23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Dear CFPB : I have to file a complaint against Wells Fargo business checking for incessantly harassing me in spite of knowing that I was a victim of bank fraud. I filed that complaint in XXXX. The CFPB case number was XXXX. Before filing in XXXX, I reported the fraud to them in XXXX. That 's why I was incredulous that Wells Fargo would call me three times a day starting at XXXX ending at XXXX from XXXX XXXX XXXX XXXX. The bank never asked me how I was trying to reclaim and recover the money. Every word regarding the bad news, XXXX spewed about Wells Fargo was true because I am experiencing this first hand.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following accounts and inquiries on my credit report were not authorized by me : XXXX Accounts : XXXX. XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$XXXX} XXXX. XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$XXXX} XXXX. XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$XXXX} XXXX. XXXX XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$XXXX} XXXX. XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$XXXX} Fraudulent Inquiries : XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Checking or savings account

Dear Sir/Madam, I am writing to bring to your attention a concerning issue regarding the handling of my claim for non-receipt of goods with Bank of America XXXX On XX/XX/year>, I filed a claim ( Claim ID : XXXX ) for {$2100.00} due to the non-delivery of goods. Despite several months of waiting, I have yet to receive a satisfactory resolution or a refund. 

At the outset of my claim, I was informed that I would receive a temporary credit for the disputed amount. Subsequently, I was told that I would need to wait 45 days for my claim to be processed. However, this period was then extended to 90 days without any clear explanation. After this extended period, I was informed that I would need to wait for a response from XXXX, without being provided with any clear details on the status of my claim. 

I would like to emphasize that the handling of this claim has been marked by a severe lack of professionalism and support from Bank of America. I have received contradictory information from various customer service representatives, and no tangible assistance has been provided to resolve my issue. This behavior appears to contradict the bank 's obligations toward its clients concerning claims processing, as outlined in Florida law and banking regulations. 

Furthermore, the handling of my claim seems to be in direct conflict with the requirements set forth by Regulation XXXX of the Federal Reserve, which governs electronic funds transfers and mandates that financial institutions investigate and resolve customer claims within specified timeframes. Under this regulation, banks are required to issue a temporary credit within XXXX business days of receiving notice of an error and complete their investigation within 45 days. If the investigation takes longer, an extension is possible, but the customer must be adequately informed of the status of their claim. 

Additionally, I would like to remind you that Bank of America 's practices may be subject to the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), which protects consumers from unfair and deceptive business practices. The lack of transparency and contradictory information provided by Bank of America may constitute a violation of this act.

I am therefore requesting your assistance in recovering the {$2100.00} that is owed to me. I also ask that Bank of America be held accountable to its legal and regulatory obligations concerning the timely processing and resolution of claims, as stipulated by Florida law. 

I would be grateful for your intervention to ensure that this matter is resolved as quickly as possible, and I kindly request clarification on the available legal recourse to enforce my rights in this case. 

Thank you in advance for your help, and I look forward to your prompt response. 

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

I disputed in XXXX one account that are not mine and another that I was never late on. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.
Product: Credit reporting

I requested that a Discover Credit Account be removed from my XXXX credit file. The account lists me as an authorized user. I am not an authorized user on this account. I never gave my permission to be listed on this account. XXXX and XXXX removed this account from my file, but XXXX has not after multiple requests.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report after two previous disputes, which constitutes a violation of 15 U.S. Code 1681i ( 5 ) under the Fair Credit Reporting Act ( FCRA ). 
Account Information : - Account Number : XXXX - Creditor Name : XXXX XXXX Date of Charge Off : XX/XX/year> - Amount : {$0.00} The account in question is an auto loan that was reported as charge off but has been paid in full. Despite providing documentation in previous disputes that demonstrates the inaccuracies of this information, TransUnion has failed to remove it from my credit report. Additionally, this account is reported solely by TransUnion and not by other credit bureaus, which further indicates an error in the reporting. 
The FCRA requires credit bureaus to delete disputed information within five business days after the reinvestigation if the dispute is not resolved, as stipulated in 15 U.S. Code 1681i ( 5 ). The continued presence of this incorrect account on my report violates the following FCRA provisions : 1. 15 U.S. Code 1681e ( b ) - Credit bureaus are legally required to ensure maximum accuracy of the information they report. The fact that this charge off appears exclusively in TransUnions report suggests that TransUnion has failed to verify the accuracy of its data.

