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

On Sunday XX/XX/XXXX I accessed my XXXX credit card and noticed my credit score had substantially decreased. I accessed my XXXX credit report through XXXX. In addition to the current credit accounts I own, an additional credit line was listed through Bank of America. Per the report the account was opened on XX/XX/2017, its current balance is {$6600.00} with a credit limit of {$6000.00}. 

On XX/XX/XXXX I contacted XXXX regarding the issue. They requested I contact Bank of America and initiate a fraud complaint. I called Bank of America on XX/XX/XXXX. They were unable to identify the account based on my name, social security number or the account details listed above. They initiated an investigation that I was told would take 7-10 business days, with final outcome being reported to the credit bureaus and taking up to 90 days to process. I relayed this information to XXXX who advised I report this issue to the FTC ( which led to this page ) and my local police. They also informed me that I can complete a dispute through XXXX which would be an independent process from the Bank of America investigation, and take up to 45 days.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX  XXXX XXXX XXXX Act Name : XXXX  XXXX, XXXX Act Name : XXXX, XXXX I, 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. To Whom It May Concern, I am writing to dispute a discrepancy that I have discovered in the PAYMENT HISTORY section of my credit report related to the following account : XXXX I have noticed that this account is still being reported as having a payment history each month when it should not since this account is being closed. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights Act Name : XXXX  XXXX XXXX, Inquiries : XXXX  XXXX, Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX I, 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 )
Product: Checking or savings account

On The early morning of XX/XX/2022 I was kicked out of an XXXX abruptly because my friend was throwing up. The driver drove away stealing my XXXX XXXXXXXX XXXX XXXX valued at over XXXX. This individual then used my XXXX wallet ( which had my debit card / chase checking account ending in XXXX linked ) to send UNAUTHORIZED transactions of {$2000.00}, {$800.00}, {$100.00}, and {$100.00}. A total amount of {$3000.00}. I was able to obtain information from XXXX that they then used this money to send peer to peer transfers in increments of 27 ( 27different transfers! ) of {$10.00}, {$100.00}, {$50.00}, {$50.00}, {$50.00}, {$50.00}, {$50.00}, {$50.00}, {$50.00}, {$50.00}, {$100.00}, {$100.00}, {$100.00}, {$100.00}, {$100.00}, {$100.00}, {$100.00}, {$150.00}, {$150.00}, {$150.00}, {$150.00}, {$200.00}, {$200.00}, {$200.00}, {$200.00}, {$200.00}, and {$90.00}. For a total of {$2900.00}. 

XXXX XXXX operated by XXXXXXXX XXXX XXXX did their investigation and sided with me in the dispute agreeing that it was indeed fraud. I am attaching all documentation to support this as well as a police report and identitytheft.gov report. 

Chase REFUSES to honor my claim and continues to LIE and state that these were authorized transactions even after XXXX XXXX XXXX and XXXX have agreed with me that they were NOT. When we disputing the XXXX XXXX transactions my XXXX XXXX account went to a XXXX balance. After winning the dispute with XXXX XXXX they ( XXXX XXXX ) sent back {$3000.00} into my XXXX XXXX wallet which put the balance at XXXX which means I did NOT get my money back, it simply brought the account back to a XXXX balance since it was negative from the dispute. However Chase continues with their decision to not give me my {$3000.00} back, even with all of this information being provided to them. They have put my wife and I through unbelievable hardship on top of being victims of grand theft and robbery. Part of this {$3000.00} was my wifes FIRST PAYCHECK as a teacher for the state of Florida at XXXX XXXX XXXX XXXX XXXX. To do this to a public servant is cruel and disgusting and if this is not resolved we WILL take JP MORGAN to court. They are a filthy company that has no regard for their customers or human beings. There is absolutely no reason to deny our claim with XXXX siding with us other than pure GREED AND CRUELTY. 

There is a detective working on the case from the XXXX XXXX Police Department - Detective XXXX. XXXX has also suspended the driver WHO WAS OPERATING UNDER ANOTHER INDIVIDUALS NAME. IT WAS A FEMALE DRIVING UNDER THE REGISTERED NAME XXXX license plate XXXX.
Product: Credit card or prepaid card

I paid for flight when came to catch my flight the next few days later they wouldnt let me board my flight due to verification of my card once the lady got my card to verify the information the gate closed and I missed my flight but not only did she verify the card information but she charged my card again for the same amount of XXXX I then dispute the charges the flight company refund my original payment but I did not get my other money back my bank then approved my claim and its been week since they did so and no funds put back into my account I been calling a week straight and they keep telling me 24-48 hours and here we are on week 2 I spoke to supervisor and everything they are not doing anything to get me my money back I keep me told the same thing everyday but nothing being done and the claim was approved I have bills to pay and its starting to stress me out its only XXXX CHIME needs to do better
Product: Credit reporting or other personal consumer reports

I am writing to express my deep DISAPPOINTMENT with your recent claims regarding my accounts. I AM REJECTING THESE CLAIMS ON THE BASIS THAT YOU LACK ANY MATERIAL FACTS OR EVIDENCE to support your assertions. As a result, I strongly urge you to initiate a thorough investigation into these matters without delay. 

