23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I get calls about 5 times a week. Usually, it's just a recording that mentions a person XXXX XXXX XXXX XXXX who is not me saying that I should call XXXX ( the number that calls me ). Caller ID says " XXXX XXXX  ''. Other times, the robocall says nothing when I pick up. 

When I call that number to try to resolve it, it is out of service. So I looked up the number for Real Time Resolutions and spoke to a customer service agent. I explained that there is no XXXX XXXX in my household and to stop calling. They said that have no record of my phone number so there's nothing they can do. 

If a company can robocall you they should have a duty to stop it. I am on the donotcall.gov list. But I think robocallers just ignore that since there is no enforcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have been placing a quarterly 90-day fraud alert with one of the credit bureaus. I rotate among XXXX, Experian and XXXX. I place this alert because I do not want anyone to apply for credit using mine or my wife 's information. <P/>
Suddenly, this quarter, I find that all three credit bureaus refuse to accept my fraud alert. I have tried all three at different times, spread over several days.
<P/>
Of course, all three offer to " lock down '' my credit for a fee -- which, let 's be honest, is nothing more than a protection racket. It 's exactly what the mafia has done to 'mom & pop ' store owners for decades. <P/>This has to stop. It is not right for these companies to gather all of our personal information, and then say, " it would be a shame if someone got this information and applied for credit in your name. Pay us a fee and we 'll make sure that does n't happen. '' How is this not extortion?
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX  on XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$290.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing account for XXXX XXXX XXXX with date opened as XX/XX/20 in the amount of {$560.00}. I did not open this account XX/XX/20. This account was purchased from the original creditor XX/XX/20.
Product: Debt collection

I HAVE CONTACTED PDM AND REQUESTED A FULL DISCOVERY AND COPIES OF A CONTRACT THAT THEY CLIAM I HAVE SIGNED. MY SON HAD RENTED A PROPERTY AND HE GOT A FINAL ACCOUNT STATEMENT EMAILED TO MY HUSBAND OF {$830.00} WHICH HE DISPUTED AND THAN THEY REPORTED TO THE CREDIT REPORTING AGENCIES A BALANCE OF {$2400.00} THEY CLAIM THAT BECAUSE A 60 DAYS NOTICE WAS NOT GIVEN. IN THE STATE OF TEXAS THEY CAN'T DOUBLE DIP AND CHARGE FOR RENT AFTER HIS CONTRACT WAS OVER. I HAVE REQUESTED FOR THEM TO PROVIDE ME WHEN THE UNIT WAS RENTED SO THAT I CAN SEE THE DAYS THAT WERE NOT RENTED.
Product: Mortgage

I have home equity loan with Bank of America. The loan was a 10 year term loan that expired in XXXX, XXXX. Since XXXX, XXXX, I have been discussing with the bank to redo the loan, so in XXXX, XXXX the representative at Bank of America told me the quickest way would be to modify the loan. By there estimates it would take no more than 60 days. Dating back to XXXX, XXXX to XXXX, XXXX, they just recently sent my application to their underwriters. Hence they have reported the loans to the credit agencies as past due, while I have been told to continue to pay the loan and it would not effect my FICO score. This is not the case my FICO score has recently dropped XXXX points from XXXX to XXXX. I have been mislead throughout this whole process and now it has become a serious issue impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with Experian Credit Bureau, my credit report that is reflecting, XXXX XXXX XXXX as closed written off. I disputed this item and the problem was not fixed on XX/XX/2021 and XX/XX/2021. 
I have settled this account as full and provided Experian with the settlement letter. This should reflect as, >Account paid in full ; was a charge off<. Since it was a charge off they are claiming that the account is not satisfied. I have provided all necessary items of the settlement letter reflecting satisfied to all three credit bureau 's. XXXX  has done a wonderful job at updating the pay status to : >Account paid in full ; was a charge off< and left the remarks as is. I am still waiting for the proper time with XXXX  and their process time. However Experian will not acknowledge my documented proof that the account has been satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  keep returning with the same old " that XXXX has certified I owe the debt and they have verified that it is mine '', etc ... 
XXXX has removed one of the charges that are being treated as individual accounts. I'm still waiting on the other three. 
Equifax just comes back right away with their generic responses. As of this date they will not re-investigate my complaints. I only just got their XX/XX/XXXX confirmation # XXXX. 
XXXX on the other hand, has three showing as closed.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX. I am writing to request your assistance in addressing several inaccuracies on my credit report that require correction under the Fair Credit Reporting Act ( FCRA ). After a recent review, I have identified the following issues that need attention : Inaccurate accounts XXXX addresses Unauthorized inquiries Billing inaccuracies I would greatly appreciate your help in resolving these matters and ensuring the accuracy of my credit report. Thank you for your prompt attention to this issue.
Product: Debt collection

