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

On XX/XX/XXXX, I sent a letter to Transunion disputing inaccurate information on my credit report. They sent me a letter stating that it was verified. I then sent a follow up letter on XX/XX/XXXX asking how was a bankruptcy verified if I contacted the courthouse, spoke to Ms. XXXX XXXX at XXXX on XX/XX/2021, at XXXX and she stated that they do not do any business with the credit reporting agencies, hence, they do not report anything to Transunion ? So, how did they retrieve this information if the US Bankruptcy of XXXX Georgia did not provide such information to them. This unverified and inaccurate information they are reporting has made me paid several thousands more in interest and is preventing me from getting approved for a mortgage. 
I filed a complaint with CFPB, they stated that they would complete another investigation. 

On XX/XX/2021, I contacted Transunion at XXXX XXXX XXXX XXXX , spoke to XXXX XXXX whom stated that she did not have an employee number ( She only has her name and picture on her ID ) to obtain a status on said investigation. Ms. XXXX stated that, a letter was mailed to stating that the account was verified. I then requested that she tells me who it was verified by, she stated that it was verified by The US Bankruptcy of XXXX Georgia. I followed up with whom they spoke to at the courthouse, she stated that she does not know, and that she would transfer me to her supervisor. 

Ms. XXXX transferred me to Mr. XXXX XXXX, whom also stated that he did not have an employee number. I relayed what Ms. XXXX stated to me, and asked that he provides me with his method of verification of this inaccurate information that they are reporting on my credit report. Mr. XXXX stated that they contact the creditor or the Lender. I proceeded to ask him Mr. XXXX who if the US Bankruptcy of XXXX Georgia does not report information to them. He then stated that it was verified through a third party lender who obtained the information from the courthouse and provided it to them. I asked him who the third party lender he obtained inaccurate information from, he stated that he could not provide me with the name of the third party lender. 

Now, I am extremely confused, irate, anxious, and emotionally exhausted about the inconsistent information that i keep receiving from Transunion about this inaccurate and unverified item they keep reporting on my report. This has prevented me from getting a mortgage loan, caused and still causing me to pay several thousand of dollars extra. They are to report 100 % accurate and verifiable information on my account!

I demand that they delete this inaccurate and UNVERIFIABLE account from my credit report for failure to conduct a proper investigation.

Item : US Bankruptcy Court-Chapter XXXX Bankruptcy
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 an address fraud on your platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDEQ FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. 
Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the XXXX ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swifly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''. I am also requesting to be mailed a new credit report to my address of record above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence 2. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$3100.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report 3. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation 4. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Equifax sent a copy of my credit report which included results from an investigation into accounts that were established without my knowledge or consent. Prior to receiving a copy of my credit report, on XX/XX/2018 I spoke with a representative at Equifax XXXX in the Fraud department who advised their verification procedures only included ; a consumers name, address, and social security number. I was told Equifax uses an electronic verification system or a system known as XXXX which performs off of computer generated codes. I advised the representative, that is not 100 % accurate and reasonable verification. I then asked to speak with a supervisor and was told that a supervisor would tell me the same thing. I then insisted on speaking with a manager and was placed on hold for approximately 20 minutes before I had to disconnect the call. In addition, upon Equifax being notified the accounts in question were established through identify theft, Section 609 ( e ) ( 2 ), a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity, evidencing any transaction alleged to be a result of identity theft to the victim. Equifax is in violation of the FCRA by not providing an original application with my signature obligating me to the accounts that are in dispute.
Product: Credit card

This account is with Gap/SYNCB. I have never opened this account and it has a pay history. I want it removed and they have not. Please have it removed as I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX 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 XXXXXXXX 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, 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 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 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, credit repair services, or other personal consumer reports

E arly Warning continues to list an account I had with XXXX XXXX XXXX as fraud-related. I 've attempted numerous times to have this negative listing removed to no avail. I 've initiated disputes with Early Warning and XXXX XXXX XXXX and both have refused to remove the inaccurate listing.
There is no evidence of a debt owed and no evidence of fraudulent activity. I 've contacted XXXX XXXX XXXX and they have either refused to provide any documentation or they are unable to provide documentation proving the claim or the accuracy of the negative item. The listing remains inaccurate, incomplete and not verified.
My last communication with Early Warning was on XXXX XXXX 2017, in which I requested removal of the XXXX XXXX XXXX account. To date, this negative listing is still on my consumer report and is severely impacting my banking abilities.
Product: Money transfer, virtual currency, or money service

Heres your revised message with the additional request included : Subject : Unauthorized Cashing of My XXXXBank of America Check Dear CFPB , I previously filed a complaint with complaint number XXXX regarding an ongoing issue with Bank of Americas Prepaid Department XXXX My check was intercepted and cashed without my authorization. Unfortunately, I recently received an email from Bank of America stating that my claim had been resolved and denied. 

I was baffled by this decision, so I called Bank of America and spoke with a representative this morning, XX/XX/XXXX. The representative informed me that my claim was denied because I did not provide the check number and check date on the form they had sent me. However, I was not in a position to provide this information, as the check was intercepted by someone else. 

During the call, the representative provided me with the missing details : Check Number : XXXX Check Date : XX/XX/XXXX They advised me that I could now resubmit the Fraud Statement of Claimant with this information. These were the details that were missing from my original submission, and they were only provided to me today by a Bank of America Prepaid Department representative. 

I am writing to formally report that my XXXXBank of America check was compromised, leading to unauthorized transactions made without my knowledge or consent. When I contacted customer service to check my account balance, I was informed that my remaining balance was XXXX dollars. However, before my check was intercepted and cashed, my previous balance was {$12000.00}. I did not authorize or initiate any of these transactions. 

