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

1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i : ** - Credit reporting agencies are required to investigate disputes of inaccurate information on consumer reports. The late payment reported in XX/XX/2022 is inaccurate and does not reflect my payment history correctly. 

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) : ** - This section mandates that furnishers of information, such as XXXX/ XXXX XXXX XXXX XXXX must report accurate information to credit reporting agencies. The reported late payment is incorrect and violates this requirement.

3. Truth in Lending Act, 15 U.S.C. 1666b : ** - This law requires that payments be credited promptly as of the date of receipt. The payment in question for XX/XX/2022 was not posted correctly, leading to an inaccurate late payment report. 

Details : In XX/XX/2022, my payment was not posted correctly, resulting in an incorrect late payment entry on my credit report. Despite the account being paid and closed as of XX/XX/2022, the incorrect late payment remains on my credit report. 

I request that the CFPB assist in having this incorrect late payment removed from my credit report. This inaccurate information is impacting my credit score and does not reflect my actual payment history. Please notify all credit reporting agenciesXXXX, XXXX, and TransUnionto update my credit report accordingly and remove the erroneous late payment entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Mortgage account # XXXX, XXXX Account # XXXX, XXXX XXXX bank Account # XXXX, XXXX XXXX bank account # XXXX, XXXX card account # XXXX, XXXX XXXX reporting as deceased, XXXX  account # XXXX reporting as deceased, XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 a Section2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C 1681s-2 ( A ) ( 1 )
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX and XXXX XXXX XXXX
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. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 reporting or other personal consumer reports

I have disputed multiple accounts on my credit reports for inaccurate information. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX are all inaccurate and were returned as " verified '' with no further information provided. I have tried to dispute this inaccurate information multiple times, and nothing ever changes. This has been going on for many years.
Product: Credit card or prepaid card

I put in a dispute with Capital One for a charge of {$1600.00} that I paid for on XX/XX/XXXX for a house rental for myself and 10 other family members on XX/XX/XXXX- XX/XX/XXXX. This dispute is for the sanitary of the house that we had to go to in order to know the condition of the house. I felt that the condition of the house we be above average, especially with COVID-19 now in our society. I provided them with pictures and a detailed statement of the condition of the house. I was advised that I did not provide enough evidence, and my case had been closed. I asked what other evidence I could provide, they did not have any suggestions and told me to contact the property owner again, to see if she could assist me. They advised me of a {$200.00} and {$1000.00} credit that was given back to me and I explained the {$1000.00} was the initial deposit just in case anything got broken that was refundable and the {$200.00} was for the septic system that was not in the house description that backed up in all the sinks, toilets, bathtubs and showers that we could not use for 24 hours. Also, that issue was not included in the dispute details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted mailing in multiple disputes to these bureaus and have yet to receive a response. There are hospital bills attached to my credit that I am not aware or responsible for and have reached collections yet I have received no further information supporting the continuous reported information. This is making it very hard for me to improve my credit and gain the trust of creditors. I reached out to all 3 bureaus by mail XX/XX/2021.
Product: Checking or savings account

I am a stay at home mom, who doesnt work and Bank Of America lied to me and contradicts everything they tell me. 

on XXXX of XXXX I called Bank of America in regards of my account. The representative explained to me he saw some charges on my account. I replied and said I didnt authorize those charges. 

The rep then stated he will submit a refund and within 90 days they will CONTACT THE MERCHANT and after contacting the merchant, they will then make a decision before closing the case. 

On XX/XX/XXXX of XXXX, BANK OF AMERICA reversed the refund which resulted my account being overdraft and they charge me an overdraft fee. ( {$69.00} was the refund ). I then received my stimulus check and because they took back the refund they gave me, my account was in the NEGATIVES and BANK OF AMERICA gave me a credit so My account will be positive again so I can get my full stimulus check. ( if they contacted the merchant and verified the merchant was already paid by my bf, then none of this would of happened ) the temporary credit was for {$43.00} which will end on XX/XX/XXXX ( all of this because no one reached out to the merchant and they caused my account to be in the negatives ) called Bank of America and was told, they NEVER CONTACTED the merchant because there was no urgency. I explained thats NOT what I was told and I was told they would reach out to the merchant before closing the case. 

I was advised that I would now have to submit my documents so they can reopen the case and that it would take up to 45 days I submitted the documents within one week of speaking to the agent. Then was told within 4 business days they would have a decision.

