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

In   XXXX   we received a letter for  XXXX  stating that we had applied for an  XXXX   XXXX   XXXX  card. We had not. We called  XXXX  and they blamed us by stating that we 'clicked a button ' at  XXXX   XXXX  initiated the request. They told us that they would close the request.     Last week we received another letter from  XXXX  that has exactly the same information. Today I pulled my credit report and am shocked to see that  XXXX  has continually been running credit inquiries. These inquiries have brought my credit score down.     The inquiries from  XXXX , which I did not initiate, were on these dates :  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  I would like help to have those inquiries removed from my Credit History since I did not initiate the requests. In fact, I checked with  XXXX  and in order to initiate the request an application must be filled out. I never filled out an application because I have no interest in having a  XXXX  Credit Card from  XXXX . Thus this is a repeated fraudulent request. Can you assist with resolving this so that my  XXXX  History is fixed and does n't continue to drop?     Thank you.
Product: Credit reporting or other personal consumer reports

I notice some unauthorized inquiries on my report from XXXX XXXX bank and XXXX XXXX XXXX XXXX. Please remove these inquiries as I did not give permissible purpose for anyone to pull my report.. attached is an ftc report please remove immediately.
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 and caused significant inconvenience and financial lost, and I seek appropriate redress for these violations.
Product: Mortgage

Roundpoint Mortgage Servicing just purchased my mortgage loan. They sent a letter stating I need to make the first payment, after that going forward, they will set up auto deductions from my checking account for next month 's payment due XX/XX/XXXX. I did as they requested and forwarded XXXX 's payment to them which they cashed. Then a week later, they debited my checking account for a second XXXX 's payment, which resulted in two payments and overdrew my checking. I tried to stop the payment through my bank, they said Roundpoint would have to stop or reverse the ACH. The same day I called Roundpoint to stop payment and they did nothing. They requested for the letter I received and said they could reverse payment if they received it. Today, XX/XX/XXXX, they received payment. I called several times and spoke to different reps ; one refused to assist and wouldn't allow me to speak to a manager, the second rep hung up on me. Another rep said he would leave detail notes on my account and a supervisor will call me back. No response. When I told him that I spoke to XXXX yesterday that was also suppose to leave detailed notes and the funds were to be returned electronically, he said he didn't know about that. From Roundpoint wrongly debiting my checking account twice has left me overdrawn. 

Thank you very much for any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$6400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5500.00}
Product: Checking or savings account

My Pay feature, shows I owe {$42.00}. I do not owe a balance. It states I did not have any qualifying deposits since XXXX XXXX, which is not true.I 've had a deposit on XX/XX/XXXX, and another on XX/XX/XXXX from my XXXX XXXX payments. My statement shows I have a {$0.00} balance, and shows I did have not any qualifying deposits, but im told I have a credit limit of {$120.00} available. But I'm not able to access this because they keep saying I owe a {$42.00} balance. None of this makes sense and it's been XXXX  months I've been calling to have it resolved. Nothing is being done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX Original creditor : 12 XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX DE XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. CROSSCOUNTRY on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

Well Fargo bank is showing i am 30 days late on payments.
Product: Bank account or service

On M & T Bank 's official website, it was offering a {$150.00} bonus when you open a MyChoice Checking account by XXXX XXXX, 2015. Since this is a public offer so there is no mailer required to open an account. I opened my account on XXXX,2015 and also set up the direct deposit with amount of {$100.00} to satisfy this bonus requirement. I sent a message to M & T bank online customer service to check my bonus status on XXXX XXXX, 2015. M & T bank 's CS confirmed that I am qualified for the bonus and all I need to do is wait for 90 days after the initial direct deposit which was XXXX,2015. 

I waited to XXXX XXXX, 2015 and I did not see any bonus on my account. Therefore, I messaged M & T bank CS again. To my surprise, the CS declined my request by saying I am not qualified and I need to have a mailer with the bonus to bring to a branch to verify my status. M & T bank always puts up this type of promotion on its official website and no mailer is required to open on account online. For example, if you go to XXXX, you can see the current promotion they are running. NO mailer is required. 

