23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am/was in the process of looking for a manufactured home and was working with a realtor. He recommended XXXX XXXX with Cherry Creek Mortgage. I had filled out the paperwork and submitted on XX/XX/2022 at XXXX, after filling out the paperwork I realized I was not prepared and needed to work on my debt to income ratio. I notified Cherry CreekXXXX XXXXXXXX on the morning of XX/XX/2022 at XXXX I emailed XXXX at her direct email and asked her not to submit my application that I was withdrawing it until further notice. I received an email from XXXX on XX/XX/2022 at XXXX stating she had sent the application to two lenders and it was declined. I am now getting notices of adverse credit decisions even though I asked her not to do it. Because of this, I am now getting all these offers to pay down debt with various debt resolution companies. This is not right. 

I kept all the emails in the event additional information is needed.
Product: Checking or savings account

I received an EIDL loan in XXXX for {$8000.00} to my personal checking account that was approved to me as an XXXX XXXX XXXX XXXX. At the end of XX/XX/2020 Capital One restri cted withdrawals and on XX/XX/2020 withdrew the entirety of my account of {$4800.00}. Numerous phone calls to capital one have not resolved my complaint nor justified their actions based on s uspicions of fraud. Capital One told me they sent the funds back to the SBA to which SBA do no t have any receipt or record of. Numerous attempts to call capital one to tell me where the funds have gone are unresolved. Please help mediate and find where capital one did with my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

Im seeking your assistance with this incorrect account appearing on my credit report. I have raised this issue as it has hurt my reputation as a customer, and I need your help. These accounts need to be removed due to the negative and inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Product: Credit card or prepaid card

Claim ID - XXXX Claim AmounXXXX - {$42.00} I bought a new denim jeans from XXXX. Wore it twice and washed it once after which it changed the dimensions and became loose. The only reason this would have happened would be due to the quality of fabric used for the production of the jeans. And this is why I reached out to the merchant. As mentioned in the documentation to bank of america, I opened a case with the merchant to take back the item, after which they only asked for photos of the product and few questions. After few days, without providing any justification, the merchant denied the claim with a pretty vague statement that I have already shared with bank of america. I then went ahead and filed a dispute via bank of america and provided all required information for the process of my claim. The bank took a long time to determine that they will deny the claim, once again providing no clarity with regards to the issue raised in the claim - " We're unable to dispute merchandise that has been altered. To dispute your inquiry further, the item ( s )  needed to be returned to the merchant in the same condition it was received. '' This doesn't makes any sense as I have not altered the jeans in any way and as explained in my documentation to the bank, the merchant isn't willing to take the item back. First of all, the merchant is bound to provide quality clothing. I did follow the wash instructions and was not at any fault. I filed the claim directly with the merchant within few days and within their 30 day return time frame. The very least that the merchant could have done is to take the item back, which they never agreed to, and should have investigated the claim using their quality control department. Denying the claim simply on the basis of photographs is absolutely not fair in my opinion. On top of that, the basis on which the bank decided to give the merchant benefit of doubt is beyond my understanding. I would like to use this medium to have someone from the bank to reconsider the claim and investigate with fair rules.
Product: Debt collection

Dear CFPB, XXXX has placed me in collection with the agency described below.As result of this the balance on the account was reported to the credit agencies. I dont have any knowledge of me owing XXXX  money nor I was aware that they were attempting to collect any debts from me.I dont believe is a fare business practice to report my account to the credit agencies and cause my credit to be damage for a debt that is not even legit. I would appreciate your assistance resolving this matter as I am trying to have this collection account removed from my credit report as soon as possible. I believe this is an abuse of power and invasion to my personal credit. Thank you and I look forward to your answer. 



You've paid off 0 % of your collection amount. 
Balance {$330.00} Highest Balance {$330.00} Opened XX/XX/2018 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

On XXXX I sent Equifax a dispute letter regariding accounts reporting on my consumer file that I never recalled providing Equifax any permission or written instructions to furnish a copy of consumer report as stated under 15 U.S. Code 1681 ( a ) ( 2 ). In addition it has been over 30 days I haven't received a response from Equifax regarding my dispute as under 15 U.S.C. 1681i ( 5 ) ( a ) ( i ) which in the court of law is the same as consent that the accounts in dispute were not legally provided the permission or written instructions from the consumer to whom it relates as per the Fair Credit Report. The accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were the accounts included in my dispute and they should be deleted from my report in accordance to the Fair Credit Reporting Act.
Product: Checking or savings account

On XX/XX/2024, I opened a High Yield Savings Account with BMO Alto. The account was funded with slightly over {$14000.00} on XX/XX/XXXX from my personal savings account. After funding the account, I linked my checking account to the new BMO Alto account as the Savings account was closed due to all of the funds being disbursed to the new bank. After attempting to transfer a small amount of funds to my checking account in order to make the down payment on a vehicle, BMO Harris locked my account and instructed me that they will be closing my account due to fraudulent activity. After speaking with an individual on the phone, the closure was due to " Multiple accounts being linked and excessive transactions ''. There has been one transaction outside of the funding of this account. After contacting BMO Alto for four consecutive days, they are unwilling to provide me with information on how the funds will be reversed to the originating back and will not provide me with any information or a timeline as to how to proceed. At this point, BMO Alto is holding my funds with no information or procedural instructions on how to proceed.
Product: Money transfer, virtual currency, or money service

I have been contacting Coinbase since XX/XX/2020 to lift holds that have been put on my account. 

