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

The following accounts and Addresses were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- Credit Cards- 1. XXXX XXXX Account # XXXX Open dateXXXX XXXX, XXXX Amount- {$6000.00} 2. XXXX Account # - XXXX Open dateXXXX XX/XX/XXXX -Amount- {$2400.00} 3. XXXX XXXX Account # - XXXX Open date- XX/XX/XXXX, XXXX Amount- {$4300.00} 4. XXXX XXXX Account # - XXXX Open dateXXXX XX/XX/XXXX, XXXX Amount- $ {$7600.00} 5. XXXX XXXX Account # - XXXX Open Date- XX/XX/XXXX, XXXX Amount- {$1000.00} Inquires 1. XXXX XXXX- Inquiry date- XX/XX/XXXX 2.XXXX XXXX Inquiry Date- XX/XX/XXXX 3. XXXX - Inquiry DateXXXX XX/XX/XXXX 4. XXXX XXXX Inquiry Date- XX/XX/XXXX 5. XXXX Inquiry date- XX/XX/XXXX 6. XXXX Inquiry Date- XXXX XXXX, XXXX 7. XXXX XXXX- Inquiry Date- XX/XX/XXXX 8. XXXX Inquiry Date- XX/XX/XXXX 9. XXXX Inquiry Date- XX/XX/XXXX 10. XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX 11. XXXX  XXXX  XXXX- Inquiry Date- XX/XX/XXXX 12. XXXX Inquiry Date- XX/XX/XXXX 13. XXXX XXXX Inquiry Date- XX/XX/XXXX 14. XXXX XXXX Inquiry Date- XX/XX/XXXX ADDRESSES XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Adjusters is reporting 2 accounts on my credit report - XXXX & XXXX -- I never even knew these or the debts existed until I saw it on my credit & I immediately called and took care of it even though they are not valid and were sent to collection in error. 
I never one time received any notices regarding these items to even be given the opportunity to dispute them. I have contacted my attorney regarding this original creditor.
Product: Credit reporting or other personal consumer reports

I have ask Experian multiple times to remove old accounts in order which there updates to be recent accounts on my credit report like they are reporting a account from which is XXXX XXXX XXXX from XXXX XXXX XXXX they are reporting another account for XXXX XXXX  which is not a license company in XXXX XXXX XXXXXXXX a non license company which must follow XXXX XXXX must be removed because they are not able to collect a debt in XXXX  they are being paid by the company to held in accurate information they didnt send me any signed documents that I need to pay XXXX XXXX  which they should be sent to me if no proof is shown must be removed in 30 days or less
Product: Checking or savings account

This is my second complaint regarding my denied fraud claim, claim number XXXX. The situation has changed so I feel the need to file a new CFPB complaint with new details. The appointed Bank employee handling my fraud claim has failed to consider the evidence I sent in. My claim has been settled incorrectly again, with no consideration of my evidence or written statement. On XXXX XXXXXX/XX/24 the claim was updated in my message center to " resolved - review message for details '' The problem is there is NO resolution letter or details on why they denied my claim. There is no attached documentation or evidence they used to deny my claim. This is the same as the first time where it was immediately and unfairly closed. I called the number first thing on XX/XX/24 to request documents used in their decision phone number XXXX I was connected with XXXX. XXXX stated that she did not see any evidence or documents she could provide me but she would tell the back office I requested them. She understood my frustration and read me off some internal notes which I couldn't see on my claim message. XXXX said the fraud department wrote down some notes that we can infer they used to deny my claim. She said that because there were transactions on my statement that I did not report as fraud and because the transactions were held days/hours apart. So basically, if you give a merchant your card details once they are allowed to charge it or use your card details as many times as they want for fraudulent charges? 

This is beyond ridiculous and their explanation does not demonstrate authorized use of my card. I also can not emphasize the fact they don't have any document or evidence used to support their decision to deny my claim. I NEVER denied doing business with the merchant in the past. The employee ( XXXX ) investigating my fraud claim didn't consider any of my evidence that I sent in to escalate my issue. 

