23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been disputing a charge on my credit cardas it is fraudulent ( this process resulted in me filing a complaint about this process but now my complaint is about my credit report and the calls that come in and are disconnected ). At this time, on my credit report, it now shows that Im delinquent on the card even though the status of my card should be indicated as being under investigation and not just failure to pay. I have been in this process for months. I have also asked for a phone call from the fraud department supervisor which was supposed to have been given to me within 1 to 5 business days, so Im still waiting for that phone call. In the meantime, I continue to get phone calls for this unpaid charge. The last 3 calls I answered were disconnected upon my answering. Is this an attempt to log calls being made to meyet not connecting me with anyone? The last 2 calls I made in return to those calls I was transferred to the fraud department and conveniently disconnected after being on hold. Tonight I called and asked it to be documented on my account but I have no confirmation that this happened. I was then transferred to the fraud department and after being on hold my call was disconnected once again. The amount of time I have wasted on the phone for nonsense is absurd. I still have no resolution but now am being harassed by phone calls that also end in being disconnected by the company or their poor phone system. I have to answer every potential telemarketing call because I am waiting for a call from a manager or supervisor from the fraud department but as I continue to answer these calls I become increasingly frustrated by the companys poor communication protocols, employees, and possibly equipment technical difficulties. Is anyone actually monitoring this company and the way they handle business and customers? Ive never dealt with any company that had such communication issues and I hope to never again.
Product: Debt collection

The number calls repeatedly. I blocked the number but they continue to call. I attempted to call back but the automated answering machine hangs up on me. Still leaving voice messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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
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 having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This problem aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I received the attached threatening email from XXXX Manager XXXX XXXXXXXXXXXX XXXX but in the content it listed them as ACS Inc. No phone number, no name of person, no address, nothing specific in their details about this debt except to threaten that if I do n't respond to the email within 48 hours I will be arrested or put in jail for fraud and they sited Case No : XXXX. I enrolled in a settlement program a long time and all my creditors were given to that law group and notified about my situation and advised to contact the settlement office to discuss payment arrangements. I do n't know who ACS or XXXX is but I 'm sure that whoever the creditor is, they were notified in writing and have the option to set up a reasonable settlement on this account. At this time I am speaking with an attorney regarding Chapter XXXX for all of my debts. This situation was brought on due to a serious medical condition.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  number XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto XXXX XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ) XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reporting companies have unlawfully removed one of my furnished revolving credit accounts or have not furnished the revolving credit account on my report more than 30 days after having confirmed receiving the account information from the creditor XXXX Account # XXXX. This account has been removed from EQUIFAX and XXXX and XXXX have not added this revolving account to my report as required by law. They have also violated my rights by doing this under 15. U.S.C 1681 e ( b ) Accuracy of report 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach, and fraudulent accounts have been opened in my name. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following accounts and bankruptcy entries from my credit report immediately, as they are not authorized by me : XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$6100.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. Bankruptcy XXXX XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. Bankruptcy XXXX XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. Bankruptcy XXXX XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

n accordance with the fair credit reporting act. The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681.. Account Name... .. XXXX XXXX XXXX Account XXXX XXXX .... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... Account Name... XXXX .... Account name... XXXXXXXX XXXX XXXX XXXX XXXX XXXX ... Account Name ... XXXX XXXX Account name.. XXXX XXXX XXXX XXXX  ... Account Name ... XXXX XXXX. Account Name ... XXXX XXXXXXXX XXXX XXXX 15 u.s.c 1681 section 602A. 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 ... 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. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I am writing to dispute the following information on my credit report. I recently received a copy of my credit report and found the following inaccurate information reporting to my credit : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently reviewed my credit profile and notice inaccuracies and/or incomplete information, and accounts that are inaccurate. According to the Fair Credit Reporting Act, Section 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the FCRA- you are required to promptly report the credit obligation or account as current. If the furnisher makes an accommodation ; such accommodations defined as an agreement to defer XXXX or more payments or forbear any delinquent amounts. 

( F ) Reporting information during XXXX XXXX  ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer XXXX or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) XXXX  during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXXXXXX  under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. 


That being said, I demand that all late payments reporting late on these accounts be updated to PAID AS AGREED, NEVER LATE, and the amount to report as current. If you neglect to update this information, I will promptly file a CFPB complaint. 

I await your reply. Once you have fulfilled my request, please mail me an updated credit report reflecting these changes. 


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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX 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 receiptXXXX
Product: Checking or savings account

This is my second complaint. I have had to visit Bank of America in person to have this issue resolved. I am the victim of identity theft. I have frozen my credit reports and with XXXX ; nonetheless, another account was opened in my name ending in XXXX. I received a debit card for this account via mail and hence, learned that an account was again opened fraudulently. I received an email from Bank of America that a bank account application was in process yet again. When will Bank of America start to check identification before allowing criminals committing fraud to easily open accounts online in the name of victims of identity theft? Why is it that when I call Bank of America I am told that there are no accounts in my name, but when I visit a local branch, I am told otherwise, that in fact there is an account open in my name? Why must I take time off from work to visit a local branch to have these issues rectified? At this point in time, I am done attempting to have this issue handled through Bank of America. I am contemplating seeing an attorney unless this matter is resolved permanently. Bank of America should show a greater level of concern for fraud - after all, it not only the victims of identity theft being swindled, but their very bank.
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 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 see appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Original Creditor : 01 XXXX XXXX  ) XXXX Balance : {$1600.00} WELLS FARGO XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$4300.00} XXXX XXXX Balance : {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint against XXXX XXXX XXXX  and its use of XXXX different debt collection agencies simultaneously to collect a single debt. This practice is not only confusing and harassing but also appears to be a violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, I believe XXXX XXXX XXXX has violated the following provisions : XXXX. XXXX USC XXXX ( XXXX ) ** XXXX XXXX XXXX XXXX  has listed the debt without my written consent. I did not authorize the sharing of my information with multiple debt collection agencies, which constitutes a violation of my privacy rights under this section. 

XXXX. XXXX USC XXXX ( b ) ** : The information being reported by XXXX XXXX XXXX is inaccurate and not up-to-date, given that they are using multiple agencies to collect the same debt. This results in a misleading representation of my creditworthiness. 

XXXX. XXXX USC XXXX : XXXX XXXX XXXX has failed to properly investigate and correct inaccuracies on my credit report. Despite my requests, they have continued to report erroneous information, causing undue harm to my credit standing. 

Details of the debt collection agencies involved are as follows : XXXX XXXX XXXX, XXXX, FOSTER AND MONROE LLC I have attached copies of all relevant documentation, including communications with the debt collection companies I request that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX complies with all relevant regulations under the FCRA. Additionally, I seek the removal of any inaccurate information from my credit report and cessation of any further attempts to collect this debt in the manner described. 

Furthermore, under XXXX XXXX Code XXXX, XXXX XXXX XXXX is liable for willful non-compliance with the FCRA. If they fail to delete this inaccurate item after my dispute, they owe me {$1000.00} per item for each instance of non-compliance. 

Thank you for your attention to this serious matter. I look forward to your prompt response and resolution. 

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

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 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 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 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 EXPERIAN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act these comapnies have, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, Experian andXXXX report this account as 60 Open/Late - XX/XX/XXXX and XX/XX/XXXX which doesn't make any sense..How can an account be 60 days late in just on month? Please remove the late payments reported on the accounts. I wasn't late on the month which credit bureaus report..How can an account be a charge off with balance? This is ridiculous.. Please fix the accounts and update it the correct status on
Product: Credit reporting

Starting from XX/XX/2016, XXXX, a credit card promotional service, generated hard pull inquiries on TransUnion 's credit report when only soft pulls were suppose to be generated. I 've been a victim of Transunion 's inquiry issue and they refuse to remove the hard inquiries after calling their customer service representative. Their customer service would not help and take care of the negative inquiries reporting to my credit report.
Product: Checking or savings account

I disputed 2 transactions that fall under regulation E for chime to receive a provisional credit that was due XXXX XXXX. I even have recordings of the reps telling me it should come XXXX XXXX, but chime continues to give me the run around. I filed with the XXXX as well and Im about to respond to my complaint with the XXXX  after I send this complaint. I had to call 4 times today and I have yet to receive a resolution. I have it documented with recordings from dispute reps saying that Im indeed due for a provisional credit for XX/XX/2023. I can even send the recordings via email.