23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had a checking account with Bank of America. My fianc had his checks deposited into my account from the IRS and unemployment. My fianc took his funds out of the account so the only funds in the account belonged to me. I had about {$11000.00} in my account. Bank of America decided to look into the acct and state the checks that were deposited ( my fiancs ) were not in my name so they closed my account. They stated {$9600.00} of that money would be returned to the sender ( IRS & unemployment ) so it can be returned to us. The remaining {$2000.00} maybe would be sent back to meThis incident occurred XX/XX/XXXX. I then called a few weeks after to see if the funds were returned, they could not provide me an update and told me my funds would be held in their back office they stated they do not have a timeframe on when the funds would be returned. I called again afterwards and someone told me they were waiting on the sender ( IRS & Unemployment ) to verify the funds and they sent a letter to them in order to do so. I called in XX/XX/XXXX and was then told that WE needed to call IRS and unemployment to recall the funds. We contacted IRS and was told that they did not need to recall the funds the bank should be able to return the checks but we asked them to. IRS initiated a trade to recall the funds and let us know it would take 90 days for an update. We contacted them in 90 days and stated they do not have an update. They spoke with someone from BANK OF AMERICA and got disconnected no updates since. This occurred in XX/XX/XXXX. I have been calling ever since and the bank just tells me there is nothing they can do unless XXXX AND IRS recalls the funds. We are now in XX/XX/XXXX. It has been a whole year the bank has been unlawfully holding onto our funds. Our family has suffered dramatically from this. We did not have any money and became homeless. Bank of America has caused such an inconvenience to us and a financial struggle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

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

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of First Delinquency : XXXX XXXX Amount Past Due : {$260.00} Account Number : XXXX XXXX Account Status : XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX CO ) : # XXXX, XXXX XXXX # XXXX, XXXX : # XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX ) : # XXXX, XXXX, # XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 1

5 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

On XX/XX/2017 Transunion finally deleted a medical account that was wrongly reporting. They were the last of the three to delete the account. Recently the account was added back on to the report bringing my score down. I sent them a 5-day rescission letter asking them to remove the account and they did not. It is still on my report, and I would like for them to remove the account permanently. I am attaching the deletion letter I was sent from Transunion on XX/XX/2017.
Product: Credit reporting or other personal consumer reports

Can transactions be reported on Credit Report? 





XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX District of Columbia ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Trafficking Block Request [ Your Account Number ( if known ) ] Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

All Late Payments, All Collections, and All Inquiries. 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX District of Columbia ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

For the past two years, my mortgage was sold from one company to another, while I was in modification process, by the time the process goes thru, my mortgage would get sold. then I would have to start all over again with the other company. I have dealt with XXXX mortgage companies in the past three years, this last company Nationstar has been the worst, they dragged me thru this modification process, just to deny it and refuse to do anything, stating me its too late, I am desperate and very upset and do n't know what else to do.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Experian Information Solutions Inc . They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( 7 ). Because the list of accounts below are not accurate. The high balance, last verified, date reported, date of last activity, date opened, closed date, and date of last payment is NOT 100 % accurate. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not modify 100 % or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). I attached a consumer report as evidence.
Product: Debt collection

I am writing to EXPRESS MY DEEP CONCERN AND ANNOYANCE regarding the ongoing dispute about the accuracy of the information on my credit report. Despite my previous attempts to rectify the matter, it appears that your bureau has yet to appropriately address my concerns. ACCOUNT INFORMATION : XXXX XXXX Date Opened : XXXX Balance : {$0.00}. Upon thorough review of my credit report, I have identified persistent inaccuracies in the payment history and status of the mentioned account. It is alarming to note that the Compliance/Obsolescence date, crucial for determining the 7-year reporting period, seems to have been improperly adjusted, possibly violating FCRA guidelines. I want to explicitly highlight that both XXXX and XXXX have already ACKNOWLEDGED AND REMOVED this account from their records, citing an error. I am BAFFLED as to why your bureau continues to VERIFY this information while others have PROACTIVELY RECTIFIED the issue. I must EMPHASIZE that I am THE VICTIM in this situation, and the CONTINUED IGNORING of my requests has left me EXTREMELY ANNOYED AND XXXX. The actions taken by other bureaus affirm the VALIDITY of my concerns, and I am growing increasingly FRUSTRATED by the prolonged lack of response from your end.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023 I received an adverse action notice from this company via email for a loan I did not apply for. I chatted with someone online via their website and informed them of this fraud, and they were not helpful and alluded that I had done it but had forgotten. This is not the case. 

