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

The following items are reported on my credit report without my permission, in violation of federal law. As required by Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I need the following items to be updated as soon as possible for they are greatly harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ).

XXXX and Equifax has failed to validate debts ... the accounts were indeed settled with original creditors ...

XXXX Accounts XXXX XXXX XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX XXXX XXXX  Credit Protection Opened XX/XX/XXXX {$250.00} Original creditor : XXXX XXXX XXXX Equifax   Accounts Credit Protection Opened XX/XX/XXXX{$250.00} Original creditor : XXXX XXXX XXXX XXXX  OpenedXX/XX/XXXX {$270.00} Original creditor : XXXX XXXX XXXX
Product: Credit card

I booked a hotel and cancelled immediately thereafter and the charge was not credited. I notified Bank of America and after the dispute process they declined the refund. After several attempts to obtain the refund, and complying with their request to obtain notification of the cancellation from the hotel on letterhead, they still declined the refund. Subsequently, I cancelled the card as the customer service was so bad. I contacted the merchant XXXX XXXX XXXX XXXX XXXX and they were willing to refund me the {$2600.00}. Two days ago I was notified that they attempted to refund my Bank of America credit card and the bank would not accept the funds as the account wa closed last month. Further as Bank of America is the parent company of Merrill Lynch, I contacted my Merrill Lynch XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and he said that there was nothing he could do. I have contacted XXXX XXXX XXXX and they said they can only credit the same account on which the charge occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX auto loan is not my account! remove immediately!
Product: Debt collection

First Financial Asset Management did not disclose that I, the consumer, could dispute the debt. I, the consumer, have paid almost 2,000 in alleged debt. I, the consumer, have sent a cease and desist, affidavit of truth, exhibits and invoice to remedy. First Financial Asset Management received the material on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 Consumer Portfolio Svc placed a report on my credit stating Im over 30 days past due in the amount of XXXX and thats incorrect. At the time of reporting I was only a week late. I attempted to contact the company but I was transferred to different people and placed on hold
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX intentionally in reporting incorrect information to the 3 agencies. they are reporting to Equifax that I was a 30 days late in XX/XX/2021 ( incorrect ) and they are reporting me to XXXX and XXXX a late 30 in XX/XX/2021 ( which again is incorrect ) I have reached out many emails to the executives and calls but they have ignored my request and I am not getting in position to bring legal tort action against them for damages. 

Their incorrect information has not only affected my credit score, it has affected my reputation and access to other credit which has causes a serious injury and created a lot of issues because of their negligence my payments are due every month on the XXXX of the month. As you can see from attached confirmation, my payment in XXXX was made on the XXXX of the month ( it could not be 30 days late ) and in XXXX my payment was made on the XXXX, so it is impossible it could be a 30 days late, because on day XXXX, they had full payment in their possession. 

I demand XXXX to immediately issue a correction letter to me so the late 30 's that are in correctly reporting can be moved ASAP.
Product: Debt collection

This company is trying to collect a debt I do n't owe.
Product: Checking or savings account

All I want to do is unblock my account for access. The customer service keeps me on infinite holds. They resolved a fraud issue I believe already. Someone tried to cash checks in my name. They have lengthy investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't give Authorization / Authorize too open accounts / pull and/or use my credit too open new accounts ( Identity Theft Victim - Equifax Data Breach ) ... XXXX XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account )
Product: Credit reporting or other personal consumer reports

Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  XXXX Account Number : XXXX Reason : I don't recognize this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed information on my account because of my rights to maximum possible accuracy. I was never sent any information on how the reinvestigation was conducted or the results. it has been well over 30 days since my last dispute, i called them on XX/XX/2023 to get remedy and was hung up on the first time after 25min on the phone. then the second call i was told i was being transferred to the a manager but was left on hold for over 20 min. i then again called in and spoke to a supervisor by the name of XXXX XXXX wouldn't give me his last name ) and he stated his manager ID was XXXX. He was un willing to help me at all. basically told me there was nothing he could do that i would have to send in letters or fax the documentation in. this isn't even what i called for. i'm looking for the method of verification that was used to conduct the reinvestigation and the results. I also want to have the account removed since they are not reporting correctly. 

it is under closed installment accounts but the status is charge-off with a past due amount and the total value of the car in the balance section. please see attachments for accuracy discrepancies the account on file is XXXX XXXX XXXX acct : XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I noticed I received a tradeline on my Credit report from Debt Recovery Solutions , LLC for an account I do not recognize. I immediately contacted this company in writing and advised I am disputing this debt and they need to provide me with a validation of the debt. This personal letter was mailed via USPS Certified Mail and arrived to the said agency on XX/XX/XXXX. Ive obtained all receipts and signatures that my letter was accepted by the agency. 

By FCRA and FDCPA consumer laws 609 ( c ) ( 2 ) E, 611 ( a ) 1 ( A ),  ( 15 U.S.C.1681i ) they are to delete their tradeline and cease collection activity due to them not providing validation within the 30 day time frame they had from the initial correspondence I sent to them. They failed to respond. I pulled my credit again on XX/XX/XXXX and their tradeline is still there. They can not legally claim this is verified to the credit reporting agencies, but they have ignored my request for validation. They are required to provide me with proof of this debt by law upon receiving written request within a reasonable time frame or they no longer have a right to report this or collect on it. This company has never sent me a notification advising of this debt and has never provided me with my right to dispute/validate. This company is in violation of the FDCPA and the FCRA. They need to be investigated. Please assist me in my request to have this illegitimate negation to my Credit score removed, as they have turned a blind-eye to my requests.
Product: Student loan

The Company Pennsylvania Higher Education isnt managing my loan account correctly. On XX/XX/2018 I received a letter notifying to recertify for the Pay as a You Earn repayment plan. I submitted all my paperwork before the due date. I submitted my paperwork several times, the last time was on XX/XX/2018. I called to verify with them if they received my papers and the operator said that everything was okay. Later on I received a letter saying that the Repayment plan was denied. That in that month of XXXX I have to play {$1000.00}. Amount that I didnt have. I called immediately and they stopped the direct debit transaction. But the problem still is that I submitted my paperwork on time and they failed to process my application correctly. This situation is really frustrating. As a consequence of them not managing my account correctly I missed one of the payments towards the loan forgiveness program. I will really appreciate your help. I honestly dont know what else to do. I called to solve it almost daily and they dont know what they are doing. Thank you for your help! I just want to pay correctly my student loan.
Product: Checking or savings account

Hello, I am reaching out in desperation and distress regarding the closure of my US Bank checking account and the unjustified delay in releasing my funds. 

On XX/XX/XXXX, I lost access to my checking account without prior notice. My mortgage payment was returned, and all my bills have gone unpaid since XX/XX/XXXX. On the same day, I received a letter from US Bank ( attached ) stating that my accounts would be closed and that a cashiers check would be issued within 15 business days. However, no check has been issued, and my full account balance ( ~ $ XXXX ) remains unchanged when I check via phone. My online access has been revoked, and I am receiving no updates despite repeated calls and branch visits. 

This delay has caused severe financial hardshipI am late on my mortgage and accumulating fees. I have been borrowing money from friends to cover basic necessities for my family. I have also suffered XXXX XXXX XXXX in the past, and this ongoing stress is taking a serious toll on my health. 

US Banks customer service and branch representatives have been uncooperative, offering no resolution or timeline. I can not afford to wait any longer. I demand immediate action to release my funds. Please escalate this matter urgently and provide me with a clear resolution. 

I appreciate your immediate attention to this critical matter. 

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

In 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 USC 1681. I told XXXX, Trans Union and XXXX to investigate this account. XXXX XXXX XXXX that starts with XXXX. According to 15 USC 1681. Section 602A states that I have the right to privacy, Also 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnace an account without my written instructions Also 15 USC 1681C section ( 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 conviction of crimes, which antedates the report by more than seven years.

15 USC 1681S-2 ( A ) ( 1 ) A persons shall not furnish any information relating to consumer to any consumer report an agency, if the person knows or has reasonable calls to believe that information is inaccurate.
Product: Checking or savings account

Deposited a check for XXXX XXXX Check was first held from the XXXX of XXXX to the XXXX. During that time they locked our account for suspicion of fraudulent activity. We sent in the papers they required from us on the XXXX, during which they said it can take up 5 to 10 business days for the tax department to fix our account. It has been 10 business days and our account is still restricted, and we have to pay our rent late because of this. We called multiple times and they said all we can do is wait since there is no contact with the tax department.
Product: Credit reporting or other personal consumer reports

After receiving response that my account/debt was verified. I sent in a XXXX  letter on XX/XX/XXXX  to all 3 credit reporting agencies regarding account XXXX XXXX XXXX ( XXXX ) XXXX based on 611a ( 7 ) and 15 USC 1681g. These agencies have failed to respond and/or furnishing the requested information or documents requested or the process, who they spoke with, what documents they received, what records where checked, how the account was verified, or what was used to validate this debt with the creditor during the the reinvestigation and none of this information was sent to me via mail as requested in the XXXX dispute letter.. This is a violation of the FCRA. Also this creditor is in violation of 15 USC 1581. in this case there is unlawful deformation of my credit. There is no documentation furnished with my wet signature, no original contract, or nothing from me stating I gave my permission for this to be reported on my credit report.
Product: Mortgage

Sold our home on XX/XX/XXXX. Received letter stating our escrow check would be refunded within 30 days. After not receiving check we called on XX/XX/2019. They said check had been sent out! We said we had not received check.They canceled check. On XX/XX/XXXX we received a checked dated XX/XX/XXXX with a USPS canceled envelope date of XX/XX/XXXX. We cashed the check since we believed that the check was in good order and since it was postmarked XX/XX/XXXX. Check then bounced. Called company they said that sent check on XX/XX/2019. As of XX/XX/2019 we have not received a check for our escrow balance and we have incured stop payment fees of {$10.00}. This Servicer Select Portfolio Servicing Inc. has been using our money and not refunded our escrow funds in a timely manner with in the 30 days. It has now been almost 60 days and we still have not received our escrow funds which is in excess of {$4700.00}.
Product: Checking or savings account

I have a complaint with us bank online money transferring services the problem started on Thursday when I tried to transfer XXXX dollars into my negative balance of my savings account when I tried to transfer the balance it gave me a error message stating you need 5 or more dollars to transfer but from experience on online banking with XXXX XXXX XXXX i never had this restriction when i transfer {$1.00} to {$4.00} dollars when my account is negative balance without using overdraft protection but when I opened my second bank account with us bank I told can i transfer money from my account just in case it gets negative without using overdraft protection and the rep said yes and i said okay sign me up but when I signed in to online banking my account was negative so I decided to transfer money from checking to savings in the amount of XXXX that was on Thursday and It told me i need 5 or more dollars to transfer I had this issue when i opened my account with us bank and i am still having this issue.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX OF XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made.

It is the result of my personal information being stolen and used without my authorization or knowledge I am a victim of identity theft : XXXX XXXX XXXX XXXX  ACCT XXXX ) ADDRESS : XXXX XXXX XXXX XXXX FL XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. INQUIRIES : XXXX via XXXX XXXX XXXX XXXX XXXX 
Please block and/or delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit card or prepaid card

Because of the pandemic I had to file for unemployment assistance. I openeb my EDD acct. on XX/XX/XXXX, my claim was retroactive to XX/XX/XXXX which ment I would receive a large inital deposit to my Bank of America EDD prepaid debit account. Because of the large volume of people appling for unemployment I was informed it could take 4 to 8 weeks to confirm identity and that the claim was legitament. I never received my BofA EDD debit card and sent 3 emails to EDD through my UI online account. At the time it was impossible to reach Bank of America or the EDD by phone and speak to an actual person. After weeks of trying I finally was able to get a BofA EDD replacement debit card through their online site. I received the caed on XX/XX/XXXX, when I activated my card I found out {$12000.00} had been taken from my account. I contacted BofA to report that the first card they sent me had been stolen through the mail and that {$12000.00} was missing. They took my report and opened an investigation on XX/XX/XXXX and credited my account {$1500.00}. On XX/XX/XXXX they said my claim had been resolved for {$1500.00} and the claim was closed. For the mext few months I tried to reach BofA through USPS, EMAIL and telephone without success or reply. On XX/XX/XXXX I finally got through by phone and opened a new claim, I received a letter from BofA on XX/XX/XXXX stating that my claim had been denied because of fraud or suspicious activity on my account. My account was immediately closed locking me out of all my money in the account, the account is still locked as of today XX/XX/XXXX. On XX/XX/XXXX I sent a package via USPS certfied containing a 3 page letter explaining my situation, a police report, my emails with EDD, copies of the deposits to my account from EDD and copies of email sent to BofA. I also requested all documents related to my claims and account, I have not recived anything back from Bank of America.
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 and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 49. financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report identity theft. 

While reviewing my credit report, I discovered A fraudulent accounts that I did not authorize : XXXX XXXX XXXX Account # XXXX This account is not mine, and I have no connection to them. These inaccurate accounts are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts from my credit report.

Thank you for your prompt attention to this matter.

15 U.S. Code 1681c2 states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized accounts that reporting on my credit report. Since this is a strict violation of FCRA laws I need the accounts removed from my file as soon as possible. 
US DEPT ED XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$4700.00} US DEPT ED XXXX Balance Owed : {$3800.00} US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX Balance Owed : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized Hard inquiry on my report dated XX/XX/2022. 
I demand under FCRA Sec 604 : XXXX. Permissible Purpose XXXX. My written Authorization XXXX. Proof that I personally initiated this Inquiry.

There has been no Response since XX/XX/2022.
Product: Checking or savings account

Bank of America not giving any updates or information regarding my money being unavailable.