I am not given any information as to why my account is restricted, just with the following message - " Account Restricted You are currently unable to buy and sell crypto on Coinbase. Please visit https : //support.coinbase.com for assistance. '' When I visit the webpage and submit, they don't respond at all. I have more than {$10000.00} worth of money there and I can't sell/withdraw that money to my bank account. 

This is a repeated pattern and you can see them intentionally ignoring all the customer complaints at XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear XXXX, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. 

These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 

Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. 

I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting or other personal consumer reports

Appling for new rental lease, landlord ran credit report and there is unknown debt reported that could affect my future and daughters future negativity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously explained that my car was broken into and some of my personal identification was taken. I have since noticed that several attempts has been made to purchase things using my information that I did not do. The things listed on this report is fraud and not mine. You removed everything except the inquiry for XXXX XXXX XX/XX/21.
Product: Credit card or prepaid card

I made a couple of one-time purchases for digital items in the App store using Paypal on my daughter 's phone. Without my permission, Paypal added her device as a " known device, '' allowing her to rack up hundreds of dollars in charges without my permission. I use Paypal when making purchases for my children, so I will have to enter a password, and they can't unknowing buying things with the scan of a face ID. 

I have contacted PayPal in writing, on the phone, and by chat, and I can not get an answer from them that is actually specific to my actual situation. The resopnces I have gotten range from " we can have canceled the subscription '' to " I have purchased undisputed on that device before ''. I can not get PayPal to provide me anything showing when they started associating my daughter 's phone with my Paypal account to bypass the password. I can not get a response as to why they did not send me any emails or notifications that an additional device would be allowed to make purchases using my Paypal account without entering the password.
Product: Credit reporting, credit repair services, or other personal consumer reports

Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I discovered a fraudulent charge to my Chase checking account from XXXX XXXX for {$2100.00}. I called my bank and they reversed the charges. On XX/XX/XXXX, I received a document from Chase Bank saying that they were reversing the charge to my account. When I called Chase, they said they could do nothing about it since XXXX XXXX refuses to reimburse the funds taken. I called XXXX XXXX and they refused to refund the money since the person who took the funds had my debit card information, including the three digit code on the back of the card. I am waiting for a fraud id number from XXXX XXXX. I was told to take this information to my local police force 's fraud division. Even with all of this, there is no guarantee that I will get my money back. From what I understand from my conversations with Chase and XXXX XXXX is that there were areas that both companies could have done to stop this from the beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes along with Identity theft reports/police reports to XXXX  for fraudulent accounts and inquiries. They have not properly investigated these items nor provided sufficient evidence that i opened these fraudulent accounts. They refuse to remove all inaccuracies on my credit and it is damaging it bad!
Product: Credit card or prepaid card

My complaint is solely with Bank of America ( BofA ) card services. I requested a credit increase on my BofA credit card. The BofA computer rejected it and gave written reasons supposedly derived from the XXXX credit report. However, I got my XXXX credit report which **proved the BofA written reasons were totally false. ** Further, when discussing the rejection reasons with XXXX, their representative confirmed the BofA reasons were false. 

BofA writes " Serious Delinquency. '' Yet, the XXXX report and the XXXX representative see NO DELINQUENCY OF ANY KIND ON ANY OPEN ACCOUNT, and similarly no late payments on any open account. 

BofA writes " Proportion of loan balances to loan amounts too high. '' Yet, the XXXX report nor the XXXX representative sees no such condition. I pay my cards off each month, and most of my charge cards have a {$0.00} balance or close to it. 

BofA writes " Too few accounts currently paid as agreed. '' Yet, the XXXX representative sees no such data. THERE IS NOT ONE SINGLE ACCOUNT THAT FITS THIS BofA 'REASON. ' I provided this information and complete supporting data **in writing** to BofA but they did not address any of these lies contained in their rejection letter. Their complacency in handling this valid complaint with supporting documentation suggests BofA is doing this intentionally.
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. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.
Product: Checking or savings account

I can not access my online account. Accessing my account requires an automated one time code that is called into my landline. Numerous attempts were made XX/XX/year> to receive the code as instructed at XXXX. I recently reported to Chase that it took several attempts to receive a one time code to access my account a week ago. Previous weeks took two and three requests for a one time code. Today 's efforts were futile.
Product: Credit reporting or other personal consumer reports

There are several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report -- XXXX XXXX, on XX/XX/2023 -- -XXXX XXXX XXXX on XX/XX/2023 -- -XXXX on XX/XX/2023 -- -XXXX XXXX, on XX/XX/2023
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that my personal information was incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted XXXX letters to the credit bureaus XXXX XXXX, equifax, and XXXX ) on inaccurate names, addresses, phone number, and job that they are reporting. I have provided them with proper identification the included ; licenses, social security card, and current utility bill as they requested and yet the inaccuracies are still there. They coming back to me with a letter stating verified ; but yet has not showed me how and who verified that all addresses on my credit report are correct. I mailed out letters on XX/XX/2022 and XX/XX/2022 and the credit bureaus keep coming back verified within 5-7 days in which I believe is stall tactic because they haven't state how it was verified so fast. I need these inaccuracies deleted ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 fraudulent accounts. the bureaus just ignore me
Product: Debt collection

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and XXXX XXXX XXXX XXXX  have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( s ) from all three credit reporting agencies due to the violations : KIKOFF - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.