I then called and spoke to customer service who was unable to locate my information. I was calling to request information, including copies of the application, which was fraudulent, and I informed them of the fraud. They continually questioned that I was calling the wrong company, but I confirmed I was calling the correct company on several occasions. Nothing came about from their contact, and according to what I was told, nothing was done because they couldn't find the application. He also stated that the address I read from the Adverse Action notice was not the company 's address. 

I also checked with the credit agency included in the Adverse Action Notice, and they had made an inquiry that matched the same company name. They should have a record of this application.
Product: Credit card

While traveling overseas, I was given a drink that was XXXX for several hours. During this time my wallet was stolen, a merchant initiated fraudulent transactions totaling over {$20000.00} across every credit card in my wallet, then after I had awoken ( and not realized I was XXXX ) my wallet was returned to me as " found ''. I did not realize these charges were made until I saw fraud alerts on my phone the next morning. 

I have attempted to resolve the issue with Chase multiple times and they have rejected my case and declared " You notified us that this transaction is valid '' This is false. 

The charge in question was to a merchant I never visited nor can I identify. An internet search of the merchant yields no results and does not appear to exist. It was XXXX of the XXXX merchants that initiated charges on my cards that night. 

I have tried to contact them multiple times and have been told someone will contact me within 24-48 hours and no one ever does.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX financial institutions and the Consumer reporting agencies XXXX, XXXX, and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, and XXXX Bank whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that but it states in 15 USC 1681C ( a ) ( 5 ) " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Experian, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Please block this information from my credit report within four business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. 

Thanks, XXXX XXXX
Product: Debt collection

After a careful review of my credit report, I discovered unauthorized accounts. I demand that these fraudulent entries be removed without delay.
Product: Credit card or prepaid card

XX/XX/2022, I had several charges to XXXX that I didnt make. Account was closed and XXXX other accounts were created. 
XX/XX/XXXX, I get an email that a failed attempt at XXXX was denied. I didnt do this. Logged into my account and there are several phone numbers and email addresses that I dont recognize. I take a screenshot and delete. There is also the same phone number that was linked to my account when it was hacked on this new account. I can not delete it. I also got an email saying I applied for and got a new Capital One XXXX credit card. I didnt apply for this either. I called Capital One, but because its a weekend, they cant help me.
Product: Debt collection

Dear Sir I received a letter in the mail from this company called Velocity Investments LLC, and XXXX  XXXX XXXX for a debt. They say I owe XXXX dollars for a debt they are trying to collect. The reduced amount is XXXX to settle the debt. I lived in the XXXX XXXX XXXX XXXX for 31 years I paid my bills on time I am a veteran and I worked for the XXXX XXXX XXXX XXXX  for 17 years and the monitored my debt activities and I had to keep my bills paid on time so t could keep my job with the department. I paid my home loan with XXXX  XXXX XXXX and auto loan with XXXX XXXX bank. I kept my credit monitored back XXXX XXXX because I was a victim of credit fraud. And the government offer credit monitoring for employees. This letter I received in the mail from them on XX/XX/2020.
Product: Debt collection

They are calling people in my extended family whom i have no contact with. I dont know who they are or what they want. If they want to contact me they need to do so by mail.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to remove the bankruptcy from my credit report despite its obligation to ensure the accuracy of reported information. Additionally, TransUnion can not verify the bankruptcy directly with the court, as courts do not provide verification services to credit bureaus. Instead, credit reporting agencies typically rely on third-party vendors for this information, which increases the risk of inaccuracies. Since TransUnion can not independently verify the bankruptcy, it should be removed from my credit report under the Fair Credit Reporting Act ( FCRA ) unless it can be properly substantiated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Under 15 U.S.C. 1666a, if a debt is charged off, that means the original creditor has written it off for tax purposes. If they sell it to a third party, you no longer owes it- because you had no contract with the new collector.