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

I have had a checking account, with a check card/debit card, and credit card with Bank of America for 18 months. I have always maintained my account ( s ) in the utmost financial responsibility. I have never had a late charge, over draft, missed payment, retruned deposit, or any other problem. My average deposits have never dropped below those required to maintain my account.

To the contrary, within the past 30 days, Bank of America has increased my credit limit from {$1000.00} to {$3000.00} without having requested it. The bankpersonell at the branch on XXXX in XXXX have praised my account and have been trying to get me toengage in other bank services. 

Social Security deposits my m, onthly benefit every month into this account. 

Out of the blue, with no explanation and with no reason, I received a letter from the Bank stating that my account ws being closed, incldiung my credit card for which I was just 3 weeks ago charged a yearly renewal fee, in 3 weeks. 

The Branch Manager and officer told me that they could find no reason for such action, and felt it was wrong, but could do nothing about it. No one can give me a reason for this action which will severly and adversely impact me and my SSA payments. 

This is egregious and wrong. By the way, I do not have a copy of the letter because the Bank Branch Manager has it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so exhausted sending letters to Equifax about this issue.. I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Equifax is unable to help me remove this, CFPB please step up and delete Bankruptcy : Discharged CH-XXXX XXXX-XXXX-XXXX
Product: Debt collection

On XX/XX/year>, I submitted a dispute to Capital One and XXXX XXXX XXXX XXXX XXXX  ) regarding two accounts : Capital One secured account ending in XXXX Capital One unverified account ending in XXXX For the Capital One secured account ( ending in XXXX ), I provided a {$1000.00} security deposit when I opened the account. This deposit should have been applied to the account balance or refunded upon closure. However, Capital One failed to apply the deposit or refund it to me when the account was closed. XXXX XXXX XXXX ( XXXX ) then purchased this account, but neither company has addressed the missing security deposit. 

For the Capital One account ( ending in XXXX ), I do not recall opening this account, and I requested validation of the debt. Despite this, XXXX has only provided statements, which do not meet the legal requirements for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I have not received original contracts or any proper documentation verifying this account. 

XXXX XXXX XXXX continues to report inaccurate information to the credit bureaus despite my multiple disputes, and they have not properly verified the debts. Their failure to provide adequate validation has caused harm to my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I disputed these accounts with Capital One and XXXX XXXX XXXX, asking for proper validation of the debts and the application or refund of the {$1000.00} security deposit for account XXXX. 
On XX/XX/year>, I followed up on my dispute as the accounts were still inaccurately reported on my credit profile. 
Amounts in Question : Capital One account XXXX : {$720.00} balance and a {$1000.00} security deposit that was not applied or refunded. 
Capital One account XXXX XXXX XXXX XXXX. 
Despite my multiple requests, these accounts remain unverified and inaccurately reported, and I am requesting immediate deletion of the accounts from all credit bureaus and resolution of the security deposit issue.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data XXXX XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

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

I was affected by the Equifax breach. Someone has stolen my identity. I've taken every precaution to try to secure my information. I've put freezes AND extended fraud alerts on all 3 credit bureaus SEVERAL TIMES ( XXXX - XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) ( Equifax - XX/XX/XXXX ; XX/XX/XXXX ; and I locked the account myself online around that time. I also put a promo block on XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ; XX/XX/XXXX {$5.00} ; XX/XX/XXXX ; XX/XX/XXXX {$5.00} ; XX/XX/XXXX and XX/XX/XXXX ) and they were allowed to be lifted by someone who was NOT ME. I have put verbal passwords in place to ensure nobody can alter my information, but they were either overlooked or accepted pending further questioning to " prove my identity ''. The " further questioning '' consists of questions giving multiple choice answers to someone who has already stolen my identity and can see the answers on my credit report. In one or 2 cases, someone was allowed to fax in " my '' drivers license for the freeze to get lifted. It was NOT MY DRIVERS LICENSE. I shouldn't have to feel like I'm protected over and over again, only to get alerted by my credit monitoring company that new inquires or tradelines are again being opened in my name. I'VE ALWAYS LIVED IN MINNESOTA. The fraudsters have given me an address in XXXX. XXXX XXXX XXXX XXXX # XXXX ; XXXX IL XXXX. I'VE NEVER LIVED IN XXXX! I have spoke to multiple people at the 3 credit bureaus who assured me none of my information would change, YET IT DOES!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th 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 XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have an account on my credit report for AD Astra Recovery but I don't remember ever having an account with this company nor the original creditor, XXXX XXXX. 