I strongly believe the customer service from M & T bank was lying to its customer and tried to avoid fulfilling the promise they made to award the bonus. I have attached the confirmation message sent from M & T confirming that I am qualified for the ongoing bonus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX TO WHOM IT MAY CONCERN, THIS IS ABOUT THE INACCURACY THAT IS INEQUITABLY FURNISHED BY YOUR ORGANIZATION ON MY CONSUMER REPORT. DUE TO THIS INACCURACY, MY RIGHT TO EXTEND CREDIT HAS BEEN DAMAGED TO A GREAT EXTENT. AS A RESULT, I WAS DISCRIMINATED AGAINST AND REFUSED THE FOLLOWING : 1. CREDIT CARD FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCORDING TO 15 USC 1681 ( A ) ( 3 ), CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMERS.

THERE IS NO SUCH LAW THAT STATES ANYTHING THAT NEEDS TO BE REPORTED TO A CONSUMER REPORTING AGENCY, THEREFORE YOUR ORGANIZATION IS LIABLE.

FURTHER, PURSUANT 15 USC 1681 ( A ) ( 4 ), A CONSUMER REPORTING AGENCY MUST EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY. 

YOUR ORGANIZATION NEITHER EXERCISED ITS RESPONSIBILITIES WITH FAIRNESS AND IMPARTIALITY NOR PROTECTED MY RIGHT TO PRIVACY. 

I AM DEMANDING, UNDER PENALTIES OF PERJURY, FOR YOU TO GIVE ME A PIECE OF EVIDENCE THAT THE INFORMATION WHICH IS BEING REPORTED HAS BEEN PROPERLY INVESTIGATED. ALSO, PROVIDE ME WITH THE DETAILS OF THE SYSTEM ADOPTED BY YOUR ORGANIZATION TO DETERMINE WHETHER THE TRANSACTION TOOK PLACE OR NOT PURSUANT TO 15 USC 1681 ( A ) ( B ) YOUR ORGANIZATION DID NOT ADOPT SUCH PROCEDURES THAT MEET THE NEED OF COMMERCE FOR CONSUMER CREDIT. AS A RESULT, I HEREBY DEMAND TO DO THE FOLLOWING : 1. DELETION OF THE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX DELETION OF THE ACCOUNT XXXX XXXX XXXX XXXX XXXXXXXX SINCERELY, XXXX XXXX
Product: Credit card or prepaid card

Company # 1. Bank of America : I am very concerned regarding the serious possibility that Bank of America have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for them, BK OF AMER, was placed within my XXXX credit file in XXXX, 2022. 

The Act specifies that they must document their reasons for requesting my report and, when in error, remove them as well. 

In the process a new frogelent credit card was opened on my name by XXXX XXXX Credit Card company which I never requested and received. 

I am depending upon BK OF AMER to follow the statute : Either provide documentation that the law was followed by researching the matter at once, or remove this offending inquiry as soon as possible. 


Company # 2 XXXX Credit Bureau Why does an inquiry for Bank of America ( XXXX XXXX ) appear on my credit report? Aren't they aware that they must enforce the permissible purpose provision of the Fair Credit Report Act? 

I requested XXXX Credit Bureau prove it to me that the inclusion of this inquiry complies with this Federal Law, or remove it Yours truly, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have an " XXXX XXXX XXXX '' credit card through Bank of America. When I acquired this card in XX/XX/2019 I immediately set up autopay for " amount due '', assuming this would pay the monthly balance not including pending charges. The other options were " minimum amount due '', " account balance '', and " fixed amount ''. I recently logged into my account and found that I have been paying the minimum amount this whole time. I called Bank of America and was told that " minimum amount due '' and " amount due '' are the same thing. I would never have chosen to pay the " minimum amount due '' because I don't want to rack up a huge balance and pay interest on that amount. I feel it is deceptive if not fraudulent to include these two options along side each other when they are the same. I have been paying hundreds of dollars in interest and it's not fair.
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 how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX 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 that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX  Balance : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance : {$680.00} ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request a request to EQUIFAX to have all fraudulent inquiries removed as well as inaccuracies investigated and reinvestigated on my credit report. I tried to correct these inaccuracies with EQUIFAX starting from XX/XX/2021 up until now. I submitted a complaint to their company through here on XX/XX/2021 only to receive notification that they didn't know who I am. So here is where I stand since. On XX/XX/2021. I have sent EQUIFAX a certified letter with all disputes I have sent off this year. I also sent an AFFIDAVIT OF TRUTH which has been notarized by a state representative official. I also invoiced them for many willful and negligent violations. This is causing grave harm to my character and reputation. My next step is to file in federal court. I have tried. The only new things I have attached is my AFFIDAVIT OF TRUTH, the invoice, and the certified letter receipt. They have everything else.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Bank account or service

