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

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX accessed my credit file with XXXX, EXPERIAN, AND XXXX without my permission. This are a fraudulent inquiries, which I did not authorize On XX/XX/XXXX XXXX XXXX sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report. 

As up to date, XXXX shows the 3 inquiries, and the XXXX   and Experian still show the XX/XX/XXXX. 

Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above. XXXX is neglecting to remove anything, and the other two remove partially. Should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1.  ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported  immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and Experian did, and this in addition to several other inquiries started after the XXXX   data breach publicly known.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/20 Attn : CFPB Consumer Relations Department To Whom It May Concern I am reaching out because as of now, I did not receive any response or notice from three Bureaus Credit Reporting Agencies for my disputes with them. They are stating that these accounts are under investigation. But I still have not received any updated letter from the Beaurus and creditors. 

Inaccurate account information, balances, last payment status, and default dates for all the accounts listed below are being shown. The agencies investigated it, but I did not hear back from credit report agencies and creditor. 

I have listed out the accounts and my reasons for disputing them below. Since this is my second request with CFPB to resolve this matter, I am expecting to receive responses in a timely manner this time. Thank you for your help in this matter. Please see my list for dispute below : Credit reporting agency name : EXPERIAN Alleged account # ( 1 ) XXXX Creditor XXXX   XXXX, account type : Revolving. 

( 2 ) XXXX XXXX XXXX, account type Revolving. 

( 3 ) XXXX Creditor XXXX  account type revolving. 

( 4 ) XXXX creditor XXXX, account type revolving.
Product: Checking or savings account

While trying to establish a trust account for my XXXX assets, Bank of America has continued to ask for additional documents to finish up the process. I met with Bank of America on XX/XX/XXXX at the branch located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX. At this appointment, we were able to establish the XXXX XXXX account to consolidate my fathers assets. Upon leaving the appointment, I felt I was in a good position to move forward with this process. Come to find out, I was wrong. I spoke again with the estates team to move the cash to this newly established account, but this is when things went wrong. I was told there was now a review process to finish up the account and I needed to provide the documents provided in branch again, as they never received them. I had to fax trust documents again to prove I am who I am and to move the process along. This now is another XXXX day process for review. I waited until XXXX to contact the company again to find out if we are now approved, only to learn they need additional documents. I requested the forms to be sent to me, but I never received anything from the bank. Now today, XX/XX/XXXX, I called the bank again to find out why I hadnt received anything to complete their needs. What they decided to tell me was they had sent the paperwork to the wrong person and wrong address, luckily, they are family. The negligence of their actions could have cause more harm than good and we are now at a point there is another waiting period. In speaking with the estates team, they assured me I could stop by a local branch to get the forms and submit them. I decided to stop by the branch at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX to acquire the form. While in the branch, I was told I could not be seen or get help as I had to have an appointment. When I requested the form itself, the individual decided to give me attitude about how to get the form back to the company. He was not helpful and would not provide the paperwork requested. The only help I was able to get was from a rep on the estates team who was finally able to send me the forms by email. So here we are on XX/XX/XXXX, waiting for access to these funds to help pay for expenses we have incurred since my father has passed away only to be met with continued lengthy processes. I have had to continue to take time off and out of my day to try and resolve these issues.
Product: Mortgage

I HAVE REPEATEDLY TRIED TO GET A RESPONSE FROM XXXX XXXX, AND FOUNDATION TITLE & SETTLEMENT SERVICES , LLC BECAUSE THEY HAVE HELPED AND OR BEEN NEGLIGENT AND ALLOWED THE SALE OF A HOME WITH FORGED COPIES OF MY NAME ON THE PAPERWORK. I HAVE NOT EVER SIGNED ANYTHING FOR THEM SO WHEN THEY FIND MY SIGNATURES, THEY SHOULD KNOW THAT 1. THEY ARE FORGERIES AND 2. THE PERSON WHOM SENT THEM THE SIGNATURES IS GUILTY OF A MYRIAD OF DIFFERENT CRIMES INCLUDING REAL ESTATE FRAUD. I WANT COPIES OF ALL RELEVANT PAPERWORK AND ANY DOCUMENTATION ATTACHED TO MY NAME, SIGNATURE AND INFORMATION IMMEDIATELY IN ORDER TO TRACK DOWN ALL POSSIBLE OTHER FRAUDULENT USAGE.
Product: Credit card or prepaid card

