23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax or one of their 3rd party information suppliers have listed XXXX separate bankruptcies on my credit report when they are obviously the same bankruptcy. I have tried multiple times to get this error corrected, once with an internet submission and twice via phone calls to Equifax and once through CFPB. This is my second submission through CFPB. I have contacted the bankruptcy court and gotten copies of all public records, the court has, pertaining to my bankruptcy. My one and only bankruptcy was about 7 years ago. It was a Chapter XXXX and it was Discharged. During the years since there was a change in how the court districts where divided plus my original judge retired. This caused the court to do an " intra-district transfer. '' There was also a slight change in my case number indicating the new district code. The internal part of the case number did not change. I have attached, here, copies of the public records I got directly from the court. Sometime in the past several years some " lame '' 3rd party supplier of information looked at these records and put them in their database as XXXX separate bankruptcies. Equifax just keeps going back to this " inept '' supplier and getting the same bad information. Equifax lied to me saying " the court sends them the records and they are directly received from the court. '' Equifax has been sued and lost for the very same lies in the past. Public records are not sent out to reporting bureaus ever. Someone must actually go and access public records. I assume this service is supplied by third parties to Equifax. EQUIFAX PLEASE DO YOUR DUE DILIGENCE AND VERIFY MY INFORMATION BY DIFFERENT MEANS. GOING BACK TO THE SAME ERRONEOUS SOURCE OVER AND OVER JUST MAKES YOU NEGLIGENT. IF YOU, EQUIFAX , COME BACK TO ME AGAIN SAYING YOUR INFORMATION ON ME IS CORRECT THEN I DEMAND TO KNOW SPECIFICALLY WHERE YOU ARE GETTING THIS BAD INFORMATION. I WANT A COMPANY NAME AND ADDRESS, A DIRECT PHONE NUMBER AND A SPECIFIC PERSON TO CONTACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DPTEDXXXX  XXXX {$820.00} DTEDXXXX XXXX {$820.00}
Product: Credit reporting or other personal consumer reports

Dear Bank of America Customer Service, I hope this message finds you well. I am writing to address an issue regarding my credit card account that needs urgent attention. 

I received a call from one of your representatives to set up automatic payments for my credit card. Unfortunately, the payment that was deducted was for the incorrect amount. As a result, my account has been marked with a late payment status. 

I want to emphasize that I have never missed a payment on any of my credit cards before this incident. This error is now adversely affecting my credit score and hindering my ability to receive approval for important financial matters.

Additionally, there was a similar mistake with another one of my credit cards, which was promptly corrected by Bank of America. However, this issue with the current card has not been resolved yet. 

I kindly request that you remove the late payment status from my account immediately and correct any related errors. Your prompt action on this matter would be greatly appreciated. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX ( XXXX ) XXXX Card Ending in XXXX
Product: Debt collection

This unethical scam of a bank in XXXX called XXXXXXXX XXXX opened an account fraudulently and has been harassing me for almost a year and a half. They have stolen my social security number, XXXX shared it with several other companies and have been reporting false information to the credit Bureaus. They reached out to me after they stole my personal information and now claim I owe nearly {$5000.00}. It is the only negative mark on my credit report. They stole my identity. This is absolutely unacceptable.
Product: Mortgage

i received a check back in XXXX that was misplaced in my files from cfpb v Amerisave Mortgage corporation in the amount of XXXX this company was the first company that had my loan back in XXXX. 
when I dialed the number on the check, it has been disconnected and is no longer in service. XXXX when I looked on line and dialed XXXX I was advised by XXXX that my check could no longer be issued.. I am looking to resolve this matter as I am still owed " MY '' money from federal lawsuit in which I was affected as a consumer at the time. 

please advise
Product: Prepaid card

As happened in 2022, I received a prepaid XXXX  card from XXXX XXXX because I am a part of a study they are running on behalf of the XXXX. This time, I received two cards, not just one. 

I tried to set up the two card per Bank of America 's instructions, and at first I was sent to an account I already had on their prepaid card site, and when logged into my account there, I was offered no option of adding these two new cards.

Instead, I had to set up two more accounts, one for each of these new cards. So, once again Bank of America is working as hard as it can to deny people the ability to use these prepaid cards. For a total of {$50.00}, I now have three Bank of America Prepaid card accounts, with individual usernames and passwords. Seems like intentional obfuscation to me.

Oh, and for that first card that they tried to charge me for activating, despite the fact that their system wasn't even working properly at the time, they continue to send me spam emails, reporting that there has been no activity on a card that I exhausted the available balance well over a year ago, heading towards two years now. 

