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

For approximately one year I have repeatedly sought to remove an item from my credit report that is there in error. For over one year XXXX XXXX XXXX XXXX  has continually reported information on my credit report that is incorrect. XXXX XXXX XXXX XXXX  has reported this incorrect information and continues to do so to all of the major credit reporting bureaus. The information that XXXX XXXX XXXX XXXX  is reporting is incorrect because the debt that they are reporting is not mine. I have never contracted in any capacity with XXXX XXXX XXXX XXXX. I did not open an account with XXXX XXXX XXXX XXXX. I did not authorize any person or party to act on my behalf to open an account with XXXX XXXX XXXX XXXX. I will not and have not benefited in any way from this account that XXXX XXXX XXXX XXXX  is reporting. 
In trying to remove this account from my credit report I have reached out to all parties involved ( XXXX XXXX XXXX XXXX  and the major credit reporting bureaus ). I have filed numerous disputes with the major credit reporting bureaus indicating that this debt does not belong to me. Each dispute has resulted in the same outcome, where the debt is claimed to be verified. Throughout the past year I have made four separate written requests to XXXX XXXX XXXX XXXX  demanding that they validate, verify, and provide all corresponding paperwork with regards to this debt. I HAVE NEVER RECEIVED A RESPONSE TO ANY OF MY WRITTEN DEMANDS. I have contacted XXXX XXXX XXXX XXXX  numerous times via telephone and I have been told each time that such requests must be made in writing. 
When disputing this debt with the major credit reporting bureaus I have included the aforementioned information. The major credit reporting bureaus are aware that I have made said demands on XXXX XXXX XXXX XXXX  and that they have not responded to said requests. Despite this obvious non compliance with various governing laws and regulations all the major credit reporting bureau have continued to report this incorrect information on my credit report. It appears that said major credit reporting bureaus are satisfied with the information that XXXX XXXX XXXX XXXX  is submitting in response to my initiated disputes. All the major credit reporting bureaus have denied my requests to examine the documents that XXXX XXXX XXXX XXXX submits in response to my dispute initiation.
Product: Bank account or service

Bank of America charged return fee XXXX XXXX this is not fair. 
XXXX XXXX XX/XX/2017 friday my online banking balance was not negative. 
XX/XX/2017 Saturday my online banking balance negative. ( XXXX transition ) XX/XX/2017 called Boa customer service, XXXX ( refresentitive ) advised deposit right away. 
XX/XX/2017 all cash deposited, But, they returned check and charged return fees XXXX XXXX
Product: Debt collection

This is for XXXX XXXX XXXX, I paid this off I spoke with a XXXX from XXXX XXXX XXXX she also agreed I do not owe this money she has tried to get it taken off. her number is XXXX I sent a copy of my o balance to XXXX XXXX at AR Resources XXXX fax XXXX sent this fax XX/XX/XXXX I have been trying to get this off since XX/XX/XXXX, This is affected my score. I really want this off. I do not owe them. I can send a fax to show you the XXXX balance.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; ( Original Creditor : XXXX  ) XXXX Balance : {$550.00} ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$320.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDNELNET XXXX Balance : {$0.00} ; ; DEPTEDXXXX XXXXXXXX : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I have a rarely used American Express Card which when used was still providing snail mail statements, which was misplaced. I had a balance of {$190.00} due XXXX XXXX XXXX  I went online and the balance was {$190.00} and I paid in full. Immediately a {$40.00} late fee showed on the account ( why wasn't it there when I was paying?? ). I called and was told that they were unable to help since at one point in the 23 years I had been a member they had waived a late fee. Fine - my mistake - so I handled the {$40.00} late fee with the person I was speaking to and got assistance to switch to a paperless statement going forward as I do with my other cards. On XX/XX/XXXX I received a statement with a {$4.00} balance. I have now gotten off the phone on XX/XX/XXXX with a representative who shared that that was interest and most likely I will be charged that again in the next payment cycle!

How is this possible in today 's situation??? On a {$190.00} bill that I mistakenly paid in full two days late I will incur {$48.00} in fees and interest. When is someone going to control what these loan sharks are doing. 25 % in fees and interest for two days!

I have paid the {$4.00} and cancelled the card and will see if they send yet another interest bill. What is being done to protect consumers from these criminal actions?
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope you're doing well. I need to report an error I found on my credit report. It says I made a late payment, but I actually paid on time. It's important that credit reports are accurate, so I'm reaching out. 

I've attached a copy of my credit report with the supposed late payment date ( XX/XX/2024 ). Can you investigate this? If you can't find proof of a late payment, can you fix it to show that I paid on time? 