This unexpected and unauthorized activity has left me deeply concerned about the security of my account. I respectfully request an immediate investigation into this matter and ask that my account be safeguarded from further unauthorized transactions. 

Additionally, I would greatly appreciate it if this ongoing situation could be resolved promptly and if a replacement check in the amount of {$12000.00} could be reissued to me. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Dear Sir/Madam, I opened a 5-year CD with BMO Harris Bank on XX/XX/XXXX. BMO withdrew the principal of {$100000.00} from my checking at XXXX  XXXX XXXX on XX/XX/XXXX. BMO sent an email confirmation of receipt on the same day. The terms of the 5-year CD are the following : CD term : 60 months Interest Frequency : quarterly/every 3 months after the last pay Interest payment method : XXXX. 
Interest rate : 4.162 % Interest APY : 4.25 % Maturity Date : Date : XX/XX/XXXX Last Renew Date/Opening Date : XX/XX/XXXX. 

The first 3-month interest period was from XX/XX/XXXX to XX/XX/XXXX, comprising 92 days. Based on my calculations, the total interest accrued for the period should have been {$1000.00} ( vs. {$1000.00} BMO deposited for the period ). 

When I contacted BMO Harris Bank regarding the discrepancy on XX/XX/XXXX, I was passed on to multiple departments and representatives in a total of one and a half hours. The Everyday Bank Specialist admitted that the first 3-month interest of {$1000.00} deposited to my CD was incorrect and that my calculation of {$1000.00} was the right amount. However, the Everyday Bank Specialist said he could not make the correction because it had to be done in the system from the back office. 

When the bank 's back office was contacted, the system department was unable to correct the problem either, and I was told that I would have to visit a BMO branch to get my money back. As I live in XXXX XXXX, TX, which is thousands of miles away from XXXX where the bank is located, this is an unreasonable and unacceptable solution. 

I was eventually transferred to a Solution Specialist named XXXX, who said she would also have to reach out to the back office. However, when I asked her to send me a written response regarding the issue when she heard back from the back office, she said she could not send any written response or email but would call me back in 5-7 business days. But that phone call never came.

I followed up again with BMO Customer Service and was told the correction could only be made by the back office and customer service representatives could not make any corrections. It has been more than a month since I contacted the BMO for the discrepancy, and things went nowhere. The issue remained unresolved. 

I hereby request your help to have BMO Harris Bank refund my {$41.00} shortchanged for the very first 3-month interest deposit. More importantly, BMO Harris Bank needs to make sure the system setup was correct going forward as it is a 5-year CD. If the first 3-month interest was erroneously calculated, it will impact the interest compound for the remaining term of the CD ( 4 years and 9 months ).

BMO Harris Bank has a responsibility to correct its mistakes promptly and transparently. I appreciate that CFBP would investigate this matter and take appropriate action to ensure that BMO Harris Bank complies with federal regulations and treats its customers fairly. 

Thank you for your help and attention to this matter.
Product: Debt collection

THE XXXX XXXX XXXX {$420.00} has been disputed by me for years and I was I told 3 months ago that it was sold to NATIONAL CREDIT ADJUSTERS which flagged my account as Collections on XX/XX/2020. 

I never received a statements and when Ive called to find out the information on the account, the name that they have listed isnt mine nor is my social accurate. Ive called the card company and was told it was charged off 2 years ago, and now I get an alert today saying now, the account is in collection. Ive disputed this amount and account with XXXX, XXXX, and XXXX, and they referred me over to FTC. I have worked hard in building my credit and this inaccuracies has brought my score down drastically. The account is on my report twice. One as a charge off and now as in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN CONTINUES TO REPORT THE ACCOUNT WITH XXXX= XXXX XXXX as delinquent. This account was paid in full through XXXX XXXX XXXX XXXX XXXX XXXX XXXX reference number XXXX XXXX in amount of {$1000.00} on XX/XX/2020. Please remove reporting. 

Same goes for XXXX and XXXX. Thank you
Product: Credit card or prepaid card

On XX/XX/21 at around XXXX XXXX  I went to Bank of America ATM machine to pay my credit card bill. After I scanned my card the money window opened. I inserted two  XXXX XXXX dollar bills. The machine took my bills and right after that the machined died. It did not print any document as a proof of accepting the money. I then went inside the lobby to complain. The manager listened to my complaint and said Oh dont worry it will be credited tomorrow. 
It has been over 45 days now that my money is not credited. During this time I called the bank several times. Each person says different time. They say it will take a week, or sometimes a month or two or even three. They are just making may go around. I am a retired man and every dollar means so much to me. I need someone to help me
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft JPMCB XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.
Product: Checking or savings account

My identity was compromised several times with Wells Fargo, and every single time they tried to blame the companies or myself for the missing funds in my account.
Product: Credit reporting or other personal consumer reports

I'm rewriting to complaint to DIGITAL FEDERAL CRED about the unauthorized inquiries on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft. My address is XXXX XXXX XXXX XXXX, IN XXXX, and I go by XXXX XXXX XXXX. My birthdate is XX/XX/year>. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring
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, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> 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 general, 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 accurate.
Product: Credit card

I have XXXX dogs who at times require vet services. About 3 or so years ago this happened and I could n't pay so I was set up through Care Credit which as it was then only for pet vet care. The bills plus maintenance continued and I have n't been able to get a handle on it. When I have had to use the card the staff at the vets tells me that if my cost is " low '' my interest rate will be high. Like I have a choice. So I am backed in a corner paying {$10000.00} per month but it seems that the interest is more than the bill. Then independently Amazon wanted me to get their credit card which I responded to to get some perk and then I was going to cancel. I think it was the same outfit whic I believe is GE. So when the Amazon clicked on the availability of Care Credit was kaput. I 'm sure I 'm not alone in this. I am shocked that the least of us is penalized the most. Thank you.