I want the company, AD Astra Recovery to produce me a copy of my original contract with them and XXXX XXXX, proving this account actually does belong to me. 

They need to produce me a copy or remove this account from my credit report and stop all collections.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation!

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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX {$6300.00} XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Debt collection

I sent a dispute letter to XXXX  in regards to a collection company named EOS CCA on XX/XX/XXXX and was delivered on XX/XX/XXXX about an account that doesn't belong to me and I never received a response in the mail and by law in the fair credit report act section 611 ( a ) Requires that a company has 30 days to do an investigation on the date of notice they receive the dispute. I never received nothing in the mail from XXXX. I repeat this account does not belong to me. Then I sent two validation of debt letters to this collection agency once on XX/XX/XXXX and was delivered XXXX XXXX. Which another 30 days went by still i've heard nothing from this company which is another violation of the fair credit reporting act. I've now sent out another letter on XX/XX/XXXX that was delivered XX/XX/XXXX to this collection company asking them to cease & desists all collection activities because they have no proof this debt belongs to me. I've sent out three different disputes to this company EOS CCA and still no response I would like for this collection to removed from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used fraudulently on XXXX. XXXX, 2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you regarding my credit report, which I recently obtained and noticed that there are several inaccuracies and discrepancies on it. Specifically, I have identified the following negative information that requires your immediate attention and correction : The personal information listed in my report is incorrect, particularly the account number and previous address of XXXX XXXX XXXX XXXX XXXX, SC XXXX in XX/XX/XXXX. This address is not correct, and I am requesting that it be deleted immediately from my credit report. 

The personal information listed in my report is incorrect, particularly the account number and previous address of XXXX XXXX XXXX XXXX, NY XXXX in XX/XX/XXXX. This address is not correct, and I am requesting that it be deleted immediately from my credit report. 

The personal information listed in my report is incorrect, particularly the account number and previous address of XXXX XXXX XXXX XXXX, SC XXXX in XX/XX/XXXX. This address is not correct, and I am requesting that it be deleted immediately from my credit report. 

There is an account listed under XXXX XXXX XXXX with the account number of XXXX. I am requesting that you verify the payment status, balance, comments, payment history and account number, as they may be incorrect. If any discrepancies are found, please fix or delete this account from my report completely. 

There is an account listed under XXXX XXXX XXXX with the account number of XXXX. I am requesting that you verify the payment status, balance, comments, payment history and account number, as they XXXX be incorrect. If any discrepancies are found, please fix or delete this account from my report completely. 

There is an account listed under XXXX - XXXX XXXX with the account number of XXXX. I am requesting that you verify the payment status, balance, comments, payment history and account number, as they may be incorrect. If any discrepancies are found, please fix or delete this account from my report completely. 

I would appreciate it if you could investigate these issues and make the necessary corrections to my credit report as soon as possible. I am actively working on improving my credit score, and these inaccuracies are hindering my progress. Please let me know once these issues have been addressed and resolved. 

Thank you for your time and attention to this matter. 

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

On XX/XX/year>, I attempted to dispute a public record currently being reported to my Experian account. Experian stated the company that reported the information has certified to Experian that the information is accurate. Therefore, the information was not removed from my credit report. However, the XXXX XXXX XXXX XXXX does not report any information to the credit bureaus. The XXXX XXXX XXXX is not responsible for verifying or validating information from consumers credit files. 

Lastly, I attempted to dispute the inaccurate account again with both XXXX and Experian via certified mail. This time asking for a response in writing on how they verified the information according to the " method of verification '' under FCRA 611 ( a ) ( 7 ). I asked that they include the courthouse, name of person at the courthouse, address of the courthouse and which document obtained to verify the bankruptcy.
Product: Credit card or prepaid card