Please, hold these XXXX accountable for pulling these kinds of stunts. If I had a credit card with Bank of America, which I once had until I closed because of the bank 's predatory practices, it was easy for me to set up a single account for my checking, savings, and credit card account, which amazingly were all associated with one and only one account. Bank of America should be required to do the same for these silly prepaid cards. If they are allowed to sell these items into the marketplace, they should be required to make it easy to both manage them and use them. And for the record, they should not be allowed to issue one-time use, plastic cards. If they are going to issue plastic cards, those cards should be required to be ones that people can add value to if they want to do that. That would be in keeping with good environmental stewardship, which the US federal government should be promoting.

Finally, I want to thank you folks for holding Bank of America accountable for all the XXXX fees it was charging people. Now, they no longer charge if someone needs to call in to activate one of these silly cards. So, there is progress here ; but not enough. Too Big to Fail Bank of America is still taking advantage of consumers with its prepaid cards, and that needs to be stopped. I am also on a XXXX XXXX at XXXX XXXX, and amazingly I get a prepaid card from those folks every month. I don't have to set up an account to use those XXXX cards, and it is easy to find out the balance left on them online. So, if one company can do this, Bank of America can do it too. 

I now have three accounts on the Bank of America prepaid card site, all with distinct usernames and passwords. I was forced to offer Bank of America security question answers three times now. 

That is total XXXX, and should not be allowed. That is abuse of consumers, period, end of sentence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX NEW XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXXXXXX EQUIFAX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX BRB/BHG XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX  account XXXX was closed due to inaccurate report of a death indicator. The late payments reported in XX/XX/XXXX & XX/XX/XXXX are not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make nor did I authorize any of these charges. I demand that the items listed be deleted as soon as possible, and correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )
Product: Credit reporting or other personal consumer reports

Account # XXXX XXXX XXXX XXXX XXXX : XX/XX/year>, which you claim LATE PAYMENTS. Amount : {$17000.00} Account # XXXX XXXX XXXX XXXX : XXXX, which you claim LATE PAYMENT Amount : XXXX Account # XXXXXXXX XXXX XXXX  XXXX : XXXX Amount : {$11000.00} appeared on my credit report. Its unlawful to 623 ( a ) 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2. ]
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX16 there was a fraudulent credit card from XXXX XXXX XXXX using my personal information for the amount of {$5900.00} i have filed a ftc report and have contacted the police there was also on XX/XX/XXXX/2024 another fraudulent credit card taking out using my personal information with XX/XX/XXXX for the amount of {$5600.00}. also on XX/XX/XXXX2016 there was a fraudulent credit card from XXXX for the amount of {$10000.00} opened up using my personal information
Product: Debt collection

I had an account with XXXX which was paid thru XXXX XXXX XXXX and i finished paying my account when it was closed but i noticed a couple years later there was a collection on my credit report from XXXX XXXX XXXX. I paid it but it is still showing unpaid on my account. This is an overpayment. I have tried to get it removed with the credit bureaus with no success. Please help me to get this removed as it is effecting my credit score for the home loan I'm attempting to get. Any help would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX Account Name : Bankruptcy # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 instructions 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 card or prepaid card

I signed up with ( NetSpend ) and I called and deputed a transaction..I got banned from using NetSpend then they took 30 days then I got a paper in mail saying that based on the information they had and the facts of their investigation, they found that an error had occurred and my claim was valid for the amounts of the dispute I had filed ... now they are still saying that I can not use NetSpend and that my money is there but they have no way of giving it to me. They keep making excuses but it's been at least 30 day or more process with them. I need to know what to do to get my money.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted trom an alleded identiv then. not ater than & ousiness davs ater the date on receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously. 


ALL of these accounts should NOT be showing up on my report and are indeed fraudulent. The accounts showing up were all mostly opened between XXXX, when unbeknownst to me, I became a victim of the XXXX data breach, and the most recent XXXX breach. I also had a couple of my sisters use my credit unbeknownst to me, and the ones listed are amongst the many they have used to apply for apartments, cars, etc.
Product: Bank account or service

Capital one 360 shut down my savings account and credit card accounts without giving me a reason. I had alot of points on my credit card that I had not used, they even ran my credit which now shows on my credit report. They are not giving me a reason as to why they have closed all my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, Attached is the XX/XX/2021 response letter from BSI Financial Services to CFPB Complaint # XXXX. 

BSI has advised that there was transfer of servicing rights from XXXX to BSI for account # XXXX. 

BSI Financial Services issued the attached IRS Form XXXX  naming themselves as the lender for account # XXXX for property : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Please provide proof of the servicing transfer from XXXX to BSI Financial Services for account # XXXX. 

Please provide a full accounting and all records pertaining to account # XXXX for property : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Though there is reference to the property address, the attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Agreement does not appear to include account # XXXX. 