Wrote a check from my personal checking account to XXXX XXXX XXXX for the amount of {$4300.00}. dollars to pay my credit card bill for the month. This was the full amount due. My bank statement at XXXX XXXX reflected that Capital One made a {$4200.00}. dollar processing error and only cashed and deposited the check for {$43.00}. dollars which was the minimum due. I called Capital One customer service in which I was told that they could not do anything about it. I had to call back and speak to the Capital One Check Resolution Department which I did. I asked that they send me a copy of the check as my XXXX XXXX XXXX could not provide a copy as it was electronically deposited by Capital One. I needed the copy to balance and resolve my bank statement. They gave me a fax number to which I was to provide the specific check details and they would fax or mail or email the copy of the check back to my attention within 2 business days. I sent this fax on XX/XX/2018 at XXXX XXXX. No reply. So on XX/XX/XXXX, at XXXX XXXX I re-faxed. As on today 's date still no reply. Subsequent phone calls to Capital One customer services reflects that they can not do anything about their non compliance to my faxes.
Product: Credit reporting or other personal consumer reports

I recently discovered that I am the victim of identity theft and have had several accounts, leases, utilities taken out in my name fraudulently. 

I learned his information after being denied for a lease due to information found on my credit bureau reports to which this account was included. I got a police report and a FTC Identity Theft report as well as medical documents detailing my complete medical incapacitation, and information on the perpetrator of the fraud, this was furnished to each of the credit bureaus when obtaining my initial fraud alert and issuing security freezes. I was assured they would block this information from appearing on my report and furnish the businesses with this information so they could take appropriate actions for their companies. 

All went well until recently when Discover Bank decided to assert their right to " reinsert '' information back onto my credit bureau reports stating they had verified the account. I asked both the credit bureaus and Discover Bank for the documentation used to make this determination, but was told the investigation was done and they could provide no further assistance save for a XXXX word consumer statement. 

This account is having serious, detrimental effects on my life. Just taking my immediate situation into account, I am currently unable to obtain housing because of the detrimental payment history and balances created as a result of this identity theft event. After furnishing medical records showing my complete incapacitation, documents from law enforcement, namely a police report and FTC Identity Theft report, and information on the identity of perpetrator and their incarceration I simply can not accept a XXXX word statement for an account I did not open.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was recently used to open accounts in my name using my personal information that was exposed in the XXXX XXXX  data breach. Now someone has been opening accounts under my name and making charges to other accounts without my knowledge. I have contacted the creditors and this bureau several times to notify them of the fraud and there has been no action taken! I am demanding that this information be removed immediately as it is fraudulent. This is an official NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Product: Credit reporting or other personal consumer reports

Please see attachments. 

This creditor goes by so many names : XXXXRetail, which is also XXXX and XXXX XXXX XXXX XXXX XXXX Creditor is confusing consumers. 
Account ending XXXX XXXX Account has been reaged several times over the years- evidence attached. 
Last payment XX/XX/XXXX bank statement attached. 
No payment all of XXXX ; reaging Theres no agreements or even communication between consumer and creditor to reage account. 

Account is inaccurate and incomplete. Different amounts, dates, balances, and activity than other CRAs Also a charge off receiving an IRS 1099C write off a certified letter was sent to XXXXRetail about this previously. 
Also, in collections, so the balance should say XXXX with no activity And account was also paid by the insurance premium in the finance charge This is corporate FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address and names not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation : credit card not mine XXXX XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation : other loan not mine XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XX/XX/XXXXAutomobile Dealers 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX I have no knowledge of this account see cfpb XXXX XXXX # XXXX I have no knowledge of this account CFPB XXXX # XXXX I have no knowledge of this account sent cfpb XXXX # XXXX I have no knowledge of this account XXXX # XXXX I have no knowledge of this account see CFPB was filed XXXX # XXXX The balance and/or past due amount are/is incorrect XXXX XXXX # XXXX I have no knowledge of this account XXXX XXXX # XXXX I have no knowledge of this account sent CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been pretty consistent with pe.ying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see items that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX some inquiries e.s well the.t e.re not mine ALL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and police.
Product: Debt collection

I had a medical debt from 2017 for approximately XXXX dollars which has since been written off from the hospital and has fallen off my credit reports. Apparently they sell these debts multiple times and now they are XXXX  me again for this. I have told them not to call me and they persist. They are rude and use abusive language.
Product: Credit reporting or other personal consumer reports

My account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I requested in writing proof of debt. My information was involved in the Equifax Data Breach. Claim # XXXX. XXXX XXXX XXXX did not send anything one letter stating was valid account. I have not received copies of anything.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

I had my purse stolen which had all my information in it and can't do anything about it. But now I have all this debt thanks to this horrible thing accruing and I don't know what else I can do to get this false collection debt off my credit score. It's really ruining my life.
Product: Debt collection

I keep getting a call from a company called Portfolio Recovery ( XXXX ). I have asked them numerous times not to call but they insist on arguing with me over the phone and stating that they will not stop calling. 

