23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX THESE EMPLOYERS DO NOT BELONG ON MY PROFILE XXXX XXXXXXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with XXXX U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


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

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, SC XXXX EMPLOYER : XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XXXX XXXX I deposited in my checking account number XXXX at Bank Of America that is opened under the name of XXXX XXXX XXXX, XXXX the check with number XXXX for the amount of XXXX dollars dated XX/XX/XXXX from XXXX XXXX. The check was deposited ONE TIME and the funds for the check posted ONE TIME to my account. 
On XX/XX/XXXX the amount of XXXX dollars was pulled from my account stating that the check was double deposited which is false statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Credit Reporting Agency, I am writing to dispute the negative items on my credit report. Upon reviewing my credit report, I have noticed that there are several inaccurate and outdated items that require your immediate attention. 

Firstly, regarding the inquiries made by XXXX XXXX XXXX and XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I would like to inform you that inquiries have reached the statute of limitations and should be removed from my credit report. 

Secondly, with respect to the account number XXXX associated with XXXX XXXX, I demand that the late payment information be removed from this account. The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

Thirdly, for the account number XXXX associated with XXXX XXXX XXXX, I request that the incorrect late payment information be removed from this account as well. You can not report this account as updated when nothing has been changed! 

Fourthly, for the account number XXXX associated with XXXX XXXX  XXXX XXXX XXXX request that you verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

Lastly, for the account numbers XXXX and XXXX associated with XXXX XXXXXXXX XXXX XXXX and XXXX XXXX respectively, I request that the same incorrect late payments be removed from these accounts as well. You can not report these accounts as updated when nothing has been changed! 

I would like to request that you investigate and correct these inaccuracies as soon as possible. Your cooperation in this matter is greatly appreciated. 

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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 




Dates that the fraudulent activity occurred : XX/XX/2018. 


I have filed a fraud dispute with Discover Credit Card XXXX and requested an investigation twice, but they denied my claim both times. 


I am a victim of identity theft and an estimate of {$5000.00} was taken by my company and I was required to pay balance, and this has affected my credit score. The company recently emailed me admitting that they charged my card incorrectly, which I will attach as a document. I have submitted this to Discover as well.
Product: Credit reporting or other personal consumer reports

I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Aren't you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. 

I will once again list the inquiries in need of investigation : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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 ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I checked my credit report on XXXX XXXX, 2017 and noticed that I had a collection that had been reporting for the past 3 months. I was never notified of the debt, nor was the debt ever verified. I found the website for RGS Financial and chatted with a representative named XXXX XXXX at approximately XXXX XXXX XXXX. I made it clear that I never received any notification of the debt, and also asked for her to verify the debt for me. I have not received a response.
Product: Vehicle loan or lease

My Car still hasnt been registered by the Dealership which they are required by law for any auto lease or finance. 

As well they forged mine and the co-signers signatures on the closed ended lease contract they sent to the bank. The copy they sent me 3-4 months after taking delivery are not signed. I had the car picked up by my nephew and everything was signed and notarized in XXXX XXXX so it wouldnt be able to be r Esigned at the dealership which I believe it was by the sales managers which no longer work for the dealership or Finance manager. 

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

GOOD AFTERNOON/ HAPPY FRIDAY! - I was shocked when I reviewed my credit report again during COVID-19 and found late payment on XXXX AND XX/XX/2018, plus your reporting wrong balance as current, where i was told that it would be deferred and put in the back of the loan : I am not sure how this happened, but i also checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. Also, this account continues to report incomplete information, such as wrong balance, different late remarks on different bureaus, not the same month, inconsistent payment history, etc. This can not be accurate and I really don't want to waste any time going back and forth. This account is unverifiable and wants it deleted from my credit report.
Product: Credit reporting or other personal consumer reports

for the second or third time this company has tried to double charge me in a month so I changed my billing date to the XXXX XX/XX/XXXX which they took the payment out for XXXX there's nothing dude there's nothing owed but now I'm locked out of my credit file because they say that I owe them {$34.00} your double billing me this is the second month they've done this so to try to solve that problem I had put my billing date on the XXXX XX/XX/XXXX and now they took the payment out and now I just got a request for more money from them and I can't get anybody on the phone I can't get anything done because I'm locked out of my file until I pay them
Product: Credit card