Thanks for your help and quick action on this.
Product: Debt collection

On XX/XX/XXXX, I was notified that my wages are going to be garnished by the XXXX County Sheriff for a debt that is not mine, and for which, documentation submitted to the company on the court date in XXXX shows that the reported debt is not mine. 
Prestige Financial Services , Inc, made threats and were aggressive with their collection practices even after proof had been submitted that the debt was not mine. The owner or representative reported they were going to sue and did not give a XXXX what papers I had, because he was going to get his money. 
This is for a debt on a XXXX that was obtained prior to my XXXX in XXXX. In our XXXX decree, which was signed by XXXX XXXX on XX/XX/XXXX, Page 7 states, The wife is ordered to pay the following debts as or before they become due and hold the husband harmless for any further liability concerning these debts : Prestige Financial, XXXX XXXX. 
My ex-wife filed for bankruptcy after our divorce and the debt was discharged in her bankruptcy. On XX/XX/XXXX, the case was renewed and Prestige has again stated I am responsible for the {$15000.00} debt which includes fees and interest, despite their lawyer receiving the proof in court, that I am not responsible. I have now been served with an order for garnishment and my paycheck is being garnished approximately {$500.00} per month.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is 1 account on my credit report that is really hurting me which is not my account I have not opened this account I want this account gone since it is not mine I have sent the bureaus multiple letters but they are not doing anything about it. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account!!!! 

There is also a Bankrutpcy that is not mine and is on my equifax report I need this removed as well
Product: Money transfer, virtual currency, or money service

Good day to you! I'm a XXXX from XXXX XXXX province in XXXX. 
My friend, whose name is XXXX XXXX from XXXX XXXX, set up a foundation to donate clothes to poor people in XXXX last year. But he broke the bank code of conduct undeliberately, so his account was locked. 
And on XX/XX/2023, when XXXX was in XXXX XXXX, before he came to XXXX he also wired me XXXX through Wells Fargo Bank, but the bank staff put in my account number wrongly, so I didn't receive the money, which also partly caused our present problems. 
XXXX contacted the Wells Fargo Bank customers service, but we can only get the money after XXXX 's account is unfrozen. 
But now we have no money to unfreeze XXXX 's account. If I can't receive the money to pay all the clearance fees in XXXX customs, all the clothes, whose value is more than {$300000.00}, will be cosficated and cause a great loss. You know the clothes should be distributed to the poor people in winter, but we couldn't do it. 
I sincerely hope you could cope with the case properly for the sake of the poor people. 
If all the clothes were lost, maybe we'please charge the Bank. I hope this won't happen.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year>. I saw an inquiry that I did not authorize. 

Name : XXXX Date : XX/XX/year> This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1881b.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated a transfer to WISE for {$250.00} XXXX XXXX XXXXXXXX ) transaction number # XXXX. WISE took my money on XX/XX/XXXX as seen in my bank statement. My father who is in the XXXX has communicated with the recipient ( XXXX XXXX XXXX ) since XX/XX/XXXX. They have multiple conversation with the recipient and the recipient has mentioned they did not received the money. They communicated with the bank and provided us that information. On XX/XX/XXXX, I requested a complaint to WISE and WISE provided me with case ID XXXX. WISE have not provided any satisfactory answer. They have requested for the bank statement of the recipient and I told them we needed a formal notarized letter from WISE requesting the bank statement so that the recipient will provide us the bank statement. My family has went to the recipient multiple times asking for help and the recipient could not do anything but tell them they have not received the money. My brother was pulled out of XXXX  multiple times because they were questioning his XXXX  payment. 

I had made several other transactions on XX/XX/XXXX and after that date. All recipients have received the payment. One of them was also a different XXXX  in the XXXX. 

Furthermore, I sent a payment to the same recipient on XX/XX/XXXX for {$160.00} ( XXXX  XXXX ) without knowing that there was ongoing issue with the initial payment made in XX/XX/XXXX. The recipient ( XXXX XXXX XXXX ) has received the money and provided me a receipt.
Product: Mortgage

Hello XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXX Judicial Court has XXXX me access to my property and Bank accounts XXXX XX/XX/year> I requested immediate access to my property to Bank of America XXXX XXXXXXXX XXXX XXXX and XXXX provide False information with regards to my house home loan XXXX and refused to comply with the State of Texas XXXX XXXXXXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX orders granted XXXX XXXX access to my property and Bank account. 

I provided Bank of America XXXX XXXX XXXX XXXX with all of the XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX decree orders and they respond with false information with regards to the court ordered temporary possession of property by the XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX... 

Please investigate the fraudulently scams false statements and XXXX Bank of America XXXX XXXX XXXX XXXX had provided and IRS XXXX XXXX XXXX IRS account fraudulently access by Bank of America XXXX XXXX XXXX XXXX that had contradictory information with regards my property and city along with government institutions financial crimes and information, theft, contempt to XXXX XXXX Texas Attorney XXXX XXXX and XXXX XXXX XXXX XXXX XXXX...
Product: Credit reporting or other personal consumer reports

This is my third request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Credit Control Corporation is reporting negative information on my report. First CCC  never mailed FDCPA_compliant collection letter ever and i notified them right away and until this day they have not send me any notice at all. second On my XXXX file they are not even providing their name its showing collection under no name. second en XXXX  file they are reporting every month as " C '' since XX/XX/2021 and on the XXXX and XXXX XXXX they are not reporting any payment history. 3rd after many requests in writing they are not providing any details and when i call i get threatened to put lein and garnishment when there is no judgement at all and when i tell them i will file complaint to cfpb they tell me i will be taken to court if i file any complaint and they can reduce the debt to 80 percent if i pay them in full. they also say if cfpb is involved they will charge me full money and legal fee. until this day i dont know what is this debt for and if i owe XXXX  any money
Product: Checking or savings account

During the 2nd week of XX/XX/2021 I stopped by the 5/3rd Bank in XXXX NC to close my checking account that I have not used for more than a year. The teller gave me cash money and told me she could not give me anything to state I closed my account. Odd to me not to get something stating I closed my account. In early XXXX I received a Overdraft Notification : Immediate Action Required letter Dated XX/XX/2021 from said Bank. On XX/XX/2021 I called the number provided and was on hold for a period of time till I could talk to someone. The girl I talked to ( XXXX? ) about the overdraft fee that couldn't be since I have not used the account for over a year and just closed the account, said she would take the {$11.00} fee off and close the account that was already closed?? I asked her to send me something stating my account is closed, she said she can't do that?? About a week latter I receive another Overdraft Notification : Immediate Action Required letter Dated XX/XX/2021. Time to file a complaint.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My credit reports show that my credit history is only 6 months. I paid off a car that is reported on my credit. I bought the car in   XX/XX/XXXX   and paid it off  in   XX/XX/XXXX  .  All   XXXX  c redit reporting agencies previously showed this under credit history, but somehow it 's now only showing 6 months. The reporting company was  XXXX   XXXX .
Product: Credit card

VIOLATIONS 1. ) reporting transactions and experience violates 15 usc 1681a ( 2 ) 2. ) I did not get the three disclosures that required by federal law violates before you can furnish items on my credit report the GrammLeachBliley Act 15 usc 6801-6803 3. ) You sold my non personal information to a third party as stated in your response violation 15 U.S. Code 1681s3 - Affiliate sharing 4. ) Not reporting correctly violates 15 usc 1681 s-2 5. ) Continuing to attempting to collect on a charge off after you gave up your legal rights through the charge off process and sold the accounts violates tax regulations 6. ) Your notice and disclosures has to be aligned with the FCRA 15 U.S. Code 1692e - False or misleading representations ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

( 13 ) The false representation or implication that documents are legal process.

Yes, a creditor may report to credit bureaus under the Fair Credit Reporting Act ( FCRA ), which is codified in 15 U.S.C. 1681 et seq. However, creditors are not legally required to report to credit bureaus, and it's a voluntary practice.
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 Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent 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 resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1692c ( c ) is a provision of the Fair Debt Collection Practices Act ( FDCPA ), which is a federal law regulating the practices of third-party debt collectors. Specifically, 1692c ( c ) addresses the issue of a debtor 's right to request that a debt collector cease communication. 
All communications regarding debt should cease and it is a violation of my rights to report anything to credit agencies. I demand you remove all items listed below. 

1. XXXX XXXX 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

Recently while conducting a monitor of my credit report I discovered some items that have unverifiedinformation. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall releasing myinformation toathirdparty. 

1.Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you. 
3.Cease any credit bureau reporting until the debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency
Product: Debt collection

We are receiving calls from XXXX XXXX XXXX XXXX. They are attempting to contact someone with the last name of XXXX. We have had our phone number since XX/XX/2006. When we first received this number we received debt collection calls for a person named XXXX, who I guess was the prior holder of the phone number. ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove/block any account which was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX : {$810.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX XX/XX/XXXX {$2000.00} BANK XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$6800.00} XXXX XXXX XXXX XX/XX/XXXX {$5200.00} XXXX XXXX XXXX XX/XX/XXXX {$18000.00}
Product: Checking or savings account

I attempted to get my number updated and became increasingly agitated with each call I had to make. Each rep gave different information and failed to help with my requests. Finally getting so upset halfway through my day still trying to get answers and now a complaint logged with them directly Im having to contact the CFPB. Multiple people did not know their complaint process and said a formal resolution is not provided to the complaintant which forces me to go through CFPB.
Product: Debt collection

I found several accounts on my credit report that appear to have been added without my approval, and I believe they are incorrect. I ask for their immediate removal
Product: Credit reporting, credit repair services, or other personal consumer reports

The only name I should have on my CRA report is XXXX XXXX XXXX