I am being harassed over and over and it is driving me insane. 
could someone please do something about this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention : Transunion Dear Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX XXXX XXXX XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Made on : XX/XX/2020 Made with : Transunion Made by : XXXX XXXX XXXX XXXX XXXX  Made on : XXXX Made with : Transunion
Product: Credit card or prepaid card

Netspend sent me text messages and emails saying that I needed to call in. I called on XX/XX/XXXX and found out that Netspend stopped paying Unauthorized - Foreign transaction is : XXXX XXXX XXXX XXXX XXXX. {$56.00} five times. 

Both the XXXX and XXXX claim that they do not recognize either my Soc. Security #  or my now shut down card account #. 

Being a veteran and having lived in the XXXX XXXX XXXX area for XXXX years, I know a XXXX accent when I hear it. 

The exact same problem happened to my account in XX/XX/2019. But Netspend finally figured it out, and my phone calls to them are ( or were ) not being 'transferred ' overseas, XXXX , PI for example. 

You would have thought that Netspend would spend extra resources to find out that a ROGUE CUSTOMER SERVICE is ripping people off and shut it down, especially their overseas affiliates. 

So I called again on XX/XX/XXXX ( using the XXXX # ) and was then transferred to a supervisor who said she saw that the XXXX XXXX XXXX XXXX XXXX was thought to be 'approved ' per what the initial customer svc rep had indicated. I said that he apparently wasn't listening because each time he asked I said NO, I do not know who this is. 

It should have been obvious to Netspend that these were suspicious transactions since they came one after the other AND the amount was the SAME, until XX/XX/XXXX that says the amount is {$54.00} --. 

As of XXXX XXXX CST, I emailed the President of Netspend giving them 4 hours to correct this or my next phone call will be to the FBI. 

Still waiting. The CFPB should also investigate XXXX XXXX XXXX because they have the legacy phone systems that a poor nation as the XXXX still rely on. Plusm all this nefarious activity came around the time of my Pension Payout from XXXX XXXX XXXX. Fortunately, I did miss that first deadline or my $ XXXX would have been toast, overseas, and without an ability to get at it. 

XXXX XXXX XXXX and I have a 'history ' - and needs to be looked into with a fine tooth comb in regards to XXXX and to my own personal history.
Product: Checking or savings account

I have been using CashApp for a while.. 
its been numerouss amount of time where the money I have one the app vanish the problem is I have been in situtation where I need my funds of the app, and my account balance says i have XXXX dollars, system malfuctioning ... the bad part is the automated system that they are using give you no info on whats going on its literally all automated which causes delays and innacurate accusations no customer support to talk about money cant be rite
Product: Credit reporting or other personal consumer reports

I requested an investigation into errors on my credit report. many accounts had errors such as incorrect balances and charges and date of last activity. i asked them to investigate and instead they just updated all dates of last activity without cause or justification. they did not provide a response to my request of proof of an investigation. they did not provide proof of any kind. This is illegal. I have a right to an accurate credit report.
Product: Money transfer, virtual currency, or money service

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

I was banking with regions and my account was overdrawn and even after paying back overdraft I was still charged excessive fees, I called to learn more info about the fees and why they just stated I used money that wasnt there and it was and was stil charged multiple nsf fees.. my account has been closed and sent to creditor
Product: Payday loan, title loan, or personal loan

Number called me saying im approved and that he needed my bank info and personal info to send me my approved loan. Then made me pay XXXX $ to a XXXX XXXX card and said i would receive my XXXX for sure but after i sent the XXXX $ he said i need to pay an additional XXXX $ for california to accept the transfer to XXXX XXXX, was all a big scam asked for my money back and no answer now.
Product: Debt collection

Alliance one is threatening too garnishment of wages I'm unemployed can't afford too payment
Product: Vehicle loan or lease

Chrysler capital not reporting accurate information. All three credit bureaus not all reporting the same. Lots of errors with reporting balance. Payment dates and closing dates inaccurate. Need to delete or fix
Product: Debt collection

I have submitted four disputes through XXXX online dispute link that was sent to my email within the timeframe ( before XX/XX/23 ). I have not received any additional information from them yet they call me every day. I have also never received anything in the mail from them, only the email.
Product: Money transfer, virtual currency, or money service

I submitted a payment to venmo from my bank account on XX/XX/22. It was deducted from my bank account on XX/XX/22. Venmo said the funds will be available on XX/XX/22 and I relied on this information. I reached out to venmo multiple times and both times I received a, check back later, wish I could be more help, response.