I can not keep waiting an unknown amount of time for my claim to be taken seriously especially when I don't know what actual details they need from me. I expect a timely response and resolution from Bank of America correcting their error investigating these fraudulent charges on my account. I refuse to be held accountable for unauthorized use of my card just because I did business with the merchant in the past. That is not legal or reasonable. I am willing to provide details, supporting evidence, and any helpful information to assist this process but rejecting my claim for no valid reason will not stand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX DEPT OF EDXXXX XXXX Balance : {$0.00} ; DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX DEPTEDXXXX XXXX Balance XXXX {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, I asked for XXXX XXXX XXXX XXXX to provide ALL OF THE FOLLOWING : 1. The description of the procedure used to determine the accuracy and completeness of the information. 
2. Name, address, and telephone number of each person contacted regarding this alleged account. 

AND 3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them ( XXXX XXXX ) the exact amount claimed of {$1500.00}. They also placed a remark on my account stating, " Account information disputed by consumer, meets FCRA requirements. '' No, this does NOT meet FCRA requirements if you FAILED to provide me all of the information that I requested. On multiple occasions, they failed to provide me with " HOW '' they validated the debt that I supposedly owe them. 

Also, the FCRA states that all data being reported must meet specific criteria such as : 1 ) information being 100 % timely, 100 % accurate and 100 % verifiable. If they couldn't verify the debt properly, how does this meet FCRA requirements? This is clearly a violation of my rights as a consumer, therefore, against the laws. I have no contractual obligation to XXXX XXXX XXXX XXXX, therefore, not owing them any debt. 

I've sent them letters ( And to the Collection Agencies ) dating back to last year and these dates are as followed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

NCB Management services is a company trying to collect on a debt that does not belong to me. The amount they are trying to collect is {$5600.00} dollars. I have asked for information to be provided to me to verify this debt. Under the Fair Debt Collection Practices Act I have the right to request validation of this debt. I request VALIDATION made pursuant to 15 USC 1692g Sec. 809 b of the FDCPA. This company is not licensed to collect a debt in Maryland.
Product: Checking or savings account

Background : My father had a checking account with BMO. I was added to the account when his health got bad. He passed away in XX/XX/XXXX. 

As part of closing the account I was transferring funds out of the account but keeping it open as I was trying to track any bills/benefits/accounts he had connected to it, but had withdrawn much of the funds. Had an unexpected charge from his closed cable account which put the account negative {$130.00}. 

I contacted BMO through online chat on XX/XX/XXXX to ask how to close the account properly. I was told to transfer in funds so it was a XXXX balance, and then I could close it through online chat again. 

That same day I initiated a transfer using BMO 's website. I received an email confirmation that the funds would be pulled from my XXXX  account to BMO. BMO sent an email saying the funds were taken from the XXXX account on XX/XX/XXXX and would be available in the BMO account in another day. On XX/XX/XXXX, BMO sent an email saying the funds were credited to the destination account as of XX/XX/XXXX. 

The Issue On XX/XX/XXXX, I logged in to contact chat and close the account. I saw BMO had closed the account on XX/XX/XXXX, but stated it was closed with a negative balance and money owed, and they sent derogatory information to XXXX. 

I contacted online chat who refused to assist me saying they could not verify my identity, though just 10 days earlier I had communicated with them in the exact same manner.

I then spent 45 minutes waiting on hold to explain the situation to a customer service rep, who put me on a hold for a long period, and then told me I had to talk collections.

She forwarded me to the collections dept, which is just a voicemail box that tells you to leave a message and they will contact you back in 24 hours. I left a message with my contact info and explanation. Three days later I have received no response. If I log into the account it still says closed with negative balance sent to XXXX.
Product: Mortgage

I am very concern about the shortage of our escrow account being that the numbers does not add up. Please review the following for 2016 : Escrow Collected PMI Ins./Taxes Beg. Escrow Bal. : {$360.00} XX/XX/XXXX {$390.00} - {$160.00} XX/XX/XXXX {$390.00} - {$160.00} XX/XX/XXXX {$390.00} - {$160.00} XX/XX/XXXX {$390.00} - {$160.00} XX/XX/XXXX {$410.00} - {$160.00} - {$1100.00} ( Haz. Ins. ) XX/XX/XXXX {$410.00} - {$160.00} XX/XX/XXXX {$410.00} - {$150.00} XX/XX/XXXX {$410.00} - {$150.00} XX/XX/XXXX {$410.00} - {$150.00} - {$1300.00} ( county tax ) - {$1100.00} ( Haz. Ins ) + {$770.00} ( Haz. Ins returned ) Totals : + {$3900.00} - {$1400.00} - {$2800.00} - {$260.00} ( Escrow Bal. : ) I notice the numbers does not add up. On the last statement dated XX/XX/2016 there is a shortage of - {$1200.00}, this is before the {$770.00} ( haz Ins. ) was applied to escrow ( which it should have reflected by the XX/XX/XXXX but it got applied to principal ). Once subtract the {$770.00} the balance is - {$510.00}. Which still does not add up. Also the county taxes were paid at once ( annually ) when it should have been paid semiannually. Which would have avoided the shortage all together. Even on the Aggregate Escrow Analysis dated XX/XX/2016 it shows that the county taxes is to be paid in two installments. 

When I called on XX/XX/2016, I first spoke to XXXX I asked her for supervisor/manager so, I was transferred to XXXX. XXXX told me that they would run another Escrow Analysis and look into it. However if the company does not own up to its mistake and cover the shortage running the Escrow Analysis will only increase our mortgage.
Product: Debt collection

I had XXXX and XXXX XXXX XXXX as combined services. Back in XX/XX/2020 I disconnected my XXXX XXXX, but kept XXXX XXXX XXXX as my cell phone provider. When I disconnected the service with XXXX they told me I wasn't going to owe anything because I was cancelling at the time of contract renewal. Then 3 months later I received a bill for XXXX from XXXX they told me that a bill with XXXX XXXX XXXX and pay it thru them because it was a joint account so I did. The confirmation number for that payment is XXXX on XX/XX/2020 thru my checking account and that confirmation number was provided by XXXX XXXX XXXX XXXX XXXX XXXX. XXXX has no record of the payment and they sent me to Credence Collections. I tried calling Credence several times and they want me to give them my personal information and yet tell me they can't look me up by account number they gave me on the bill they sent me. I believe this is all a scam. I have paid my bill owed and never once received another notice from XXXX, but I continue to get calls from Credence. I tried resolving this last week with XXXX XXXX XXXX who had put me in contact with someone at Credence and they continue to call me and I continue to receive bills.
Product: Credit reporting or other personal consumer reports

My homeowners insurance was raised {$340.00} because TransUnion changed our insurance score to XXXX which changed our insurance from XXXX XXXX to XXXX XXXX. I don't know what our score was before.I have contacted TransUnion and they will not give me the insurance score report. I told them I am entitled to this under Section 612 of the Fair Credit Reporting Act and they refer me to my insurance company who refers me to TransUnion. I want that report to see what their reasoning is. TransUnion acts like this score doesn't exist. Our credit is XXXX, our home is paid off, we always pay our insurance in full when it is due.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting Act the following accounts 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 an account without my written instructions. 

Creditor : XXXX XXXX XXXX XXXX  : 08 XXXX XXXXXXXX XXXX  XXXX XXXX A Date : XX/XX/2022 Balance : {$220.00} Creditor : XXXX XXXX XXXX I DATE : XX/XX/2022 Balance : {$610.00} Creditor XXXX XXXX XXXX XXXX XXXX XXXXr : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2022 Balance : {$900.00} Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : Regional Acceptance
Product: Debt collection

1. COLUMBIA DEBT RECOVERY LLC DBA GENESIS ( XXXX XXXX XXXX XXXX, WA XXXX ) contacted me about unpaid rent to XXXX 4 years after I left the apartment. This was added as a derogatory mark to my credit report. 

2. I requested proof. Columbia provided me a ledger from XXXX saying that I had not paid rent for XX/XX/XXXX to XX/XX/XXXX. I was not occupying the residence at this time, and did not consent to these charges. My signed lease with XXXX ended on XX/XX/XXXX. On XX/XX/XXXX I had moved into a new residence, managed by XXXX XXXX. I've attached the XXXX XXXX, XXXX XXXX, and XXXX lease as proof. 

3. XX/XX/XXXX - I filed a dispute with XXXX, XXXX, and XXXX to have this removed from my credit report. They did not remove it, even though I provided proof, saying that Columbia had validated the debt. The proof that Columbia is using, is invalid. They are charging me for a week of rent that I never signed for or agreed to. 

XXXX. XX/XX/XXXX - Columbia debt recovery saying that they would investigate the case and asked that I provide proof that I was living in another residence XX/XX/XXXX to XX/XX/XXXX. I provided them with the lease from my new residence at that time - XXXX  XXXX XXXX. 