I called back within 5 business days and then was told 10 business days for a decision. I called back again and now was told 45 days again. ( Everyone keeps giving me new days of when this will be resolved ) Now XX/XX/XXXX is close and they will take back the credit of {$43.00} which will make my account go in the NEGATIVES again while they research the claim. For some reason no one can listen to all the calls I made where every agent in the claims department provided different information to me that contradicts what the last person said. And now Bank of America owes me {$69.00} and wants me to pay {$43.00} because of the overdraft fee they caused in my account. 


I was NEVER advised back in XXXX that they needed any documents! No one reached out and explained that I could of faxed them the documents, I only faxed them my documents because the case was reopen since they closed it!
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXXXXXX  Open/closed Closed Balance {$4500.00} XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX XXXX  Account number XXXX Date XXXX XX/XX/XXXX Open/closed Closed Balance {$4500.00} XXXX Account number XXXX  Date opened XX/XX/XXXX Open/closed Closed XXXX {$0.00} XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXXXXXX  Open/closed Closed Balance {$4500.00} XXXX Account number XXXX Date opened XX/XX/XXXXXXXX  Open/closed Closed Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Please block/remove these items : XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX .... Balance : {$2400.00} XXXX XXXX XXXXXXXX XXXX .... Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$510.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$570.00} XXXX XXXX XXXX of request XX/XX/XXXXXXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$2400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$100.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$520.00} XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX  ) # # # # # # # # # # # # # # # XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) # # # # # # # # # # # # # XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX Balance {$510.00} XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance {$98.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received a copy of my credit report and I noticed a inaccurate account on my credit report that is being illegally reported. I sent out letters to the company who was illegally reporting this information on my credit report. According to the Fair Credit Reporting Act 15 U.S.C. 1681 A3, the information that they are reporting is supposed to be excluded from my credit report and they are illegally reporting it and I told them that. I demand this account to be deleted from my credit report. I will file for litigation for this company violating the Fair Credit Reporting Act and they are held civilly liable for reporting this debt. I am also being ignored on my disputes. My information may also have gotten in the hands of the wrong person during the equifax data breach.
Product: Debt collection

On XXXXI got a call from XXXX XXXX XXXX XXXX a man namedXXXX XXXX XXXX This was in reference of a motorcylce i had finance by Harley Davidson Credit. XXXX XXXX first failed to read me my mini miranda rights. Second he was still demanding payment after I told him not to call anymore. He keep asking me that he can help me but never told me how. 
Original I had notified Harley Davison Credit of my situation and NOT to attempt to communicate with me or my family or place of employment about this matter. If unable to settle this all the amount due will be the ten times the amount in a civil, state or federal Law Suit. Please advice me is I should take this matter to a higher legal level. 
Thank youXXXX XXXX XXXX XXXX XXXX, Texas XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts 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 any accounts 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. 

XXXX XXXX ( Original creditor : XXXX DOWNTOWN ) XXXX Balance {$7900.00} XXXX XXXX XXXX ( Original creditor : CREDIT XXXX XXXX XXXX ) XXXX Balance {$810.00} XXXX XXXX XXXX XXXX ( Original creditor : XFINITY MOBILE ) XXXX Balance {$170.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance {$170.00} XXXXXXXX XXXX XXXXXXXX Balance {$28.00} XXXX XXXX XXXX XXXX Balance {$12000.00} JPMCB CARD XXXX Balance {$6800.00} XXXXXXXX XXXX XXXXXXXX Balance {$9400.00} XXXX XXXX XXXX Balance {$720.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX CO XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance-
Product: Mortgage

I am writing to formally lodge a complaint regarding an extremely disappointing experience I had at the XXXX XXXX XXXX XXXX of Ameris Bank on XX/XX/year> at approximately XXXX XXXX. 
I visited the branch to negotiate an insurance check issued to myself and my fianc. Prior to my arrival, I called the branch to confirm the process, and I was provided specific guidance over the phone. However, upon arriving at the branch, I was met with conflicting information and resistance from the branch manager, XXXX XXXX. Despite my efforts to clarify the process, including citing my own experience as a banking professional familiar with high-dollar check negotiations, the manager continuously offered excuses and ultimately refused to assist me. We were only granted service after asking the teller line to speak to the branch manager ; which was surprisingly the person who was helping us. 
I left my contact information with a teller, hoping for a follow-up, but I never received a response. Additionally, when I contacted customer service to file a formal complaint, I was directed back to the branch, which clearly has no effective system for handling customer grievances. 
The complete lack of accountability and professionalism displayed by the branch manager is deeply concerning. Furthermore, the absence of a formal complaint resolution process within Ameris Banks system forces customers into an endless loop of deflection. I will be filing a formal complaint with the appropriate regulatory authority regarding this incident. 
I am sharing this experience not only to highlight the issue but also in the hope that Ameris Bank will take immediate steps to address the lack of accountability at this branch. Customers should never feel dismissed or discriminated against when seeking basic banking services. 
While I will continue my relationship with Ameris Bank solely because my mortgage is serviced through your institution, I will not be returning to this location. 
Thank you for your attention to this serious matter.
Product: Credit card or prepaid card

Barclays Bank has a pattern of applying payments that were received on time after the payment due date, resulting in late payment fees and interest charges. This has happened most recently to me with my XXXX and XXXX payments, but it has also happened previously. This is not a one-off issue. It is a practice. 