2. 15 U.S. Code 1681i ( a ) - TransUnion is required to conduct a reasonable reinvestigation when the accuracy of any item in the report is questioned. The failure to correct the disputed information after two attempts constitutes a violation of this obligation. 
TransUnions lack of compliance has caused significant financial damage and emotional distress, impacting my ability to access credit fairly. I request the CFPB to investigate this matter thoroughly and take the necessary actions against TransUnion for its continued non-compliance with the Fair Credit Reporting Act. 
I am seeking the immediate deletion of this inaccurate account from my credit report and any other remedies deemed appropriate by the CFPB to ensure that TransUnion fulfills its legal obligations. Attached to this complaint, please find the supporting documentation, including the original disputes, proof of payment for the auto loan, and my current credit report reflecting the erroneous information. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in enforcing compliance with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have new and updated information regarding Equifax failure to comply with federal law. 
I have requested on several occasions that Equifax and XXXX PROVIDE ME WITH ALL DOCUMENTS that were used during their reinvestigation. Pursuant to 15 USC 1681d ( b ) EQUIFAX AND XXXX SHALL PROVIDE ME WITH A COMPLETE AND ACCURATE DISCLOSURE OF THE NATURE AND SCOPE OF THE INVESTIGATION. This should have been delivered to me within five days of requesting. This is a violation. 
The only response I keep receiving is that they have verified with XXXX XXXX the alleged account belongs to myself the consumer. 
Pursuant to 15 USC 1681 ( a ) ( 3 ) Equifax and XXXX assumed this vital role in assembling consumer credit and other information. 
Pursuant to 15 USC 1681 ( a ) ( 4 ) Equifax and XXXX failed to exercise their grave responsibilities with fairness, impartiality, and respect for my right to privacy as a consumer.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking 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, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$960.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$960.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I filed the correct paperwork per the FCRA and sent it with my dispute to the credit agencies to remove the accounts. They did not attach the paperwork properly and did not follow the law. And I was not given copies of the verification process like the FCRA says Im supposed to get.
Product: Credit card

The original credit card was with XXXX and went into collections in XXXX with XXXX XXXX. In XXXX, XXXX XXXX using Pressler and Pressler filed the judgement # XXXX in XXXX XXXX NJ against me on XXXX/XXXX/XXXX. This is outside the state statue of limitations that a judgement can be filed against me in the state of NJ which is 6 years. I have asked for the original paper work that was used to filed the judgement and Pressler and Pressler is refusing to provide this information. Please help me have this removed ASAP as this is keeping me from closing on my new home on XXXX/XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX illegal holding my funds for an unsecured credit card ending in XXXX under a so called right of offset which by law doesnt include credit cards. The credit card was supposed to be charged off back in XXXX, I went through a divorce in XXXX that was the caused of my financial hardship during this time I requested a XXXX and was advised to write a letter stating a payment plan and they wanted XXXX or XXXX XXXX back than. and currently displaced homeless due to financial issues. I was in NC XXXX visiting my daughter when XXXX locked me out of my accounts without notice or warning and told me someone was going to get in contact me which no one reached out, I had to find a way to get back to NY and went straight to the credit union to see what the issue was, I was told to call XXXX XXXX XXXX because they was in control of my accounts and when I called them they said they dont have any record of my account. I recently received a phone call from a law office of XXXX XXXX XXXX XXXX, XX/XX/XXXX. I requested information about a judgment or what rights do this credit union have to hold my money in account with allowing me to withdraw draw but I can deposit. I was never notified of the last payment made in the date was the account closed and charged off, and who the account actually belongs too. XXXX XXXX XXXX settled on XXXX XX/XX/XXXX and still reporting {$15000.00} as if it is still an active debt and updating as if the credit card as if its active revolving the dates and month on the credit report doesn't have a correct dates on it which is Manipulating the Statue of Limitations and the account is time barred In accordance with the Fair Credit Reporting Act XXXX  accounts, XXXX XXXX account # XXXX, also account XXXX has violated my rights 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 also state a consumer reporting agency can not furnish a/an account without my written instructions.

ccordance with section 611 ( e ) of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C.

1681i ( e ), which was added to the FCRA by section 313 of the Fair and Accurate Credit Transactions Act of 2003 ( " FACT Act '' ).! The Commission is the federal agency with primary responsibility for compliance with the FCRA and operates a system for receiving complaints from consumers about possible violations of the FCRA.

The information on the credit reports are incorrect and the amount can not and will not reflect the true, creating unnecessary hardship Please delete these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio had a debt from a XXXX credit card. It was referred to an attorney XXXX XXXX XXXX  who accepted payment on behalf of their client ( portfolio ). The original balance was {$5600.00}. I settled with a payment for {$3900.00} on XX/XX/2018. I spoke with XXXX XXXX at XXXX ext XXXX. XX/XX/XXXX states that once the account was paid it would close with them then turn back to portfolio to close the account. I asked if they would delete the collection from my credit report. She told me they would. I asked this question twice. To which I was told twice once paid the collection would be deleted. 