I settled the debt and paid My balance shows XXXX but still reporting on my credit as un paid
Product: Credit reporting or other personal consumer reports

Formal Complaint Willful Noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681n ) Regarding False Reporting of XXXX XXXX  Account # XXXX I am submitting this complaint regarding the false and willful reporting of a XXXX XXXX account ( # XXXX ) on my credit report by XXXX, and TransUnion. The account in question is completely inaccurate and baseless, as I have no existing child support case or obligation. The reporting of this account not only damages my credit standing but also directly violates the Fair Credit Reporting Act ( FCRA ), specifically under sections related to the duty to report accurate information and conduct reasonable investigations.

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of information on consumer reports. By allowing this erroneous account to appear on my report, the credit bureaus have failed in this statutory obligation. Furthermore, their failure to remove this account after I previously disputed it indicates a lack of reasonable reinvestigation under 15 U.S.C. 1681i ( a ).

Additionally, the willful and reckless nature of this reporting constitutes a violation of 15 U.S.C. 1681n, exposing the credit bureaus to liability for damages, statutory fines, and attorneys fees. The reporting of this account also creates unwarranted financial harm, as it misrepresents my creditworthiness and undermines my ability to access credit, housing, and other necessities.

I am requesting the CFPB to investigate this matter thoroughly and hold the credit bureaus accountable for their blatant disregard of federal law. Specifically, I ask that : This XXXX XXXX account ( # XXXX ) be permanently deleted from my credit file across all reporting agencies. 
The credit bureaus provide documentation of their procedures and investigations into this account as required under the FCRA. 
The CFPB impose appropriate penalties on the credit bureaus for their willful noncompliance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

Flagship Credit acceptance reported balance {$24000.00} as closed accounts and also pursued to collect a balance of {$46000.00} that are both being reported on all 3 credit beaureaus. The account was once deleted and put back on my credit 15 days ago because of the incorrect information that was given along with the documents I provided showing that my sister used my ID to purchase this vehicle because her husband was a salesmen at the dealership while I was incarcerated. Which has nothing to do with me if Im incarcerated and she used my information and he allowed her to. 15 U.S.C. 1681 is part of the Fair Credit Reporting Act ( FCRA ), which governs how consumer credit reports are accessed and how XXXX XXXX XXXX ( CRAs ) handle personal information. The law states that the banking system relies on accurate and fair credit reporting, and that unfair or inaccurate credit reporting can undermine public confidence and the banking system 's efficiency.

Asking that you once again remove these items from all 3 credit bureaus because this is against the law. The fact that it was taken off and put back on is against the law as well. They also contacted me regarding the matter when the vehicle was never in my possession at all. That too is against the law
Product: Mortgage

On my XXXX credit report sun west Morgage is showing a negative effect on my credit report and that account with sunwest mortgage was not negative in any way..
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up In accordance with the fair credit reporting act cXXXX XXXX  # XXXX XXXX XXXX XXXX XXXXXXXX XXXXk XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction.
Product: Checking or savings account

TD Bank froze my checking while I'm out of the country. I tried to use XXXX and ACH transfer to move my salary over to a checking account at another bank. So there was nothing out of the ordinary prior to freezing my funds. Customer service informed me that that I can only resolve this at a branch. First bank I really don't trust with my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX FACTUAL DATA INQUIRY ON MY CREDIT UNAUTHORIZED INQUIRY ON MY CREDIT REPORT XX/XX/XXXX XXXX  DEALER SERVICES UNAUTHORIZED HARD INQUIRY ON MY CREDIT REPORT XX/XX/XXXX XXXX DEALER SERVICES UNAUTHORIZED HARD INQUIRY ON MY CREDIT REPORT XX/XX/XXXX XXXX XXXX XXXX UNAUTHORIZED HARD INQUIRY ON MY CREDIT REPORT
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp or Block , Inc due to inadequate customer service and unfair practices which violate the consumer financial protection act or CFPA.
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 : FLAGSHIP CRD Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: 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: Credit card

The account was opened fraudulently, all charges are fraudulent. Request proof of debt and legitimacy of charges.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding numerous credit inquiries listed on my credit report that I believe violate the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S.C. 1681 et seq. After reviewing my credit report, I have identified several inquiries that appear to have been made without my consent or under circumstances that may not comply with the law. I am requesting your assistance in investigating and resolving these issues.