I was out of the country almost XXXX  years. I just returned back receive a email a couple months ago but did not realize what was going on until XX/XX/year> when I started to read what the email I got from XXXX XXXX XXXX  on XX/XX/year> stated some of my information gotten out so I started to investigate what was going on and see, XXXX accounts was open in my name an i see XXXX hard inquiries in my name an I start to contact the credit bureaus to dispute. fraudulent item XXXX XXXX was not helpful to resolve. This matter XXXX and XXXX is investigated in it. I do not know what going to be the outcomes of it my next option is to file a civil lawsuit against these three credit bureaus because they are responsible to protect my identity. I put a freeze on my account and alert any inquiries that come in they must contact me none of these company never contacted me and XXXX XXXX XXXX, and XXXX, help these fraudulent people to create an account they must be hold accountable for their actions
Product: Student loan

I went back to school at XXXX tech in XX/XX/XXXX, and within 12 months i had an issue where i was not able to complete my degree. Due to this, i had incurred a loan of approx. XXXX and at the time was not able to pay the $ XXXX+ a month for the loan as i was working minimum wage. I had to put my loans into forbearance twice in two years and make whatever payments i could towards these payments. Over the last almost 9 years, i have attempted to pay down this debt to the tune of 10.25 % and navient, XXXX XXXX selling the account to them, would not work with me to lower not only the payment of the student loan, but also the interest rate. I have been informed numerous times that the only way also to remove the co signer was to pay the account on time for 2 years. This has caused a monumental issue with attempting to pay back the loan, and had to go back to school to the tune of {$44000.00} to get not only my XXXX XXXX, but work towards getting my XXXX XXXX to be able to get to a point where i could attempt to pay back this loan. I currently work for a company that pays me a liveable wage, but am still not working in the department that my degree was to be in. I had gone in for network security, and XXXX tech had made promises to me that the experience and knowledge i would learn would land me a job in this field of study. 

I currently owe over {$60000.00} in student loans both private and federal and am at a point where i am wanting to get my co signer out because i am starting to not be able to pay these loans back at the interest charged. I started with my current company in XX/XX/XXXX, and it took me almost 12 months to get my account current enough to where i dont have any back money owed on the account. I am filing this complaint because i have hit a point in life where i cant afford to live, my credit has been destroyed because i couldnt even pay the bills i had, and had to take multiple payday loans out just to keep a roof over my head. I have had nothing but bad experiences with both Navient and XXXX XXXX with regards to trying to get the payments lowered, the interest lowered or refinanced, or even forgiven due to the hardships that i had. I have debated filing for bankruptcy due to the mountain of student loan debt i have, and all the lies and runaround that i have had with both companies telling me that they could work with me, and nothing was done. I have had harassing calls multiple times an hour when i was late on a payment, and they harassed my co signer into getting her to have me pay the bills, and also threatened to leave her hanging with all the debts. She co signed on this to help me when no one else would, and now we are paying for it since i will have paid almost 7 times as much back towards the original XXXX loan. Attached are pictures of the loan information from Navient. This one bill accounts for almost XXXX % of my income every month, and with a car payment and rent, i have very little left over for basic needs.
Product: Mortgage

I requested to have the PMI because my held in escrow removed. I received a XXXX document that Bank of America probably sends to everyone that makes a request to Cancel PMI. This letter states my investor requires an appraisal and to send Bank of America a check. 

This is not true. The letter never identified my investor, which I know who the investor is and they have No requirements for an appraisal. 

The calculation is not based on what the current market value, which is why no appraisal is required. 

First Bank of America held twice as much in my escrow and then when I called I was told any overages will be returned next year. I then filed a complaint based on RESPA real estate settlement act stating its illegal for any bank to hold twice as much as whats needed. 

Only after filing the complaint and pointing out the law did Bank of America return the overage. 

Bank of America just tells customers anything. Now they send this letter that has nothing to do with my investor requirements for canceling PMI. Bank of America acts like consumers have no knowledge of their rights when it comes to internet escrows.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX noticed an authorized inquiry on my credit report delete immediately. I have attached supporting documents. 1. XXXX XXXX Date of inquiry : XX/XX/2023
Product: Money transfer, virtual currency, or money service

