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

I was looking over my account one day and noticed there was a charge on my bank of america account for {$12.00}. Upon further investigation, I noticed that the same XXXX charge was appearing on my account, MONTHLY. I recognize the company that was charging me, however, I personally DID NOT authorize the charges. I disputed all of the charges for {$12.00} on my account. Which had been occurring since at least XX/XX/2018 according to my bank statements. I had specifically told Bank of America that I did not authorize those charges. The merchant is XXXX. I told Bank of America that I have an XXXX.XXXX account however I have a Basic membership to the site. A basic membership is a FREE account. XXXX.XXXX  does not have any of my bank information linked. I sent Bank of America proof of my account with XX/XX/XXXX, attached with the proof that it is a free account and that my banking information is NOT associate with my account. 
The problem is, I have a work computer that multiple people have access to and I have used my debit card information on my work computer, my banking information may have been saved on the work computer at some point. So I explained all of that to Bank of America and reiterated to them that I DID NOT AUTHORIZE THOSE CHARGES but there is always a possibility someone at my job could have come along the way and used my banking information to pay for their own XXXX.XXXX  account. Which to me is robbery and/or FRAUD! 
Bank of American sided with the merchant and said I made those charges and refused to give me my money back. They took well over {$300.00} from me. I told them multiple times and sent the proof that I have a free account and XXXX.XXXX  does not have my banking linked to my account. I asked MULTIPLE times for Bank of America to send me proof that I authorized those charges and they have not sent me one single piece of proof. Bank of America has not sent me any notices of the proof they have that I authorized the charges from XXXX BECAUSE I DIDN'T!!!!! 
The most recent BOA employee I spoke to refused to allow me to reassert my claim! 
I did not authorize any of those {$12.00} charges, bank of america has no supplied any documentation to show that I made the charge and the merchant ( XXXX ) has not gotten back to me! I requested this proof multiple times and still nothing has been done. This bank has not protected me or my funds and allowed me to get robbed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity bank/ Victoria 's Secret is reporting a late on my credit file for year of XXXX. Due to the unforeseen events surrounding the Covid Pandemic I was severely financially impacted. Under the federal mandate and CARES act put in place you are not allowed to put late notations on my credit file. I have had an account with you for a very long time and this is extremely disappointing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I recently sent to companies letters since XXXX of 2021 about how they are reporting my credit and wrong information and I still have not heard anything from them which is wrong and unjust. please look into this for me thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a collection that is not mine. It belongs to someone named XXXX XXXX who I have no relation to. My name is XXXX XXXX and this collection was placed onto my credit report in error.
Product: Checking or savings account

Ive already spoken to your customer service department about this. They seemed a little put out that I have to use a relay service. Anyway, the person told me to refile my complaint. So here it is, AGAIN. I never received my original card and PIN number and there are lots of unauthorized ATM transactions on my account. They are ...
XX/XX/XXXX {$23.00} XX/XX/XXXX {$450.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$480.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$120.00} I have received my replacement debit card and PIN number. According to whoever I spoke to, the PIN number is the original PIN number they sent out. It showed up on my front door step a couple days after I received my replacement debit card. And it looked like it was already opened. The replacement debit card was delivered by XXXX. The PIN number looked like regular mail but wasnt in the mailbox.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$33000.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1600.00} XX/XX/XXXX XXXX XXXX {$860.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$190.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX The Social Security Number XXXX is not mine, I do not have SS but ITIN Also the following names are not mine : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 15 U.S.C, 1681section 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 an 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 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

Filed a dispute with transunion for XXXX XXXX XXXX and it was deleted from my report on XX/XX/XXXX. XXXX XX/XX/XXXX I received another report from transition and XXXX XXXX was not there. On XX/XX/XXXX I noticed it was reinserted without notification of reinsertion. I sent a request to remove account from my credit report by fax and nothing was done. I called on XX/XX/XXXX and I was only offered to open another dispute for XXXX XXXX XXXX instead of being offered to have the account removed immediately. On XX/XX/XXXX I received another report from transunion with XXXX XXXX XXXX on my report. As of XX/XX/XXXX I have not received notification of reinsertion or deletion of XXXX XXXX XXXX and also have not been provided any timely information as to why it was reinserted which is against my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do not send me anything back telling me you can not locate my credit file, in an attempt to stall even longer than the 60 days you have taken to not respond to me, and that this is not me making this complaint and the many made before this. I know you think normal consumers do not know the law, but you are sadly mistaken. You have been given everything you need to identify me, my credit file and credit report, and the disputed account I have requested many disputes for. Your credit reporting is inaccurate according to 15 U.S Code 1681. You are in violation of the Fair Credit Reporting Act for inaccurate and unfair credit reporting methods. You are reporting and furnishing inaccurate information in my credit file from a XXXX  XXXX XXXX account. You are furnishing inaccurate and unfair information on my credit file, and according to 15 U.S Code 1681n and 15 U.S Code 1681o, you are engaging in willful and negligent noncompliance, and that is basis for actual and punitive damages, along with attorney fees. You are knowingly furnishing information with knowledge that it is inaccurate. I will be seeking damages of no less than {$1000.00} per violation and for the emotional distress you have put me and my family through with your inaccurate credit reporting methods. 

