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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and seen multiple items with incorrect information on it. 

XXXXXXXX XXXX Acct # XXXX on XXXX and XXXX The information incorrect is the account number is not correct Date opened it not correct Balance isn't correct on XXXX it shows {$1400.00} on XXXX it shows as {$0.00} Payment status is incorrect and shows as charge off on XXXX while XXXX shows as paid in full Last report date is incorrect XXXX says XX/XX/XXXX while XXXX shows XX/XX/XXXX XXXX also states it as a Delinquent and Derogatory while XXXX has it Derogatory Also neither has the correct address associated with me This account should be removed from both XXXX and XXXX for being inaccurate. 

Now there are XXXX more accounts with XXXX that is not accurate XXXX XXXX XXXX Acct # XXXX Comenity bank/XXXX Acct # XXXX XXXX on XXXX shows XXXX payment after charge off which is not accurate, payment status isn't correct, active date is incorrect. Also credit limit being {$0.00} and high credit being {$9000.00} is incorrect. Date open XX/XX/XXXX and last report date XX/XX/XXXX is incorrect. Along with the address on file not being mine. 

Comenitybank/XXXX on XXXX shows payment status as charge off which is inaccurate, last active date XX/XX/XXXX is incorrect on XXXX. XXXX has it as XX/XX/XXXX paid satisfactorily accurately. Also credit limit being {$1500.00} and high credit being {$1800.00} is incorrect. Date open XX/XX/XXXX, last active date XX/XX/XXXX and last report date XX/XX/XXXX is incorrect. XXXX has last active date as XX/XX/XXXX and XXXXAlong with the address on file not being mine.
Product: Debt collection

National Credit Adjusters appeared recently on my credit reports. I did not have an account with XXXX as reported as opened in XXXX of XXXX. 
No validation of debt.
Product: Credit reporting or other personal consumer reports

The consistent and unjustified presence of fraudulent accounts on my credit report ignite my extreme dissatisfaction and frustration. These accounts remain undeleted, casting a shadow over my financial reputation and causing significant distress in my life. 
XXXX XXXX XXXX XXXX XXXX These accounts are not mine, and I have never authorized any of the transactions associated with them. 
The continued presence of these fraudulent accounts on my credit report has had severe consequences for my financial well-being. I have been denied credit, subjected to higher interest rates, and faced difficulties securing housing and employment opportunities due to the inaccurate information on my credit report. 
Failure to address this matter promptly will leave me with no choice but to take legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) and seek damages for the harm caused by the persistence of these fraudulent accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian blocked all my families phones. I'm not able to reach them. Please see the attached letter sent to my husband.
Product: Checking or savings account

I wanted to close my Business checking account with Bank of America. Once again they are giving me hard time and not doing so. Bank of America is too big and too inefficient. Bank of America hardly employee good people - cheap and mediocre people working here. 
Called them on XX/XX/2023 to close the account. Chatted also. 
Apart from this raised CFPB complaint where some XXXX Bank of America employee sent me a secure email but when I asked to close the account she shamelessly asked me to call Bank of america customer service to send me in circles. 

I want this account to be closed. Called multiple times. Can't waste time to go to branch. this desperate Bank of america should not be doing scams of opening the accounts as mentioned here : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are violating my FCRA rights and FDCPA They won't remove delete wrong inaccurate unproved uncompliant untrue allegations from my credit report. they keep saying its verified without verifying. they use automated response system XXXX  to keep on fake verifications 1st entry : The entry reads : [ Collection Accounts : Accounts seriously past due ] [ JEFFCAPSYS XXXX  2nd entry : The entry reads : [ Collection Accounts : Accounts seriously past due ] XXXX  XXXX XXXX entry : The entry reads : [ Collection Accounts : Accounts seriously past due ] XXXX/XXXX  XXXX With Truncated Account Numbers. This information is being reported erroneously and illegally under the provisions of the Fair Credit Reporting Act, section 611 ( a ) ( 1 ) ( A ). 
This accounts were paid and satisfied as agreed. This account was never charged off as listed or went into collection as listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I suspect fraudulent inquiries on my credit report. Below are the inquiries listed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX I do not recgonize these inquaries.
Product: Bank account or service

XXXX XXXX, XXXX we, XXXX / XXXX XXXX, received a letter of debt forgiveness for our Home Equity Line of Credit. In which, XXXX, called to verify and proceed forward ( All documents are attached ) We received a the XXXX for XXXX Tax Year for XXXX / XXXX each from Bank of America. 
We are in the closing process of selling the home that is located on XXXX XXXX, XXXX, prior to foreclosure date of XXXX XXXX, XXXX. When the title company for buyer found out that Bank of America has a lien on the house, XXXX has been in contact with Bank of America. Spoke with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. Bank of America is stating that XXXX opt out of the Debt forgiveness, when in fact, she did not. 
By our understanding, the letter we first received XXXX XXXX, XXXX is part of the Dept. of Justice Lawsuit and is considered a zombie debt and can not come back for debt. 
In contacting Bank of America, they are now stating that we owe back interest of the amount of {$11000.00}. There has been no contact from Bank of America since XXXX when we were sent the original letter
Product: Debt collection