I'm writing to formally voice my concerns about Zelle 's dispute resolution process, particularly in light of the most recent CFPB complaint that brought to light serious problems with the platform. Both Zelle and my banking institution did not sufficiently look into my allegations, even though I used Zelle a lot and reported the inconsistencies. They told me that it was impossible to track these transactions and reclaim lost money. According to the CFPB 's findings, Zelle has not only failed to safeguard customers but has also let repeat criminals take advantage of the system, making users susceptible to fraud. The absence of transparency and accountability is intolerable and poses major risks to consumer safety.
Product: Credit card

I applied for a Big lots Credit card and at the time the store clerk used my address on my id though I was moving to a home I just bought he said that I need to use the address on my id and that is what he did. I still had access to the mailbox though with the address on my id. I was approved made a purchase. Life went on I never received a physical card from big lots to either of my address. I did however recieve a statement to my new address which I called because I was unable to use my online ability to set up payments or make a payment. I needed my card number which I did not have or ever recieve NOR my account number. The rep informed me that she ordered a new card to come to my new address and that it would be there before my bill came due but in the meantime I could use my statement which has the account number at the bottom of the page. I tried to use such number to set up the online account and it did not work it stated the information was not correct. I then called back a few days later explained the issue and was told a Supervisor would get back with me. My bill was not yet due and I was waiting for this supervisor to call me. The next call I got was not in fact from a supervisor but from a person letting me know my bill was not paid when it was due. I let him know exactly what happen I also made a payment with him and he told me yet again a supervisor would contact me to get this problem resolved so I can get my payments set up and avoid such issues again. The next month comes along I get a statement and it shows a late fee on there. I immediately called and expressed that the late fee is not in any way my fault and should not be charged, and that I am STILL waiting on a supervisor to call and STILL have not received a card in the mail and my account number is STILL not working to set up my payments so the only way I'm able to pay is when they call me which is totally unacceptable. I would have NEVER got a credit card that doesn't allow me to set up payments online or simply make a payment. During this call the man refused to remove the late fee but allow a {$15.00} credit. UNACCEPTABLE. He yet again tells me a supervisor will call me back 3rd time now I've been told this. Life goes on and I get another call about the bill and it not being paid. FINALLY I had enough and was able to get a supervisor on the call that day. I went over the whole issue and they refused to remove not 1 but now 2 late fees that were totally avoidable and could have been resolved if a supervisor would have called me the first time. Not to mention the rep told me They would call me before my bill came due and now we are here and I'm having to seek legal action due to negligence on comenity banks end. I have never missed a singular credit card payment before, and I told these reps every time remove the late fee allow me to set up my payments and we will never have a problem however they are more concerned about getting my minimum payment than they are fixing their mistakes that cost me more money.
Product: Prepaid card

To Whom It May Concern, I am writing to formally lodge a complaint against Bank of America regarding the neglect and mismanagement of my account, which has resulted in severe financial and psychological distress. Over recent months, I have experienced unauthorized transactions, address changes without consent, and an overall lack of responsiveness and care from Bank of America representatives. 

I have only recently regained access to my online account and was shocked to discover numerous transactions that I did not authorize or receive. Additionally, my address has been changed multiple times without my permission, leading to a stream of random mail and correspondence that has greatly contributed to my overwhelming situation. 

Throughout this ordeal, I have been treated with disrespect and insensitivity by Bank of America personnel. The lack of accountability and assistance has exacerbated my XXXX XXXX issues to a critical level, putting both my own well-being and that of my child at risk. 

I demand immediate action and resolution from Bank of A To Whom It May Concern I am writing to formally lodge a complaint against Bank of America regarding the neglect and mismanagement of my account, which has resulted in XXXX XXXX XXXX XXXX XXXX. Over recent months, I have experienced unauthorized transactions, address changes without consent, and an overall lack of responsiveness and care from Bank of America representatives. 

I have only recently regained access to my online account and was shocked to discover numerous transactions that I did not authorize or receive. Additionally, my address has been changed multiple times without my permission, leading to a stream of random mail and correspondence that has greatly contributed to my overwhelming situation. 

Throughout this ordeal, I have been treated with disrespect and insensitivity by Bank of America personnel. The lack of accountability and assistance has exacerbated my XXXX XXXX XXXX to a critical level, putting both my own well-being and that of my child at risk. 

I demand immediate action and resolution from Bank of America to rectify these issues and provide compensation for the damages caused. I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and ensure that appropriate measures are taken to prevent such occurrences in the future. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 
I ask that Protection Bureau ( CFPB ) to investigate this matter thoroughly and ensure that appropriate measures are taken to prevent such occurrences in the future. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely,