23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE XXXX  
Account name : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX, and TransUnion for their unlawful reporting of a late payment auto loan account on my credit report. 

( XXXX XXXX XXXXXXXX ) This unauthorized reporting has been ongoing despite multiple attempts to address the issue through certified mail, which has been met with no resolution. I firmly believe that their actions violate the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 

Under 15 USC 1681b ( permissible purposes of consumer reports ), it is explicitly stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not provided written instructions or consent to these agencies to report the aforementioned auto loan account on my consumer report, yet they continue to disregard my correspondence and persist in reporting the account.

Furthermore, 15 USC 1681a ( 2 ) ( a ) ( i ) ( 2 ) EXCLUSIONS from the definition of a " consumer report '' any report that contains information solely as to transactions or experiences between the consumer and the person making the report. This auto loan account falls under this exclusion and should be excluded from my consumer report. The continued reporting of this account is therefore not only unauthorized but also illegal. 

I wish to emphasize that I am prepared to seek damages for each violation, including : Defamation of Character : The inaccurate reporting of this late payment negatively impacts my creditworthiness and has the potential to harm my reputation. 

Enablement of Identity Theft : Unauthorized reporting can expose personal information and increase the risk of identity theft. 

Violation of the FCRA : XXXX, XXXX, and TransUnion are in violation of the FCRA by reporting this account without my written consent. 

Violation of the Fair Debt Collection Practices : The reporting of this account without proper authorization violates fair debt collection practices. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and take necessary action against XXXX, XXXX, and TransUnion for their unlawful actions. I also seek assistance in ensuring the immediate removal of this erroneous account from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

Experian consumer report states 24 potential negative months with XXXX XXXX. This account original charge off date reflects XX/XX/XXXX since this date either XXXX XXXX is reporting on several different dates ( XXXX ) as charge off dates when it should only reflect 1 charge off date or Experian is reporting this false and inaccurate information in my credit report. My Experian report also states that XXXX XXXX has written off this debt per my Experian report. If so, this account should not reflect a balance ( maybe a past due amount but not a balance ). Also, if XXXX XXXX has written off this debt they was suppose to provide me with a 1099 tax form so that I can or could have file this debt with the IRS. I have already check my account with IRS.gov and checked all transcripts from XX/XX/XXXX-XX/XX/XXXX and it does not have anything from or for XXXX XXXX . Eitherway this does not meet the FCRA regulations and/or guidelines. This is consider false reporting. Report is attached to validate this errors.
Product: Money transfer, virtual currency, or money service

I've lost money on different occasions due to fraud with Zelle. 

The has been occasions when I attempted to send money to individual and the money was taken out of my account, however it was never received. 

There was also an occasion when I accidently sent money to the wrong individual and was not able to cancel the transaction or get my money back.
Product: Debt collection

Received letter from One Advantage on XX/XX/XXXX ( Document 1 ), for services from XX/XX/XXXX. Now as stated in the previous complaint, I have received ONE single bill that is supposed to be for ALL pending billing issues. This amount sent to me by One Advantage is supposed to be included in what I had to file a XXXX   complaint to have my financial aid assistance in XXXX of XXXX ( based on phone calls from XXXX XXXX in XX/XX/XXXX, and the incompetence of its staff ). 
Furthermore, this amount is no longer valid ; as my insurance company has reprocessed the claim and PAID IT IN FULL. Reference Documents 2 and 3 ; as shown on page one of both documents, the transaction date is XX/XX/XXXX and also shows that my insurance company paid in full. 
Referencing page two from Documents 2 and 3 ; the claim was sent to the insurance company on XX/XX/XXXX and processed it on XX/XX/XXXX. Referencing Document 1, the claim was processed by One Advantage on XX/XX/XXXX ; which gave XXXX XXXX Hospital fourteen days ( nine business days ) to update their records for this issue before sending it to collections. 
Note : I did remove the name of the service provider from Documents 2 and 3, as it would give an indication of the nature of the procedure I had. The procedure was required due to an XXXX XXXX XXXX XXXX, in which I am under no obligation to disclose to One Advantage. Furthermore, any employee of One Advantage with knowledge of my medical condition would be a violation of the XXXX and HIPPA.
Product: Credit card or prepaid card

I want this late payment deleted from my account within XXXX XXXX this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following inquiries are fraudulent and needs to be removed : XXXXXXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I received from them a notice, via the CFPB website, that they were not able to respond because I was not listed on the accounts but they keep reporting these accounts on my credit report and haven't sent any mail-response as I requested for the Reporting Agencies to do. I have proof of the previous letters I sent via mail that have been uploaded to the complaint.
Product: Student loan

In 2015, I received notice that I was significantly delinquent on specific loans that were serviced by Citibank. In order to prevent charge off status being applied to my credit report, full payment of the loan amounts were requested. I paid those payments through my XXXX XXXX  account through the below checks : Check # XXXX - XX/XX/2015 - {$4000.00} Check # XXXX - XX/XX/2015 - {$1600.00} Check # XXXX - XX/XX/2015 - {$500.00} Check # XXXX for - XX/XX/2015 - {$500.00} After that, my balances were transferred to XXXX XXXX and XXXX XXXX XXXX. Both service providers can not provide information on these payments. Balances continue to not reflect in my history of all three providers and my credit report.
Product: Checking or savings account

Bank used my Social security for verification to open a CD & now I was notified that my XXXX was found in the dark web. Chase Bank ( Branch : XXXX, NY ) initially transferred money from my checking account to the CD but they did not do the transfer right so the money went missing as per bank staff & later found in their " unused funds '', they tried to correct it after I made a complaint although initially bank manager did not do anything to correct this. So this has occurred after talking to several people in the bank 's complaint department so my Social security was used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased furniture from XXXX XXXX multiple times in XXXX and XXXX. I applied for credit but was declined due to my credit scores so I purchased with my debit card and XXXX XXXX XXXX XXXX Bank Account. XXXX XXXX has places an account on my credit report for {$240.00} through Southwest Recovery. I don not have an open account with XXXX XXXX because I paid for everything before delivery. I would like this account remove immediately off my credit report.
Product: Credit card or prepaid card

This is a copy of a letter sent to Walmart/SynchronyXXXX along with their complaint form, in regard to a problem with my account : XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, South Carolina XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX  XXXX XXXX, Florida XXXX Reference Credit Card Account Ending In : # XXXX To Whom it May Concern, I was checking my credit account with your company and discovered an error. I sent you two payments of {$220.00} to be applied to my account, one for my usual monthly payment and the other to be applied on the principal on the debt. Both payments were initially credited to the account on XXXX XXXX, XXXX. However, your accounting office, for some unknown reason on XXXX XXXX, transferred one of the {$220.00} payments to someone in XXXX, Georgia. 

I called your offices about two weeks ago to make an inquiry on this transfer and was told it had been transferred to my old Walmart account to cover an outstanding balance on it. I informed the person I was speaking to that there could be no outstanding balance on that account, as the complete balance of it was transferred to the new card when it was issued. I was then told the money would be credited back to my account. 

Since then, my normal monthly payment of {$220.00} was received and credited on XXXX XXXX, XXXX, but the {$220.00} that was transferred to XXXX, Georgia is still missing. 

Nobody at Walmart/Synchony seems to know exactly where my money went, but I want it refunded back into my account immediately and applied toward the principal on my debt balance. At this time I am paying additional interest to you because of this error. 

Sincerely, XXXX XXXX XXXX, XXXX. 

______________________________________________________________________ Since then, this has occurred : ______________________________________________________________________ On XXXX XXXX, XXXX, I checked my Walmart Card balance and found out that my balance had gone UP {$360.00}. Instead of deducting the {$220.00} refund I SHOULD have been credited with, it was ADDED to my current balance along with an increase in interest {$3.00}. Maybe I was better off just letting them keep the {$220.00} I was cheated out of, because they have now cheated me out of another {$220.00} plus interest. My balance actually went up from {$6600.00} to XXXX. There have been no other charges made on my bill by me, but my bill has increased by {$360.00}. 

Enclosed are copies of the printouts from my account online.
Product: Credit card or prepaid card

On XX/XX/2020 my Bank of America EDD account was fraudulently used to purchase items from a website called XXXX in a single transaction for the amount of {$6900.00} - I did not make this purchase nor did I authorize anyone to use my EDD Debit card to make this purchase. My debit card has been in my possession since the day I received it and I have not let anyone else use it. 

On the morning of XX/XX/2020 I noticed the transaction on my app and immediately called Bank of America to inform them. They noted my account that I was calling about a fraud claim and said I would have to make a claim with the claims dept and transferred me. I was on hold for over an hour and never connected. I proceeded to call back 3 more times that day, being on hold for over an hour each time. One time, after 1.5 hours of wait, I was actually connected but then immediately disconnected after a recording came on stating their call volume was too high and they were not able to take my call. I called back the next morning, XX/XX/XXXX and was able to get through making a claim of fraud on my EDD account. I was given a case number and I was told that I would receive a letter from the Claims department within 10 days. 

On this same day I also called the merchant XXXX and informed them of the fraud. They took my information and said their fraud department would contact me. I have not heard back from either company as of today, XX/XX/XXXX.
Product: Credit card

On XX/XX/year>, I made a second payment of {$200.00} to my Goldman Sachs account. Realizing the error, I promptly contacted Goldman Sachs customer service to request a reversal of payment on XX/XX/year>. I was informed it will take 5-7 days. 

On XX/XX/year>, I followed up with customer service to obtain an update on the status of my reversal request. During this interaction, I was subjected to unprofessional conduct by customer service supervisors. Rather than assisting with my inquiry, the supervisors were combative, unprofessional, and condescending. They refused to provide meaningful support and ultimately disconnected the call without addressing my concerns. 