Now the balance on my credit report is showing the payment I made. It is not showing a XXXX balance. It is also still showing as open collection. 

I contacted portfolio by email to which they have not responded to me. 

This matter needs to be fixed. I have the recording of where the associate told me the account would be deleted. A lawsuit will be filed against portfolio of this matter is not resolved.
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as trascation agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Money transfer, virtual currency, or money service

Hi Sir/Madam, The situation is as follows. 
I purchase a XXXX laptop and an XXXX XXXX XXXX on XXXX. The payment method is a XXXX  XXXX XXXX credit card that on my PayPal account. 

The total amount of the purchase is {$4700.00}. After I purchased it, due to the pricing issue I canceled the order online and XXXX said they will refund to my credit card. In the same day the {$4700.00} was refunded but it refund to PayPal account balance not my XXXX  XXXX XXXX credit itself. So I need to transfer such funds to my personal checking account in order to pay off the charge.. The transfer was completed but then after a few days, I received an email from PayPal that they are going to suspend my account. 

Today XX/XX/XXXX, PayPal reverse the ACH transfer and made my account overdraft .. it is ridiculous and it is a FRAUD. The purchase already POSTED on my credit card and either your should refund the credit back to my credit card or I need the refund money back to my account in order to pay off the charge but now you reverse the credit then how can I pay the card? 

It is unacceptable and rude. They didn't say or notice me anything on this. 
The activity on my PayPal account. 
XX/XX/XXXX XXXX - {$2600.00} ( Purchase from XXXX ) XX/XX/XXXX XXXX - {$2000.00} ( Purchase from XXXX ) XX/XX/XXXX XXXX + {$4700.00} ( Refund to my PayPal account balance not credit card ) XX/XX/XXXX PayPal - {$4700.00} ( I transfer the balance to my checking account and the status was already completed on XX/XX/XXXX ) The activity on my personal checking account. 
XX/XX/XXXX PayPal XXXX {$4700.00} XX/XX/XXXX ACH HOLD PayPal Reversal - {$4700.00} PLEASE HELP...
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ), 12 CFR 1026.2 ( a ) ( 11 ) and 16 CFR 433.1 ( b ). 
////CITIZENS ONE AUTO FINANCE is CONSUMER REPORTING AGENCY pursuant to 15 USC 1681a ( f ) ( p ).

This is a dispute pursuant to 15 USC 1692g/// CITIZENS ONE AUTO FINANCE violated the FCRA for furnishing and reporting negative information on my consumer report that is inconsistent with the Permissible Purpose under the FCRA 15 USC 1681b. /// CITIZENS ONE AUTO FINANCE violated my consumer right to privacy which is a violation of 15 USC 1681 ( a ) ( 4 ) //// CITIZENS ONE AUTO FINANCE reported some negative transaction information, in violation of 15 USC 1681a ( 2 ) ( A ) ( i ), which clearly states that the consumer report does not include any report containing information to as transaction or experiences between the consumer and CITIZENS ONE AUTO FINANCE ./// CITIZENS ONE AUTO FINANCE also violated 15 USC 1681b ( a ) ( 2 ) for furnishing the negative information in my consumer report without my written consent. 
///// CITIZENS ONE AUTO FINANCE also violated 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and 2 ( 7 ) ( B ) for failure to send me a NOTICE OF NEGATIVE INFORMATION as mandated by the FCRA. 
I'm being denied credit and jobs opportunity due to CITIZENS ONE AUTO FINANCE non-compliance and violation of the FCRA /////I DEMAND the complete removal of the CITIZENS ONE AUTO FINANCE account including and not limited to any NEGATIVE REMARKS furnished by CITIZENS ONE AUTO FINANCE/// NOTICE IS GIVEN : In the event CITIZENS ONE AUTO FINANCE failed to comply with the FCRA , this complaint will be used as exhibit in any future federal complaint in Federal Court for the above referenced violations of the FCRA. And this account with be reported to the IRS for proper audit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to check my credit score ( Transunion ) on XXXX XXXX on XX/XX/2022 and noticed that my score had suddenly vanished. Prior to this it had been up to XXXX due to a six month history of reporting my rent payments. I used XXXX XXXX to report my rent payments for my XXXXXXXX XXXX XXXX. I had no credit prior to this and wanted to use this as a means to build some. When looked into this matter further, I had discovered that they No longer support the XXXX XXXX  XXXX XXXX has to report credit and as a result, the ONLY account giving me credit was closed without my approval or knowledge and my six month credit history was just gone. There was absolutely no notice given to me about this change. I just got off of the phone with Transunion today ( XX/XX/2022 ) to see if I could at least get my score to show back up and they said they could do nothing because there was no account.