On XX/XX/2019, someone had stolen my American Express Platinum Card ( AMEX ) information and purchased over {$3000.00} worth of merchandise from XXXX ( XXXX ). I disputed this charge with AMEX and thought the matter ended. The fraudster tried to take advantage of the free shipping benefit associated with my card but forgot to change the address, so those items were shipped to me. I shipped these items back to XXXX because to keep them would be theft. When XXXX received these items for which I was not charged, XXXX issued me merchant credits which appeared on the statement associated with my replacement AMEX card. In a further attempt to do the right thing, I informed AMEX that these credits were issued in error. AMEX responsed by charging these credits back TWICE ( I.e. charging {$600.00} twice ( total {$1200.00} ) for a {$600.00} credit ). I have since called AMEX 11 times to get these erroneous second set of charges taken off. Each time AMEX representatives from both customer service and fraud protection team have given me reassurances that these charges will be removed, do not be worried but that has not happened - in fact, these charges got shifted to pay over time and dispute without my knowledge nor approval. Now, in the 11th call, I am informed that I am on the hook for the entire amount of the reported fraudulent charge. This has turned into an act of fraud against me, perpetrated by AMEX. Because AMEX is clearly running me around in circles, I feel the need to reach out to CFPB.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX Subject : Request to Block and Delete Accounts and Inquiries Mentioned Pursuant to 15 USC 1681c-2 ( a ) Dear Sir/Madam, My name is XXXX XXXX XXXX and my social XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX 
I am writing to bring to your attention that I am a victim of a data breach that occurred on [ Date of Data Breach ]. As per the Federal Trade Commission guidelines on identity theft, I have taken immediate steps to protect my personal and financial information.

In this regard, I am writing to request that you block and delete all accounts and inquiries mentioned below, which were fraudulently opened or accessed by the identity thief without my knowledge or consent. I request that these accounts be completely blocked and deleted pursuant to 15 USC 1681c-2 ( a ), as they pertain to my identity. 

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 XXXXXXXX I have also filed a police report and notified other credit bureaus of the data breach. I request that you take immediate action to block and delete all accounts and inquiries mentioned above to prevent any further damage to my credit report or credit score.

Please provide me with a written confirmation once the requested action has been taken. 

Thank you for your prompt attention to this matter. 

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

EQUIFAX, XXXX AND XXXX HAS SOME INACCURATE INFORMATION ON MY CREDIT REPORT. 

THE FOLLOWING INFORMATION IS INCORRECT PLEASE DELETE : XXXX XXXX XXXXNOT MINE  XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX   XXXXNOT MINE XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXXNOT MINE XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MINE XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX, FL XXXX XXXXNOT MINE
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Checking or savings account

On the morning of XX/XX/XXXX my son 's car was broken into and his debit card was stolen and subsequently used at a local XXXX for a {$49.00} purchase. Police were contacted and a report was immediately filed. I submitted all documentation to Chase Bank, however they are not authorizing the credit to his account as they are stating I did not submit enough proof of fraud.
Product: Checking or savings account

I have full documentation of transaction. They have cleared the transaction info. 

I was charge over {$1000.00} In interest on money i did not Barrow. 
Want a full refund. Said could not help me. 
They added {$100000.00} to my account by mistake. I did not ask for it. When I saw it on my account i called to correct the issue, returned there money, Then I was charge the {$1000.00} interest. for next 2 months Thanks XXXX XXXX
Product: Debt collection

XXXX XXXX is selling property she owns in XXXX, Virginia. 
A judgment entered on XX/XX/XXXX in the sum of {$1500.00} against XXXX XXXX, in favor of XXXX XXXX XXXX, I XXXX, XXXX HSBC XXXX XXXX XXXX XXXX showed up on a title search. 
We have both been trying for about XXXX weeks to secure a pay off letter to pay off this judgment but have never received a pay off letter. XXXX XXXX and I have spoken to representatives at HSBC over XXXX times and sometimes they say they will fax the pay off letter and sometimes they tell her it is in a research department. We have also tried to secure a pay off letter from XXXX XXXX XXXX as well. 
It has been well over a month and we have not been able to secure a pay off letter to pay off this judgment. We are seeking a pay off letter good thru XX/XX/XXXX. 

I am sending you a copy of the judgment and client authorization. The judgment, authorization and request for pay off has been faxed to HSBC as well numerous calls have been made, all in an effort to secure a pay off letter. 

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

This complaint to Experian result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX  XXXX Balance {$73000.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance {$17000.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Dismissed XXXXXXXX  XXXX Bankruptcy XXXX Dismissed XXXX XXXX Bankruptcy XXXX Filed XXXX XXXX Bankruptcy XXXX Dismissed