Your claims have cast a shadow over my financial standing and have the potential to cause severe harm to my creditworthiness. It is imperative that we resolve this situation promptly and accurately. 

I insist that you immediately dispute these accounts and provide me with clear, documented evidence to support your position. Failure to do so will leave me with no choice but to seek a legal remedy to protect my rights and rectify this situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 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 TransUnions inaction violates federal law and my rights as a consumer.
Product: Bank account or service

MY BANK ( BBVA COMPASS ) DECIDED TO FREEZE MY ACCOUNT. I WAS NEVER NOTIFIED FIRST OF ALL AND NOW MY SOCIAL SECURITY CHECK WILL BE DEPOSITED INTO THAT ACCOUNT AND I HAVE NO WAY TO GET IT OUT. I KNOW SOCIAL SECURITY XXXX CHECKS FUNDS ARE EXEMPT FROM BEING FROZEN SO I HAVE NO IDEA HOW TO GET MY MONEY FROM THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. The following addresses are not mine please delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX SQ, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have attached a copy of my ID and SS for proof of address and Identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of the ( XXXX XX/XX/2023 ) for the second time Transunion, XXXX, XXXX have poorly investigated my report. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX These entities ar

e using reporting false names and not my legal name. Present the signed contract agreement & court orde
r.
Product: Checking or savings account

On the XX/XX/XXXX, I received an email at XXXX XXXX saying someone was trying to change my email address.I call the customer service number XXXX XXXX XXXX and said it was ( NOT ) me and not let nobody change anything it was scammer.By XXXX XXXX, the same scammer get in my account by calling them and change my email and password and get in my account.But one error the bank makes, they did ( NOT ) asked the scammer my XXXX security code at the back of the card which only me know.XXXX  is the XX/XX/XXXX and I still did not get my money back please help me I have XXXX kids and wife to take care of.every time I call somebody out of the United States answer.The bank name is American Express serve.Thank you
Product: Debt collection

Apparently a company called TSI has made repeated calls to my parents home phone after being repeatedly told that this not my phone number. Additionally I know nothing about this supposed debt and have not been provided anything whatsoever in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies incorrectly show that I closed an account which I did not. I tried to call them but either they only have an automated phone menu or in the case of XXXX XXXX do not even have a phone #. I called Equifax and XXXX XXXX without being able to speak to a representative. The account that they list incorrectly is for a jewelry store named XXXX. Recently this store changed the bank they use and I was sent a letter stating that I would receive a new card this month. However, this will end up being listed as a new account thus negatively effecting the age of my credit. These agencies are crooks! Equifax proved that in the past few months. Why do you allow them to collect all this information on me and do n't at least force them to allow access to a representative to correct false information? I have been working for 2 years to build up a good credit record so that I can buy a house at a good interest rate but they work against the consumer at all times and for the banks to cheat you and hold you back. I have a 100 % on time payment record but when they throw in all the other factors there is no way to win. " You have too few accounts, the age of the credit is too short etc. '' Open more accounts and it lowers your credit age. This is a totally unfair system which the government sanctions! XXXX XXXX
Product: Debt collection

" create a dispute letter to the XXXX XXXX XXXX using 15 usc 168l stating you never gave them written consent to furnist your information or obtain your information
Product: Credit card or prepaid card

I redeemed a rewards card from BB & T my local bank from my credit card account points earned. I received the card on XX/XX/XXXX via fedx in the amount of XXXX dollars. I had planned to use the card during the holidays. When i tried to use the card it was declined. I called the number on the back of the card and was told the card had been used for XXXX dollars on XX/XX/XXXX at XXXX XXXX XXXX in XXXX NY. The card had never been out of my site so how could someone have used it. The bank rep told me there was nothing I could do and that I in fact would lose the money. I looked up the company and have left XXXX messages there to see if I could find out who could have used the card but of course no one calls me back. I can not believe that there is no protection for the customer of a bank therefore making rewards cards unsafe to redeem. Please help. Thank you. XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 it's been 60 days and they haven't reponded, this affects according to the law section 611 they must remove evrything that is not verified from my credit and i am victim of XXXX data breach. XX/XX/2024 i send a letter regarding inaccurate and unknown things on my report its been mor than 30 days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. i want these accounts to be removed. From my report as per FCRA section 611A. 
I surely was a victim of the XXXX date breach
Product: Credit reporting or other personal consumer reports

They sent papers saying I owe this debt the names are two different companies they sent me information about me owing them I never signed a contract with that company so they need to remove this collection from my account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, TEXAS, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my XXXX XXXX account, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 
Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 
I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 
Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2020 {$2300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/2020 {$140.00} XXXX declare under penalty and perjury under the laws of the United States if executed outside of the XXXX XXXX that the foregoing is ture and correct to the best of my knowledge further I certify that i am permitted by Federal and state law to file this dispute I also understand that knowing and willful misstatement or omission of material facts constitutes a Federal Criminal violation punishable under XXXX u.s.c XXXX. These collection found within my credit report are not reto any transactions that i made i am alleging that a person or company without my authorization used my personal identity to apply for service or goods all is being investigated by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit reporting agency on the account several times on previous report it shows it was in included I. The bankruptcy then on the current dispute they reported it as a collection.
Product: Credit reporting or other personal consumer reports

I discovered recently that my identity was stolen and was taken advantage of to create fraudulent accounts. I've also seen some fraud inquiries. I need your help to please delete these accounts from my profile asap : The fraud accounts are : 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. I also need your help in correcting my address and name. It should only be XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nothing else. Thanks! I have attached here my FTC reports, ID, and proof of address. I haven't received my requested SS card yet. As a foreign citizen in your country, I kindly request for your assistance as I don't know much people who can help me with this issue. Thank you! i have noticed that I don't have credit history showing in Equifax. Can you also please fix that for me?
Product: Credit reporting or other personal consumer reports

I have a Discover Bank Account reporting on XXXX thats a charge off.
Product: Credit card or prepaid card

I have the XXXX Amex card. It states that if you spend more than {$40000.00} per year you will be granted Diamond status with XXXX. I have my year end summary for 2018 and spent over {$40000.00} utilizing the Amex. I am happy to show my year end summary from their website. Nonetheless, they refuse to grant me Diamond status. This is clearly fraud on the part of American Express. I think the public needs to know about these deceptive and fraudulent business practices by American Express.
Product: Checking or savings account

I was a Loyal 30 year customer of Bank America for no reason they closed my account on XX/XX/2022. They never notified me or warned me. On XXXX XXXX, 2022 I got a letter saying the fraudulent charge on my Master Card for {$110.00} that they said they investigated was a charge I made I did not make this charge, they also sent me a copy of the invoice, someone used my name and my street address but the Town was XXXX, MA. I live in XXXX, MA so I went online to see if this charge was on my Master Card but found that my account was closed I could not see how much or where my money went. I then Called the bank Customer service, I was on hold for XXXX minutes when I finally got someone to talk to they said they would have to transfer me to another Department.I was on hold again for another XXXX minutes this went on for 5 times till I hung up and called another number for Bank America till I finally got someone who said the bank has the right to close anybodies account and they would give me a check with all the money I had in three accounts in XXXX XXXX XXXX  days al of {$760.00} all totaled, I finally got to someone to re investigate the the {$110.00}. The only way I found out that my account was closed is when I went on lone to My ACCOUNT they never notified me or warned me that they were closing my account. I am on a fixed SSDI income and only get {$1700.00} a month so right now money is very tight I had to get a new Muffler on my car Cost {$760.00} then a week later I got a flat and hat to buy a prorated tire for {$130.00} On XX/XX/2022 I tried to get an Inspection sticker and my car failed cause of passage r XXXX and oil pan leak need replacing, total cost {$950.00} this was scheduled for Wednesday XXXX XXXX 2022 The Banks timing couldn't be better Now I have to wait for them to give me the Check of my money and then I'll have to open a new account with another bank and contact everybody who gets payed automatically from my checking account. They are hart less
Product: Checking or savings account

Employees at wells fargo used information from an existing mortgage account to open new checking accounts without authorization and consent. This has been reported as fraud to the police.
Product: Debt collection

Request a debt validation letter and recieved today. Notice the balance from the hospital is less that balanced owed in letter. Noticed the letter stated the account balance. My periodically increase due to the addition of occurred interest as provided in the agreement, with the original creditor are as otherwise prohibited by law. 

This is a medical debit without a judgement they can not legally charge interest in the state of XXXX  called and asked them to remove Intrest and they said they would contact thier client XXXX XXXX or they could waive the intrest if I paid the balance in full.