCE A MONTH FOR OVER XXXX YEARS. I CALLED AND SPOKE TO SOMEONE AT MONEYGRAM WHO SAID I MUST SPEAK TO SOMEONE IN ONE OF THEIR SPECIAL DEPARTMENTS I REPEATEDLY ASKED TO SPEAK WITH SOMEONE IN THE XXXX MANAGEMENT BUT WAS REFUSED. THEY WOULD ONLY ALLOW ME TO SPEAK WITH SOMEONE IN XXXX OR FROM XXXX OR THE XXXX. I WAS TOLD MY TRANSACTION WOULD BE VALIDATED IF I ANSWERED THEIR QUESTIONS. THE QUESTIONS ASKED BY THE MAN FROM XXXX WERE SO RUDE AND INSULTING I LOST MY TEMPER WHICH I BEKIEVE WAS HIS OBJECTIVE. HOWEVER I WAS TOLD I MUST RETURN TO THE WALMART STORE THE NEXT DAY AND MY TRANSACTION WOULD BE COMPLETED. IT WAS A BLATANT LIE! I HAD TO SPEAK BY PHONE TO ANOTHER PERSON FROM XXXX WHO SAID IF I ANSWERED HIS ABSURD QUESTIONS I WOULD BE ABLE TO COMPLETE MY TRANSFER. I ANSWERED HIS QUESTIONS BUT MY TRANSFER WAS DENIED ANYWAY. HOWEVER I WAS GIVEN A REFUND OF MY MONEY. THE PERSONAL QUESTIONS I WAS ASKED HAD NOTHING TO DO WITH MY MONEY TRANSFER AND A PERSON SHOULD NOT BE EXTORTED THIS WAY. I BELIEVE A LAW WAS BROKEN.
Product: Credit reporting

I obtain services from XXXX a while I cancel the service because the services was not what I thought it would be. So I contact the company and the request me return the equipment becuase this equipment was self install by and they did offer installation. So we I was remove the equipment such censor and things I sent them the wrong item. So contact me and informed via mail and phone that I submitted the wrong equipment. So I final figure out the right equipment and return it to XXXX. On Friday, XXXX XXXX, 2015 I contact XXXX to confirm the receipt of there equipment. I spoke with XXXX who inform me that they receive the equipment and had process a refund. I ask the what account number or card number the credit was apply to because I made severall change far has banking and they might trace or put stop payment on the refund. So I aslo provide the credit card number and XXXX to apply the payment to my current card. On Monday, XXXX XXXX, 2015 I received a call from XXXX stating that I will not be receiving my refund becuase it has been apply to close bank account or credit card. Please explain how can a credit be apply to closed bank account and credit card. Then later I was contact be XXXX trying to explain the situation that did not make any sense to me. How can refunds be apply to close bank account and bank card. Please review the Banking ( charges ) for XXXX and the account they said was refunding the money to I do not have the card order information anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I'm writing to express my concerns regarding the reporting of my charged-off American Express credit card account on my credit report. 

This account has been officially charged off, however, it continues to be reported as a 'charge-off ' on my credit report for an extended period of time. This repetition implies that a new negative event is occurring each month, which is not accurate. 

Under the Fair Credit Reporting Act, a charged-off account should be reported as such once, not on a continuing monthly basis. The continuous reporting of the charge-off is negatively impacting my credit score in an undue manner. 

This incorrect reporting has significant consequences on my financial standing and potential for future credit opportunities. I kindly request your assistance in rectifying this issue to ensure that my credit report accurately reflects my financial history. 

Thank you for your immediate attention to this matter. 

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

Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2024 Creditor Name : XXXX Inquiry Date : XX/XX/2024 Creditor Name : XXXX Inquiry Date : XX/XX/2024 Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies.

I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.

I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report.

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit.

Thank you for your immediate action to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Utah Billing & Recovery is reporting an outrageous & erroneous debt on my credit file that I do not owe. This debt was {$300.00} and now it's reporting a debt of almost {$6000.00}. This is erroneous! I don't understand where this balance came from and it needs to be removed off my credit report. I do not owe this debt and I will be seeking an attorney if this is not fixed.
Product: Credit reporting or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. REMOVAL OF THE XXXX ACCOUNTS SEE ATTACHMENT.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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.

TRANSUNION 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: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Company Name 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out and here is the Tracking #. 

According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing my inaccuracies. 

List the accounts XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  Account XXXX u.s. department of education Account XXXX u.s. department of education Account XXXX XXXX XXXX Account XXXX u.s. department of education Account XXXX u.s. department of education Account XXXX XXXX XXXX Account number XXXX TransUnion XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX, XXXX Account XXXX XXXX Account XXXX u.s. department of education Account XXXX u.s. department of education Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX date XX/XX/XXXX DEPT OF ED Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  XXXX date XX/XX/XXXX XXXXXXXX Inquiry date XX/XX/XXXX 2020
Product: Credit card or prepaid card

I received an email from Kohl 's regarding late payment, so I called today ( XX/XX/2018 ) trying to understand the charges. I was advised that I had an outstanding balance of {$110.00} accumulating on my account. After lengthy conversation with the associate, I was advised that was due to one late fee previously not paid, so the following month they imposed another late fee on top of that, subsequently added a third and fourth late fee in the following month, accumulating to {$110.00}. The associate was helpful and offered to waive one late fee initially, then offered waiving of two late fees of {$74.00}, and asked me to pay today for balance of {$39.00} in order to avoid being reported to credit bureau. I explained to her that this is an unfair practice to bill the hefty fee on top of hefty late fees, esp. to the valuable Kohl 's customers. The lady agreed and apologized, but said that she could do nothing else. I strongly believe this was not right and I should not be charged late fee on top of late fees for multiple times. Kohl 's should immediately stop this ill practice.
Product: Checking or savings account