Violations of Consumer Protection Laws and Policies : 1.Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) - Consumer Financial Protection Act ( CFPA ) : Goldman Sachs failed to provide transparent, fair, and timely customer service related to my payment reversal request.

The supervisors combative and dismissive behavior reflects a lack of good faith in assisting consumers and may constitute an unfair or abusive practice. 
2.Electronic Funds Transfer Act ( EFTA ) and Regulation E Violation : Under EFTA and Regulation E, financial institutions are required to investigate and resolve electronic funds transfer errors. My duplicate payment qualifies as such an error. 
Goldman Sachs refusal to provide a clear update or take appropriate action on the reversal request is a failure to meet its obligations under these consumer protection regulations.
Product: Checking or savings account

On XX/XX/XXXX I went to Huntington Bank Branch to Deposit {$200.00} cash and cash a check for {$9.00} or {$9.00}, The teller was ok with depositing my cash that was much greater than the check but ask for ID to cash the very small check because I was XXXX XXXX. He never ask the XXXX person for ID. I did file discrimination with Ohio Civil Rights. They are looking into that matter. However, my concern is that HUNTINGTON BANK went into my bank account without my authorization or being present for their selfish reason to see if I took that check and cash to another branch. They called that branch and inquired with all there about me and only one employee actually knew me and my name. They denied me service because I was treated different. 
I experienced different treatment before with XXXX XXXX /XXXX at same bank and the upper management never contacted me after I complained
Product: Money transfer, virtual currency, or money service

I attempted to purchase baseball tickets from an ad on XXXX. I called the person who I was transacting with to get a sense of them and to insure it was a real phone number. The person seemed fine, and suggested we use XXXX and the XXXX app. I paid him {$70.00} through the XXXX transfer action on my Chase phone app, and he never sent over the tickets and stopped responding to texts/calls. I then reported the incident to the XXXX Police fraud unit, and called Chase. Chase said that there was no reimbursement option because XXXX is a third-party partner, and that they are not responsible for fraud.
Product: Credit reporting or other personal consumer reports

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly XXXX. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. Please delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I was a victim of auto theft. Inside the vehicle was my purse/wallet with my drivers license, money, credit cards, cell phone and other valuables. The thief used my credit cards, bank cards, opened accounts in my name. I tried over and over to resolve the matter as quickly as possible, but since my phone was also in the vehicle I had to call my credit companies from a friends phone and they could not verify me, treated me more like the criminal than the victim. I was able to put a freeze on my XXXX file in XX/XX/XXXX, which only lasted a total of ONE year. I also filed a police report on the night of the mishap ( XXXX XXXX ). Being overwhelmed with losing my vehicle, unable to work and trying to get the creditors to help me shut down the accounts I was unsuccessful and I went into a XXXX XXXX. Thinking that it would all just go away. But unfortunately it did not go away. During the pandemic I was living with someone who provided all bills so I never thought to check my credit and I never thought someone would be so evil to continue to use my identity until recently XX/XX/XXXX I decided to pull my credit ( about to start a non-profit business ) and noticed all the things on my credit that I did not do were still there and extra items. I reached out to the local police department asking if they still had a copy of my report from XXXX. They submitted to me and I submitted it to ALL 3 credit Bureaus, XXXX Fraud department reached out to me and offered a 7 year fraud alert on my account. Some of the items were removed, but I am still having complications with creditors removing information I have asked over and over in XXXX and XXXX. And not only are they not removing the reports they are reporting inaccurately saying the accounts were 120 days late for 3 months or they are reporting on one Bureau the accounts are closed and paid and on other Bureaus the are reporting the same account as a charge off. And using a different name reporting 2 times same information on my report. Another company removed the information from one Bureau but reopened it on another Bureau. I am tired of going in circles with these people its been 5 years already. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting

I have disputed to the creditors and a fraud alert and freeze were placed on all XXXX credit reports. I will like these creditors to investigate my personal information and credit inquiries for a third person using my information to commit fraud.
Product: Debt collection

I have only recently discovered that a debt collection agency has submitted a report against me. I have NEVER received anything in the mail from IQ DATA INT'L INC XXXX 
Approximately 6 months after I moved out of my apartment, I received a letter from a different agency. I called this agency and not only did this agency determine that I did not owe XXXX XXXX any money, but they owed me approximately {$200.00} left over from my deposit. The gentlemen I spoke with assured me that this would be corrected and the collection would be canceled. 
Approximately 6 months later, a different collection agency which I presume was IQ Data ( I do not recall the name ) called me and once again stated that I owed XXXX XXXX money. I explained that I had already addressed this issue with a different company and would not be making any payment to them. They continued to call and harass me, and I continued to tell them that I would not be making any payments to them. I also asked them to send me the bill if I supposedly owed them money which they never did. 

To this day, I have still not received any documentation from IQ Data. Please assist in anyway that you can. 

Thank you.
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 violates 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XX/XX/XXXXXX/XX/XXXX