Constant phone harassment, late/and or dozens of calls in same day. Constant machine dialing our number and hanging up when answered, sometimes within XXXX seconds of another. Most often these calls happen every XXXX minutes and with my husband being XXXX and I have been ill for about XXXX months it gets hard to get up and answer. This has affected calls from others due to not having the call thru feature they get busy signals. They Ignore requests to stop calling. ABUSIVE conduct for an ILLEGAL OUTDATED DEBT from approx XXXX. Calls placed to another phone that is charged per call and still refuse requests to stop abusive communications. The company calls from a phone number until I find out what is is and block the number, The company then calls from a new phone number until I block that XXXX, this goes on and I now am estimating the I have XXXX or more different phone numbers for the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection acount appeared on my credit report since XX/XX/XXXX showing that I owed balance from the XXXX XXXX an apartment I lived in XXXX. So I contacted the XXXX XXXX on XX/XX/XXXX and got their email reply showing that I don't owe them anything, there must be something wrong with the collection agency XXXX. I called XXXX on the same day and sent them my email correspondence with The XXXX XXXX and asked them to remove the account on my credit report. This account disappeared on my credit report after few weeks, so I thought it's finished. On XX/XX/XXXX, I got a call from XXXX again asking me to pay the account. I reiterated the story to that person again and sent them everything again through email on the same day, never get their reply. Until XX/XX/XXXX, I was applying a new apartment, this collection account appeared again on the tenant screening report from Experian RentBureau, and the application got declined due to this account. Now RentBureau asked me to provide a letter from XXXX showing that this account wasn't mine, but XXXX was saying that this account wasn't mine so they won't provide anything to me. Neither of them would like move forward for my case, but the account is still on the report and damaging my housing application!
Product: Debt collection

I have disputed a collection reflected on my credit report for a rental unit and have been unsuccessful. I had provided a security deposit and a key deposit around plus the first month 's rent for when I moved in 2010 around {$1900.00}. During that time the property managers changed a few years later I paid a pet deposit for {$120.00} as well. I moved out and provided a 60 day notice, I sent the key in by mail, left the property early and in good condition. Apartment complex called me later and asked for the key and clarified that the key was mailed to them and I was not contacted after that and my deposits were not returned which I figured was used for cleaning fees. Years later I found a collection on my credit report and they state I never provided a security deposit or a key deposit when I had provided all of that plus a pet deposit which they do have a record for the pet deposit. I disputed with the credit bureaus and they refused to remove it. I asked the apartment complex for the lease to prove the deposit amounts and they state they do not have it. This needs to be deleted as soon as possible.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp 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 reporting, credit repair services, or other personal consumer reports

In acordance with the fair Credit Reporting Act XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX, has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy.

15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions
Product: Credit reporting or other personal consumer reports

This account is fraudulent. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i may presume that no proof of the alleged debt, nor therefore any such debt, in fact exsist. 

I have no recollection of a collection, charge off, etc. with XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Zwicker & Associates, P.C. Attorneys at Law filed a judgement against me, we agreed to a payment schedule which I have abided by in fact I am about 4 payments ahead of schedule. A debt collector continues to call me requesting a payoff even though I'm ahead with my payments this is very annoying, he called on XX/XX/XXXX, XXXX and XXXX, again XX/XX/XXXX, XXXX & XXXX, is this legal for them to do with a signed agreement of payment schedule. It is better to contact me after XXXX or by email. 
Thanks, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My business bank a/c with Chase bank was XXXX in XXXX of XXXX  without any notice. A check for the a/c balance of {$110000.00} was issued to my US business and mailed to my XXXX postal address. It arrived sometime in late XXXX. I was travelling in XXXX for business at the time. 
For several months, I've been trying to find resolution to cashing this check and retrieving my business funds with no success. 

XXXX of the issues is that the postcode printed on the check is incorrect so no banks in XXXX will accept the check. 
The second is that it's made out to my US business so can not be lodged to my XXXX business account. 
Third given the significant sum of the check, I am unable to lodge the check remotely to my XXXX  XXXX XXXX account. 

I have tried multiple avenues and called Chase several times at numbers provided, requesting a new check or alternative method to receive my funds. All have said there's nothing they can do to help. I have requested to speak with someone more senior several times, was informed I would receive a call back and it hasn't happened in XXXX month after multiple calls. I have tried to contact XXXX XXXX personally too but have not yet received a response. 
In addition, XXXX XXXX, the bank VP who opened my account and was my client manager, appears to no longer be with Chase. 

To further complicate things I am due to move address again in the next XXXX months so it will be even more difficult to verify the address is was sent to as I won't have access to the mail there/have any back up documentation that it is still my address. 