5. Columbia never reached back out to me regarding resolution.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently failed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. Those failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided cause ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit card

I noticed inquires on my Credit bureaus that I did not do. I noticed there was a credit card opened in XX/XX/XXXX with XXXX XXXX, an inquiry with XXXX XXXX in an inquiry with Wells Fargo. I do not have accounts or credit cards with any of these three bureaus. When I noticed on XX/XX/XXXX, I started with XXXX XXXX where they said this card was opened with XXXXXXXX XXXX. I had the credit card shut down. Next with XXXX XXXX where I was told that this individual attempted to open XXXX credit cards with my name, date of birth, and Social Security number. They stated that the address and phone number did not match. They would not disclose what the address and phone number were. They shut down the applications and no further action was needed with XXXXXXXX XXXX. Next was Wells Fargo where I was informed that there was two credit cards opened under my name, date of birth, and social. Wells Fargo reported the same thing as XXXX XXXX that the address, email and phone number did not match mine. That day I froze all three credit bureaus with XXXX XXXX XXXX XXXX XXXX. I received letters in the mail XXXXXXXX XXXX and XXXX XXXX claiming fraud was detected and accounts were closed down. XX/XX/XXXX I got a letter from Wells Fargo saying no fraud was detected but letter was not received until XX/XX/XXXX. I called in a reconsideration with Wells Fargo as a transaction went through on one card for {$2500.00}. The representative told me that they see this person bought " points '' and that after the card was closed on XX/XX/XXXX that the person attempted to run it again on the XXXX XXXX XXXX. They told me the transaction happened on XX/XX/XXXX but did not post until days after. After XX/XX/XXXX I went into a Wells Fargo branch to change account information as I was having difficulty obtaining information from Wells Fargo since the information did not match my own therefore they could not verify my identity. The gentleman at Wells Fargo stated the account had an old address used at XXXXXXXX XXXX XXXX XXXX  but no unit number. My parents sold this condo back in XX/XX/XXXX. The phone number used to open Wells Fargo account was XXXX which I found was connected with XXXX XXXX XXXX XXXX and they said the number did not have my name on it but could not tell me whose name it was under. They said the phone number was also shut down. XX/XX/XXXX I got a letter from Wells Fargo again stating no fraud was detected. I called Wells Fargo at XXXX and spoke to XXXX who stated it was declined due to address and phone number being the same as the account. I tried to tell XXXX that I was forced to change the information on the account to have updates on the case. XXXX disregarded and said that I was not allowed to re-open a consideration unless a letter was faxed into their department stating why it needed to be reconsidered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subjects known as trans union require entire ssa number vs last 4 digits dob etc then with fraud reporting want a phone number as refuse too contact by paper mail company not supplying advertised services and allowing for things too be listed that doesnt even apply too credit reporting!
Product: Money transfer, virtual currency, or money service

I am filling 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 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 or other personal consumer reports

I have filed several disputes concerning these accounts that are being reported inaccurately on my credit report. Additionally, I have submitted multiple requests for updates on the account that needs correction. Despite this, these companies have refused to address the disputes, even though they are legally obligated to do so. 

XXXX - XXXX
Product: Checking or savings account

On XX/XX/XXXX. My business checking account, with a balance of just over {$160000.00} was closed without notice and the account balance is now {$0.00}. I noticed this on the morning of XX/XX/XXXX and immediately called Capital One to understand what had happened. 

I talked to a XXXX and was told they did not know the reason or when/ if I would get my money. I asked to speak to a supervisor and got the same information. She said a letter would be mailed to me. I asked to speak to her supervisor and was told no. She was the highest level I was allowed to talk to. I asked to talk to the back office, who apparently would know why this has happened. I was told no. I asked her to find someone internally that she could talk to while I waited. She said no. The best she could do was send an email to the back office that would be answered in 7-10 business days. 

The account was opened on XX/XX/XXXX. Multiple withdrawals and deposits have been made since with no issues right up to XX/XX/XXXX. I don't understand why the account would be closed after being open and working with no issues for 3 months. This is a business checking account for a restaurant. After they verified all the company info, what possible reason could there be to close it with NO explanation. 

I'm trying to run a business and my money is gone and I have to wait on a letter to even know what is wrong. If there is a legal reason they needed to close the account, I get it. What I have a HUGE problem with is not knowing where my money is and not being able to find out what the issue is while having to wait on the US Mail to get the reason. I have to make payroll, rent and mortgage payments at the end of this week and next. I am not going to be able to pay all my bills this week.