I deposited a {$9500.00} check on XX/XX/23 at XXXX : XXXX XXXX. No one at the branch informed me that the check would be placed on hold. Indeed the teller advised that the fund would be available by midnight. Then I got an email from the Bof A that they are placing the check on hold until XX/XX/XXXX. I contacted the bank, and XXXX XXXX XXXX XXXX said that he saw the deposit was made at around XXXX XXXX, and that's why the system placed it on hold. I discussed the matter with supervisor XXXX ( XXXX ), who referred to an agreement. I was making large deposits previously from the same company and never had an issue like this one. 
I have bills to pay, and now I am stuck with no funds, and the bankers don't care besides saying sorry and advising me to use funds from my other bank accounts. 

This is unacceptable.
Product: Mortgage

DITECH TRADELINE OWES US IN BK CLAIM OF $ XXXX, ADD US TO YOUR DEBT. 

BK NO.XXXX
Product: Mortgage

I purchased a home from citimirtgage in XXXX. I joined the XXXX in XXXX. I was not receiving a housing allowance due to the fact I was n't married, I made my last payment XXXX. I tried to get citimirtgage to take the home and sell it and I would pay the difference. Citimirtgage had me fill out an income summary and decided I should selll the home through a real estate company. I contacted a real estate company and they required me to put a roof of the home before they would sell the home. I could not afford to do so. I contacted citimortgage and explained this. Citi said they could only consider a short sell after I listed the home with a real estate agency. I then offered out the home up for sale personally. Citi said that would not constitute i attempted to sell the home. I can not afford to pay for the home and would like citi to recoup some of their money but I can not resolve this issue with their process. I also believe that after so many years citi is required to charge the amount off and consider the loan bad debt. This would mean citi is in violation of the law
Product: Checking or savings account

I opened BMO harris - relationship checking account with promotion. If one has a direct deposit of {$7500.00} or more in first 90 days - they will get cash back bonus. 
Account opening - online process is broken so it got opened via phone. Promo code was applied. 
When i inquired - why i haven't got my {$500.00} cash back bonus there is no response.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 violation.
Product: Credit reporting or other personal consumer reports

I didnt not authorized any hard inquiries on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists pursuant to 18 usc 8, owe no debt, this company is violating my consumer right to privacy pursuant to usc 1681-B2 company had no permission to report my informatio
Product: Debt collection

Ability recovery service collection agency popped up on my credit saying I owe {$420.00} for something that is not mine. I have disputed multiple times and have gotten denied each time. When I contact them they are rude and refuse to dispute it. There has also been phone numbers and addresses not associated with me on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an incorrect address on my credit report : XXXX XXXX XXXX, XXXX XXXX CA XXXX that is associated with a fraudulent account from XXXX XXXX XXXX ( on behalf of XXXX ) that also appears on my credit report with a balance overdue of {$310.00}. 

I have contact XXXX, alerted XXXX XXXX XXXX, and filed a dispute with XXXX. I also filed a complaint with the FTC, which I have attempted several times to upload to the XXXX  website per their request, but it keeps crashing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection on my account, which is for an incorrect amount ( I recently submitted a document directly to XXXX website showing the actual amount ), has been disputed every cycle for months now. In fact, the existence of the debt is subject to a legal dispute. To top it all off, the debt collection agency is not adhering to the Fair Credit Reporting Act on multiple points. Experian seemed to acknowledge all of this and removed the item after a series of disputes but it seems the item was duplicated. Since the original debt was incorrect, this duplication is also incorrect.
Product: Checking or savings account

XX/XX/24 contacted Chase Bank XXXX XXXX XXXX, XXXX CA XXXX in person, to close a trust account for a family trust at the death of the original Trustee. Chase Bank claimed the account was not a trust then later that next day said it was a trust and asked for a copy of the Certificate of Trust designating the new Trustee. This form was originally presented XXXX but was sent to them several times via email again as the new trustee had by then returned to their XXXX home. 

XXXX XXXX  later without the account being closed yet ... .the supervisor, XXXX , at the Chase Estate Services corporate office in Illinois said she had sent a letter to the new Trustee by mail requesting a form XXXX Chase Trust Certificate that now needed to have a XXXX XXXX XXXX since the new Trustee lives in XXXX . A XXXX XXXX could take XXXX months ... .this is unacceptable!!

This bank is holding this money unnecessarily and needs to close it without further hoops to jump through. This could all have been done in XXXX day as the new Trustee presented all necessary notarized paperwork in person on XX/XX/24. If other forms XXXX were needed they should have been presented at that time!! This is all inept banking practices designed to harass and use others money for their own purposes.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report due to a recent identity theft incident. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I have the right to request the blocking of any information resulting from identity theft.

The following accounts were opened or tampered with fraudulently : Fraudulent Accounts : XXXX XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1900.00} XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$97.00} XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} Fraudulent 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 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 XXXXXX/XX/XXXX
Product: Debt collection

I was a victim of identity theft and noticed a collection from Lvnv Funding I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against LVNV Funding in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you