Thank you for all your assistance in rectifying this IRS Form XXXX reporting matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Product: Credit reporting

Judgment for an unpaid Veterinary Bill showing on XXXX Equifax that has been satisfied and a Tax lien that is being shown paid that should have been vacated on my Credit profile for Equifax XXXX. Please help me, this is the second time these items have prohibited me from getting a mortgage. Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to express my extreme dissatisfaction with the inaccuracies contained in my credit report. Upon reviewing my credit report, I discovered several errors that are negatively impacting my credit score. This is unacceptable and I demand immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. I require the Credit Reporting Agencies to investigate and correct the following accounts from reporting erroneous and inaccurate information on my Credit File : XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$3400.00} XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$410.00}. As we are undoubtedly aware, under Section 611 of the FCRA, it is the Credit Bureaus responsibility to ensure that the information contained in credit reports is accurate and up-to-date. I have fulfilled my obligation by bringing these inaccuracies to the Credit Bureaus attention. It is now the Credit Bureaus obligation to investigate and remove these errors within 30 days, as required by law.
Product: Money transfer, virtual currency, or money service

I am filling 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 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I received a Closing Disclosure from Quicken Loans in XXXX with a closing date of XX/XX/2020. XX/XX/XXXX passed and we did not close until XX/XX/XXXX. My settlement agent said that it was Quicken 's fault for the delay, likely due to high volume of loans at a time of low interest rates. At closing, the origination fee was {$1700.00} higher than the original disclosure statement. It was after hours on XX/XX/XXXX when I signed, and no one was available to explain. 

When I did complain within my 3-day rescission period, Quicken "  slow-rolled '' me by delaying its response until after the rescission period passed. Then my loan officer conferred with his supervisor and agreed that our CD numbers had in fact changed. He referred me back to a XXXX number at Quicken where I eventually reached an executive team member who advised me that my rescission period expired the day before. 

On XX/XX/XXXX, the executive team member told me that he reviewed the facts and that they did not entitle me to relief because they were allowed to change the terms of my loan due to the XX/XX/XXXX closing ( lock-in ) date passing. My complaint is that if Quicken was going to fail to close on the date they selected ( XX/XX/2020 ), and then unilaterally change my loan conditions in order to to keep the same interest rate, they were required to tell me in advance in a NEW closing disclosure statement what the new terms of the loan were. It changed the CD by increasing our loan costs by {$1700.00}. 

In addition, my settlement agent reported difficulty with the processing team at Quicken, and said that she was told to " just put in the numbers the they told her, '' even though she was telling them they were wrong. 

To sum up, Quicken is a big company that couldn't close the loan on time, then raised my origination fee without telling me. Then the big company passed me off from phone tree to phone tree until my rescission period had passed, and afterwards denied me a {$1700.00} credit without explanation. It was dishonest, and what happened to us is exactly what closing disclosures are designed to prevent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015, I submitted payment for my XXXX mortgage via the only option that XXXX XXXX made available to me for sale day payment -- XXXX XXXX. I have a receipt that I paid the mortgage on XX/XX/XXXX at XXXX and that the money woudl be delivered in minutes. For whatever reason, XXXX did not process the payment for an additional day, thus they claim I was late with my payment. I have attempted repeatedly to have them correct the erro, without success. Thier default is that its not when I pay but when they process -- however, I can not control how fast they process -- only when I deliver the funds.
Product: Debt collection

Linebarger Goggan Blair & Sampson LLP, representing the XXXX Department of Revenue, sent me a letter that impersonated an official " notice of judgment '' in the title, and threatened " wage and bank account garnishment, and filing a lien against your home and other property ''. It is not in fact a judgment ordered by a judge, but in smaller print says that " they will soon be making a determination as to whether you are a candidate for further collection efforts ''. This is over a single parking ticket in XXXX from XX/XX/XXXX, originally for {$60.00} for sweet sweeping. In XXXX, the street cleaning occurs twice a month and there are temporary orange signs that are placed on the street. There was not a single sign posted on the side of the street I parked on. Further, the picture they sent in the parking ticket showed that there was no orange sign on the adjacent tree or anywhere else. I took pictures of the signs I did see, on the other side which indicated a different day, and contested the ticket. They denied it and doubled the fine. As a XXXX XXXX I had to drive back to New York for the semester and couldn't contest the ticket a third time because I could not physically go to the XXXX court house. I have paid every other XXXX parking ticket but was upset that the system is so unjust and figured I would pay it if I moved back to XXXX. The lawyers started sending me several letters in the last year that threaten wage garnishment. I called them to ask if that was possible without first going to court where I would explain my case, stating that there is no proof on the city 's end that there were temporary signs up. The operators at LGB & S didn't seem to understand what wage garnishment was. I asked if I could speak to a supervisor or actual lawyer at the firm and they told me no. This letter is incredibly misleading and very scary. What is motivating me to file this complaint is that their client is the city of XXXX, which continues to harass and bully people ( especially people with less money, in which a single ticket like this is a great burden ) after their administrative hearings which themselves are incredibly unjust.