I spoke with XXXX personal contact who were former and current chase branch employees. They recommended at this point I reach out to you directly to find resolution. 

I have a personal Chase account and if the money could be lodged to that I can access the funds there and/or wire to another account. I am the CEO and 100 % shareholder of XXXX XXXX XXXX so the money is mine. The delay in accessing these funds has severely disrupted my ability to run my business for the past XXXX months, it has created huge losses for me. I need resolution asap to access my money so I can move ahead with running my business.
Product: Credit card or prepaid card

Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. These have been rough times during the covid 19
Product: Debt collection

CREDIT SYSTEMS INTL IN is claiming that I owe them {$2100.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Debt collection

In XX/XX/XXXX I Discovered that a fraudulent credit card had been opened in my name because Bank of America posted it as bad debt and it went to the credit bureaus. The card had a balance of around $ 20k on it. The card was used to pay off a XXXX XXXX credit card in my name which I also did not open. XXXX XXXX has determined this card as fraud and to my knowledge has let Bank of America know of this fraud. Bank of America still refuses to admit this credit card as fraud despite several attempts to prove that it is fraudulent.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts and inquiries from my credit report due to fraudulent activity as a result of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these unauthorized entries removed. Please find the details of the accounts and inquiries below : Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$430.00} XXXX - XXXX - XX/XX/XXXX - {$7300.00} XXXX - XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$420.00} Inquiries : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on 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 on XX/XX/XXXX with a balance of {$3800.00} 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 XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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: Checking or savings account

On XX/XX/XXXX, I attempted to deposit my paycheck from my employer via the Deposit Mobile option as I had since XX/XX/XXXX every two weeks ( given USAA does not have any physical locations ). At that point, USAA held {$1000.00} of it without any explanation as to why I thus called in the following day on XX/XX/XXXX and spoke with a customer service rep, who informed me that, due to an overdraft on or about XXXX XXXX, the hold was imposed by their " system. '' Being that I could only remember one other overdraft ever occurring during my XXXX membership, I explained that this was a completely isolated incident and he agreed. He then attempted to override the hold and said that their " system '' would not allow it. I confronted him on this in asking if computers ran the bank or they did before escalating to a gentleman with employee # XXXX. He fed me the same line of bs unfortunately before I asked to escalate this to the top. 

A very uptight and crass XXXX with the CEO 's office finally called me back XX/XX/XXXX and, after having looked into the situation, could not release the {$1000.00} that I rely upon to pay bills out of " fairness to all customers. '' I asked her what my options were other than leaving to another bank and she offered NONE. This is absolutely despicable, especially coming from USAA. I pray they are held to account for this.
Product: Debt collection

Called my wife about an alleged debt. Then called me. I called back and the woman asked if my wife was available I said no and said I'm her husband. She accepted that as fact without verification and went on to tell me about some debt incurred in XXXX of 2017. When I asked her for a verification of debt she told me I would need to do that in writing and that if I was trying to buy time it wouldn't work. Debt collectors are required by law to proffer a VOD.
Product: Credit card or prepaid card

I have a credit card account with Bank of America and I've had one since XXXX. As of today, I have roughly a {$4000.00} credit limit, and a {$96.00} balance. Like many families during the covid-19 emergency, I am struggling. Today I had an emergency with an air conditioning unit and planned on using the card. Beforehand, I tried to purchase {$7.00} worth of merchandise at a convenience store and the transaction was declined. I opened the Bank of America app and discovered that I had forgotten to pay my minimum payment of {$25.00} due on XX/XX/XXXX. I immediately made the payment, and contacted Bank of America customer service to make sure the card would be available for use for my air conditioning emergency. An agent told me the card would not be able for use until the payment had posted. I explained the situation and the emergency and she stated she could not help. I requested to speak with a supervisor who relayed the same information. He further told me to have a " wonderful day '' after I had nearly broken down into tears over our emergency and the fact that the bank that I have been such a good customer of for so many years was not willing to assist me. I find it very disturbing during the covid-19 emergency that Bank of America will not allow its customers to use their credit cards due to a payment being 12 days late. Further, I find it repulsive that after they can verify a payment has been made, they will not allow the card to be used. I truly hope that the U.S. governing agencies regulating Bank of America will look at their practices, because if they are doing this to me they're doing it to others. It would infuriate me further, if Bank of America received any governmental assistance when they're treating U.S. citizens this way. Sincerely, XXXX XXXX
Product: Consumer Loan

I went through debt consolidation with XXXX. One main financial continues to call me to set up a payment or to get more money from me. They have agreed to the consolidation and have continued to harass me. Forced me to pay XXXX dollars after they agreed to the consolidation and called me 4 times since the agreement.
Product: Credit reporting or other personal consumer reports

My credit report was involved in a data breach with equifax
Product: Credit reporting or other personal consumer reports

Experian / XXXX XXXX XXXX neglect to report accurate address. They all 3 failed to update correct address.