I closed my account at Huntington Bank in XXXX on XXXX XXXX XXXX and they kept it open and continued to bully me through unauthorized usage of my account which is unknown
Product: Debt collection

I have to file a new complaint to show this evidence. This company sent me a letter stating that they will lien my property for {$280.00}. Yes {$280.00} when A ) i worked so i know my taxes will pay it. 2 ) we can't even seek XXXX  debt consolidation to consolidate the tax owed because it has to be over {$5000.00} and {$280.00} is so low. Yet you are being harassed and threatened with liens for {$280.00}. This company is a fraud. I will sue. People will pay with taxes this low payment. Look at the attachment yo.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my experian and XXXX report, there is an error stating that I have an open account in collections and that it was " paid less than full balance '' and I paid in " full balance ''. This does not show on my XXXX report however. I contacted XXXX XXXX  and they also informed me that they contacted the merchants to have it removed. 

This is error is causing me a great deal of stress in regards to obtaining a home loan through the veterans affairs ( it showing that I have series delinquency spanning two plues years ) XXXX did not help me one bit and at this point I feel like I'm wasting my time with them. Furthermore, XXXX also has my birth year listed as XXXX when my actual birth year is XXXX.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX ( the Company ), which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to the fraudulent investment firm.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite intially available funds. I believe these practices are unfair and request an investigation into my account they also deleted my checking account after i submitted my first complaint about Navy Federal Credit Union.
Product: Debt collection

I noticed a {$730.00} bad debt on my credit report. I disputed the debt with XXXX and provided the information they requisted and the letter fron the Social Security Admin that someone was using my SSAN. 

XXXX contacted me and stated they were writting off the debt and it dissappeared from my credit reeport. 

Now 2 years later, I noticed A Jefferson Captial Sys. placed a dept collection notice for XXXX for {$730.00} on my credit report. They have not contacted me in any way to state they are collecting the debt. I contacted Jefferson and requested proof of the debt. When I was talking to them they requested all my personnal information. The line was a open line and could hear several people taking in the background. I refused to state my information they said they already had on a open non-secure line. 

Jefferson contacted my wife and demaned she give them my contact information. She gave them my phone number and repeated the request for proof of the debt. Three months later I have not received anything or a phone call from from Jefferson or XXXX. 

These people are fradulenty affecting my credit and refuse to prove the debt is mine or contact me in any way.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear SUNUPFIN, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and XXXX identity theft and credit reporting laws. 

It has unequivocally come to my attention that SUNUPFIN has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Under Missouri law, particularly in accordance with Missouri Revised Statutes Chapter 570 ( Fraudulent and Deceptive Business Practices ), identity theft and the unauthorized use of personal information, including credit reporting without consent, is strictly prohibited. Missouri law also imposes civil liability for violations of consumer protection and identity theft statutes.

I assert with unwavering certainty that I have not provided consent for SUNUPFIN to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for both federal and Missouri state laws.

I demand, with the utmost certainty, that SUNUPFIN immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri 's identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including Missouri 's identity fraud and consumer protection statutes.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that SUNUPFIN will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau to whom May Concern I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. All Hard Inquiries .. My social Was stolen back in XXXX And a lot of inquiries I have was not made by me I repeat Not done by me. I would like a fair investigation To get all hard inquiries remove or I would Follow this letter up with Cfpb Sincerely 1. ( XXXX ) XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXXXXXX XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX  XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX
Product: Credit card

I recently received an offer from Capital One for a new credit card that advertised a 0 % APR on both purchases and balance transfers. Understanding that terms might change upon approval, I proceeded with the application. 

After my application was approved, I received an email from Capital One confirming the approval of my credit card with a credit limit of {$10000.00}. The email also included the following terms : A 0 % introductory APR on purchases and balance transfers for 9 months A 29.99 % variable APR after the 9-month introductory period However, upon reviewing the official documents and checking the terms in my Capital One app, I discovered that the 0 % APR for balance transfers was not honored. Despite the approval email clearly stating that both purchases and balance transfers would have a 0 % introductory APR for 9 months, my actual account terms do not reflect this offer. 

I contacted Capital One to address this discrepancy, and they escalated the case. However, even after the escalation, they have not honored the terms stated in the approval email. This inconsistency between the initial offer, the approval email, and the final terms has caused significant confusion and frustration.