This most recent case is typical : my bank says it made payment on XX/XX/XXXX. Barclays own record reveals receipt on XX/XX/XXXX, the due date. Yet the payment is not posted until XX/XX/XXXX, and late fees and interest are charged. 

I have called the company numerous times and written to it twice. Most times, after some back and forth, the charges have been reversed. I believe it repeats this practice with many other customers.
Product: Checking or savings account

After closure of my account, this bank is refusing to send my remaining balance as told to me by XXXX XXXX XXXX  They have claimed to be unable to reach Dept of Us Treasury, to verify my deposit. It has passed the timeframe given and after several attempts to rectify this situation, I am still unable to
Product: Money transfer, virtual currency, or money service

My Cash App Account Was Hacked And Money Was Stolen From My Accounts Through Bitcoin And Was Never Returned
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I received an unsolicited Cash App debit card in the mail. I am not and never have been a Cash App customer. I believe an account was opened using my name, social security number, email, address or phone number. I do not know what the username which the account is using might be, but Id like for Cash App to please close this account. I have been a victim of identity theft and stolen devices, and XXXX and XXXX accounts were also fraudulently opened in my name. XXXX and XXXX have both been very helpful in rectifying these situations, so I am hopeful Cash App will do the same. Please assist me in finding and deleting any account or information attached to my name.
Product: Student loan

The loans taken out during my time at XXXX XXXX have caused me extreme anguish and financial frustration. During my college vist to XXXX we were promised a number of financial options and assistance after graduation.As a XXXX XXXX XXXX the opportunity seemed appropriate. At the time We were promised graduation in 3 years if you maintained enrollment in addition to that the school promised a locked in rate that would not change as long as you were enrolled. What they would do is remove you from your classes and make you re apply and lose the tuition lock in as well as 3 year graduation. I. Addition we were encouraged to apply for loans for living expenses. The financial aid associate was so loving and friendly and really allowed us to trust her. She was trustworthy to me as a XXXX XXXX XXXX XXXX. I had no one. XXXX XXXX was also someone else who I trusted and was in financial aid. He would also encourage us to get loans to receive a refund for living expenses. I did not know and believed this. I have suffered tremendously and continue to struggle as a result. I was unable to graduate from XXXX as they held my transcript. I had to apply to a state school to finish my secondary education. I am a XXXX XXXX XXXX XXXX who often has to decide if I should pay my student loan, put gas in my car, XXXX XXXX or buy food. This is no way to live. I work an office job that allows me to barely make it. These loans have continued to put me in financial ruin and have changed the trajectory of my life and my daughters lives. XXXX XXXX mislead me and sold me a dream that was profitable to them and no one else. They did not meet their part of the contract.
Product: Credit reporting or other personal consumer reports

Im writing to report an issue with fraudulent accounts that have shown up again on my credit report ( XXXX XXXX XXXX and XXXX ). These accounts were deleted after I disputed them as part of an identity theft case. I had already worked with Experian, and they confirmed its removal on XX/XX/XXXX. Now, I see that the same accounts have been reinserted, and I wasnt notified about it. This isnt just frustratingits also a violation of the Fair Credit Reporting Act, which says I should have been informed within 5 business days of any reinsertion. These accounts are fraudulent, inaccurate, and have been causing me unnecessary stress. I need Experian to delete it again and confirm for me that its gone for good. Id also like to know what steps are being taken to prevent this from happening again. Im counting on your help to fix this quickly and make sure my rights under the FCRA are respected.
Product: Credit reporting or other personal consumer reports

inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer repo prepares a consumer report, it shall follow reasonable procedures to assure th possible accuracy of the information concerning the individual about whom the relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In after any reinvestigation under paragraph ( 1 ) of any information disputed by a c an item of the information is found to be inaccurate or incomplete or can not be v the consumer reporting agency shall- ( i ) promptly delete that item of information file of the consumer, or modify that item of information, as appropriate, based on results of the reinvestigation; and ( ii ) promptly notify the furnisher of that informatio the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately