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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report. 
Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ). 
Notification of the correction to any person who has received my credit report in the past six months. 

I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Product: Checking or savings account

I am writing to express my deep dissatisfaction and disappointment with the customer service experience I recently encountered when seeking assistance from your institution. 

On XX/XX/XXXX, I called your customer service helpline in order to resolve an issue related to my account. Specifically, I had changed my phone and was unable to access my account as a result. While I am still using the same phone number, I needed guidance on how to regain access to my account. 

To my dismay, the customer service representative I initially spoke with displayed a distinct lack of professionalism and courtesy. Although she made efforts to assist me, she was unable to fulfill my request. Subsequently, I was transferred to a manager representative named XXXX, who exhibited an even more egregious level of rudeness. From the outset, he did not allow me to speak, raising his voice and demanding that I listen to him " before he hangs up. '' This disrespectful behavior left me feeling deeply upset and disrespected. To make matters worse, XXXX proceeded to call me names, such as " stupid, '' before abruptly ending the call. 

Distressed by this treatment, I promptly called back to report the situation to another representative. However, after providing my information, the call was disconnected abruptly. Subsequent attempts to reconnect were unsuccessful, leaving me unable to rectify the issue. This is particularly unfortunate given that it is the holiday season, and my funds totaling over {$2000.00} remain locked in my account due to the representatives ' failure to address the matter effectively. As a result, my family and I are now facing unnecessary hardship during what should be a joyous time. 

I find it highly offensive and utterly absurd that a financial institution of your stature would permit such unprofessional behavior from its employees. I had expected a higher standard of service from your esteemed organization and believe that every customer, regardless of the situation, deserves to be treated with respect and dignity. 

I kindly request that immediate action be taken to rectify the issue at hand and ensure that such behavior is not tolerated within your organization. 

Thank you for your attention to this matter. I trust that you will handle my complaint seriously and take the necessary steps to address the issue promptly. I eagerly await your response. 

Yours sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft the following accounts have not been authorized nor have i given written consent. All of the accounts are indeed fraudulent and they are damaging my reputation and is a infringement of my privacy. please see attachment and remove all accounts listed.
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 violates 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: Credit reporting

I filed a dispute ( # XXXX ) in reference to judgements placed against me that were paid and even faxed court documents verifying judgements were either paid or removed at which time my equifax score was XXXX. I had trouble talking to the people at equifax and asked for a supervisor and that person could not speak XXXX any better and we got into a XXXX match and one week later I see my score was dropped XXXX points without explanation or reason and when I asked for my report they tried to charge me for it even when it has been over a year since I got my last on ( XXXX 2014 ). I feelthey are not being fair in their reporting and have made it impossible for me to obtin a home loan thru my bank and the VA
Product: Credit reporting or other personal consumer reports

According to 15USC 1681EB the consumer has a right to fair credit reporting and published information. The account in question from " XXXX  XXXX XXXX '' attached violated 15USC 1681. It is improperly reporting across all through bureaus. The violation compromises the right of privacy and fines are applicable. I have attached a copy of the consumer credit report for the account # XXXX XXXX  XXXX XXXX XXXX Dates active, credit limits, high amounts, low amounts are all showing inconsistencies along with the actual account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts to update my report for to reflect that I was impacted by the Pandemic and Covid-19. This has made it extremely difficult to meet obligations for the account with XXXX  XXXX which is closed. I did try to dispute and fix with Equifax, XXXX, and XXXX refuses to add the affected by natural disaster or Pandemic to this reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX account listed on my credit report erroneously. Each bureau reports a different date last active. 

XXXX is reporting acitivity under the payment history while reporting it charged-off and they also report the date last active as current ( XX/XX/XXXX ) which means it's illegally re-aged XXXX reports the the date last active as XX/XX/XXXX. That means the account is illegally re-aged. Experian reports hte date last active as XX/XX/XXXX. 

if this account has really been verified they would all be reporting the same information and also be reporting the correct way but it's completely not correct and it's violating the FCRA on every level.
Product: Bank account or service

I was the victim of a scam six years ago for a large sum of money. I was sent fraudulent checks, which I was not aware of at the time, and my bank cashed those checks out to me even without the necessary funds to cover the checks. Thinking that this money was from a legitimate employer I cashed the checks and I sent the remaining money as they had asked. I was still in college at the time. Bank of America closed my account and made me pay the money back through a debt collector. Worried that my credit and reputation was at stake, I setup payments and paid all the money back. Still any time that I try to open a new bank account, I am rejected even though I have good credit and no other complaints on my history besides this one incident. I am always told that I need to talk to the " Risk Department. '' They then tell me that there is nothing they can do to remove my name off the alert and have me contact the XXXX ( XXXX ). When I call that companies customer service they tell me that there is nothing they can do and that Bank of America is the company responsible for removing my name from the list. Thankfully, I was able to get an account with another bank by starting out with a very limited savings account and was allowed to have a checking account after we " developed a relationship '' and I was put on a trust list with their bank. I can not even be added to my wife 's Bank of America account due to this issue. My credit score is really good and we are looking to buy a house soon. My loan specialist really wants both of our names on our bank accounts. Because this has been such a hassle, my wife is probably going to have to close her account with Bank of America and put all of her savings into my account with my bank ; therefore creating more work for her. My wife 's account is where the majority of our financial savings lies and we need to be able to show that for the home loan we are applying for. I do not understand why I am not able to be cleared even after I have paid all of the amount of the scam off. Though bank error was also a fault in the issue, I paid all of the Claim amount to the debt collector by XXXX of 2012 in order to try to reestablish my reputation.
Product: Credit card or prepaid card

This is in regards to the CFPB complaint XXXX I filed on XXXX/XXXX/XXXX that CFPB closed without resolution. 

American Express admitted to their mistake and said they would resolve this matter on or before XXXX XXXX XXXX. They have not resolved this issue and have not made any effort to resolve it. 

I am still waiting for my XXXX XXXX XXXX points.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX To Whom It May Concern, I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also with a PAST DUE BALANCE of {$500.00}.

This is a violation of requisite XXXX  Complaint reporting standards. 

According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please IMMEDIATELY remove the account from my credit report and send me an updated report showing your compliance with all XXXX  reporting standards and this account removed upon completion. 

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

I have disputed the late payments on XXXX XXXX XXXX   account. Experian refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Money transfer, virtual currency, or money service

I have all evidence for myself if needed from my statements. I made one order from XXXX on Thursday, XX/XX/XXXX. I do not have any other orders displayed on my only XXXX  account after or before this. Ive only used XXXX once and afterwards I started using XXXX. As I go through my statements after being denied a refund from my bank, I see transactions start again in XXXX. I also had {$110.00} worthy of money taken from my purse at work. I never thought to check my cards because I work with teens. XX/XX/XXXX two purchases were made on XXXX. One was for {$68.00} and the other for {$29.00}. Then on XX/XX/XXXX it was {$19.00}. I never even signed up for a free trial with my account. On XX/XX/XXXX I had a {$9.00} transaction for a XXXX XXXX. I had no more charges for food order, but I was charged every month until I noticed the transaction in XXXX for the XXXX XXXX, same amount of {$9.00}. My bank denied me {$160.00} for all unauthorized charges because they were authorized by me or made by someone who had permission to use the card or account. I never gave anything permission to use over {$150.00} of my money. My bank ( Bank of America ) said they gathered information from my merchant, but no food was delivered to my address, there isnt any of these transactions under my account, and I never personally signed a receipt or contract with anyone. You cant assume I let someone charge my card if I say I never did that. I would never let anyone continue to use my debit card for 5 months after I used XXXX only once myself then try to be the money back from my bank. It makes no sense.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following account in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX  XXXX XXXX Balance : {$2900.00}.
Product: Credit card

I had a American Express business card since 1995 and the interest rate was okay and I always paid on time. Now they have jacked the interest rate and make this bill almost impossible to be paid off. This is wrong and I do n't need this card anymore. I do n't have the business anymore. They are charging XXXX a month in interest. With interest being at a low for a long time I never realized they were charging that kind of interest. Please advise what to do with this kind of practice. It 's a crime to be treated with this kind of billing practices. You can never paid this off with regular monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX, IL, XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX  XXXX Date Opened : Open Date XX/XX/2020 Balance : {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX   XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is all my files and dispute I have sent to Experian they have constantly and consistently violated federal law I have not received any notice in regards to my investigation and have not received no information to substantiate any information on my report this is very frustrating I have not been able to get my home a affordable car and this has cause emotional distress for me and my family
Product: Mortgage

last XXXX around XXXX we where coming out of XXXX which we never needed but somehow where part of it.Thats another long story. Freedom Mortgage mailed us All Documents to be sighed and notarized with all new rates and new restructured payment, Our Notary Person noticed XXXX names attached to the loan. We never heard of the names or ever meet the persons in XXXX XXXX XXXX XXXX and XXXX XXXX. which you will see in attached photos. I still have the raw documents in possession. 
When we contacted the point of contact XXXX from Freedom Mortgage he said thats how its done now and we need to sign or we will default on the loan. We called him out in a scam and we never heard back from him or Freedom Mortgage office. Months later we even gave Freedom Mortgage another chance and to refinance with them since they Have all of our info and it would be much easier and quicker. You would think XXXX. Again that another long story but XXXX make it short. They started the process but drop us without any explanation. I do have an dkept all the email transcripts between the loan XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in violation of numerous consumer rights including : 15 USC 1692 - Fair Debt Collection Practices Act 15 USC 1681 - Fair Credit Reporting Act 15 USC 1601 - 1667f - The Truth In Lending Act 15 USC 1691- The Equal Credit Opportunity Act 15 USC 6801 - 6809 The Gramm Leach Bliley Act I have reached out various times to dispute and inform XXXX  of incorrect information being reported as well as to report the numerous violations that have occurred along the way. When I asked representatives how and when the information was validated they told me that XXXX didnt and doesnt validate information before its reported. I advised that they are to adhere to the rules of the FCRA and they advised that they dont have to check the validity of any information before its reported. 

I also advised XXXX that I never gave my written permission or instruction to generate or furnish information about me as needed and identified by the FCRA. I asked for assistance in resolving the issue and each time I call in Im transferred to dead air or hung up on when I recall my rights under the statues and guidelines as set forth with myself being the original creditor and debtor. 

The accounts listed below are in violation : Nelnet Student Loans ( 2 ) - payment history is inaccurate as Ive never been late - different reports show 90 days late on different months and Ive NEVER been late as loans were on a forebearance plan - never authorized information to be reported XXXX  XXXX - never had a charge off account XXXX XXXX XXXX - not my account ; was victim fraud - have provided info FTC report/ police report to XXXX XXXX account removed by other agencies by not XXXX XXXX never authorized permission to report XXXX XXXX XXXX XXXX XXXX ( 2 ) - not late on account - payment history incorrect - never authorized permission to report
Product: Debt collection

I specifically instructed the debt collector to cease contact with me, and they have continued to send me harrassaing letters demanding money from me that I do not owe to them. I have no business with Unique Management Services, and I have told them this.
Product: Debt collection

the guy said my credit card number so many times I had to ask him to stop saying it he had it the first time. he gave up the expiration date and the XXXX digit code om the back. if i get any unwanted charges on it it came from them
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I complained about Equifax, XXXX & XXXX but now there is more. Short overview. I sold a house XX/XX/2018. XXXX  XXXX reported it to all the credit bureaus which they deny & arent even trying to correct this & help me. Their credit reports they made about me has proof that I no longer make payments. But instead of them seeing I no longer make the automatic payments anymore they are saying I am now 3 payments delinquent on this account I no longer have. They are ruining me. All they do is lie to me & say they cant help me. I have a letter from XXXX XXXX showing a XXXX  balance. I saw a document on one of the bureaus that stated I have a XXXX balance with them but yet that same bureau shows I owe XXXX XXXX over {$58000.00}. 
I will enclose my letter from XXXX  XXXX that states I owe XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the 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 information relating to any transaction by the consumer. 

A copy of my Bank statement, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking this account is inadvertently resulting in me being extorted.