Inquiries in Question : Below are the inquiries listed on my credit report that I believe may be in violation of the Fair Credit Reporting Act : XXXXXXXX XXXX XXXXnquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXXXXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Removal Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Removal Date : XX/XX/XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Removal Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Legal Violations : I believe some of these inquiries are in violation of 15 U.S.C. 1681b ( Permissible purposes of consumer reports ), which restricts the situations in which a consumer report can be accessed. These include situations where an inquiry is made without my consent, for unauthorized purposes, or without an appropriate legal basis.

Additionally, 15 U.S.C. 1681c restricts how long certain information, including credit inquiries, can remain on a credit report. Inquiries that have been made improperly should be removed before the legally allowed period if they were unauthorized or incorrectly listed.

Moreover, 15 U.S.C. 1681i mandates that if there is a dispute regarding the accuracy of the information on a credit report, including credit inquiries, the consumer has the right to request a full investigation.
Product: Credit reporting or other personal consumer reports

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, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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. 

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

Last week, I contacted my mortgage servicer, Wells Fargo, to have the ach payment draft changed. After several unsuccessful attempts on-line, I called in. The associate I spoke to assured me she made the changes to the system, keeping my weekly ach payment intact, but removing the additional equity of {$70.00} per payment. She confirmed the next payment ach would occur on XX/XX/XXXX for {$430.00}. Today, the ach payment of {$500.00} was made ( the full amount with extra equity payment ) not once but twice. This has left my family in a financial crisis. I immediately called Wells Fargo and spoke to XXXX of XXXX, MD ( Operator XXXX ) and confirmed the previous customer service rep did not follow the correct procedure. He states the payments will be returned to me, however this will take 1-3 days of processing and then 1-3 days to show up in my account. I do not feel this is fair. The processing and waiting times have left me without any funds for the remainder of the week and I also need to cancel other payments. I do not even know what the overages and additional charges my bank may have from the result of this error. XXXX states I need to mail my statement once i have that information. They will take some time to review and determine if they can reimburse my fees. Again, I feel this extra encumbrance to the customer for what is clearly the company 's error is not acceptable. I am lodging an official compliant and request assistance in getting this matter resolved quickly.
Product: Debt collection

I disconnected my XXXX internet service on XX/XX/XXXX. I have email confirmation of my cancellation of service on XX/XX/XXXX. I have disputed the debt with both XXXX and the collection agencies and requested written evidence to validate the debt. The latest collections agency I C SYSTEM INC has now tried to validate the debt by providing a copy of an old bill dating service of XX/XX/XXXX through XX/XX/XXXX. A copy of an old bill does not qualify as adequate proof of a debt owed. My account with spectrum has been paid in full and is settled.
Product: Credit card

Dear Representative, First, I have been charged three late fee payments when my account has had automatic payments from my checking account for many many many years, and no one from CapitalOne has contacted me regarding this matter. 

Second, the current charges outstanding in the account were disputed as the card was lost, a dispute was filed for those charges on the phone, and a paper dispute was sent by me via USPS mail as requested by the card company. 

Third, the account was closed without contacting me and without giving me a reason. 

Lastly, negative information has been reported in regards to the issues mentioned above to the credit reporting agencies, affecting my credit information due to this inaccurate information.
Product: Credit card or prepaid card

Upon reviewing my credit report, it shows a credit card from Citibank ( cbna ). I own no such card, nor made purchases on card. 

Report indicates a beginning date of XX/XX/2020, and purchase made, then not paid for and my name now has this negative credit history- unresolved. 
It is very ironic this card appeared in my name at the very same month I had to forcibly evict a mother and daughter from our residence. The mother and daughter had both both previously stolen my information and made fraudulent charges. 
The womans name is XXXX XXXX XXXX XXXX the daughter is XXXX XXXX XXXX both from SC.
Product: Money transfer, virtual currency, or money service

The Bank of America is the intermediary bank for my XXXX transfer. They have held on to my funds and not released it without any justification. Here are my details : Transfer Amount {$7000.00} USD Transfer Date : XX/XX/XXXX Days Passed since Transfer initiated : 30 Calendar Days My Bank that sent the funds has reached out several times but the Bank of America has been extremely slow and vague with their responses. 

The amount is still being held by Bank of America and without proper justification. 

They should release the funds ASAP to the beneficiary bank.