I have disputed many times with Equifax about this account and I have saved all communications going back almost 24 months to present in federal or state court if I have to. They took longer than 30 days to respond and they have also not done an investigation. E-Oscar or any other form of electronic investigation is unacceptable. I have requested everything in my file according to 15 U.S. Code 1681g and no original contract has been provided to me as XXXX  XXXX XXXX has admitted, they do not have a contract or anything that legally ties me to this XXXX  XXXX XXXX account, so I am not sure how this information keeps coming back as verified and I am not sure how Equifax is doing a reasonable investigation and have not come up with this finding. 

I have asked for a " description of the procedure used to determine the accuracy and completeness of the information ... '', as stated in 15 U.S. Code 1681i, but Equifax has knowingly and willfully decided to violate the law and not provide me with this information, especially in the 15 days stated in the Fair Credit Reporting Act. 

It appears Equifax has taken it upon themselves to re-age the XXXX  XXXX XXXX account information in my credit file, in addition to violating my privacy and consumer rights as it pertains to this XXXX  XXXX XXXX account. This is in addition to information that Equifax decided to " update '' and change on its own with no prior notice. 

Equifax has been given plenty of documentation that warrants the deletion of this XXXX  XXXX XXXX account from my credit file.
Product: Debt collection

Hello, I am XXXX XXXX. My husband and I owned a home in Maryland and the loan was serviced by Ocwen loan servicing. 
Ocwen is represented by the law firm XXXX XXXX. I have a XXXX and a proud mother to XXXX XXXX XXXX 

I reached out to the lawyer from XXXX XXXX to discuss issues as I did not want to communicate by email. I spoke to my representative at the XXXX XXXX XXXX and she offered to speak to XXXX XXXX on my behalf. 
I phoned the lawyer from XXXX XXXX and introduced myself. To my astonishment I am told I will not talk to you or any one from the XXXX XXXX Society unless they are a lawyer. I informed him she is not a lawyer well I dont need to keep talking and good luck to you and hung up the phone. I am deeply saddened and hurt to be treated by this lawyer this way. 

XXXX XXXX
Product: Credit reporting

I filed a dispute with Experian for incorrect information in my Credit Report, Report Number : XXXX, they said it was still open. Please refer to CFPB case number : XXXX. Today they closed the dispute without correcting/removing the incorrect information and still saying the account is mine. Everything remained the same. They have failed to provide proof of ownership for this account. 

I have contacted XXXX via the number they provided ( XXXX ) and they have no record of my alleged account. This account does n't belong to me, and I do n't recognize this debt or owe any money to this creditor. If valid it would have been paid. Both, XXXX and XXXX have concluded their investigation and removed the account from my credit report. They have verified the account is not mine and Fair Credit Reporting Act, states you are required by law to remove any negative item that has been closed after 7 years. Moreover, this debt appears to be past the Statute of Limitations so it meets all the criteria to be removed. Just because someone opened an account with my personal information, and the creditor reported this, I am liable for the account??!?! How is it possible, XXXX credit reporting agencies have investigated and concluded the account in question is not mine, and updated the information accordingly, you still say the opposite? 

Experian needs to correct / remove the following information from my credit report :1. Address : XXXX XXXX XXXX ( This Address is not mine ) 2. Fraud Alert : An Alert was placed on my file without me requesting it. Please Remove it ASAP. 
3. Credit Account ( XXXX ) : Experian need to provide proof I opened the account in question, the purchases that were made and signed documents. I have already filed a complaint with XXXX on XXXX/XXXX/2015 against Experian. Complaint ID : XXXX. 

If you still insist in keeping the account there, and not correcting / remove the incorrect data, I will escalate this to the FTC, my state attorney general, and will sue Experian.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : XXXX has reported inaccurate and fraudulent information on my credit report despite my repeated disputes and the evidence I provided to prove the information is invalid. Specifically, the collection account from [ XXXX XXXX ] is fraudulent, and I have documentation demonstrating compliance with my lease terms, as well as proof that this debt was unlawfully claimed. 

Key Facts : I rented a property from XXXXXXXX XXXX in XXXX XXXX XXXX, Georgia ] and fully complied with my lease terms. 
After moving out, XXXX XXXX failed to return my security deposit and unlawfully placed a collection account on my credit report, which I disputed with XXXX. 
I provided XXXX with the following documentation : - XXXX XXXX highlighting fraudulent charges - Email correspondence showing XXXXXXXX XXXX  ' failure to justify the charges. 
- Documentation that the home was professionally cleaned prior to move out. 
- Documentation of a recent ruling by the FTC ( FTC Matter/File number XXXX ) finding XXXX XXXX guilty of engaging in deceptive practices, including the imposition of illegal fees and the improper withholding of security deposits, and evidence that I am a victim of these deceptive practices. 

XXXX denied my dispute without conducting a proper investigation, violating its obligations under the Fair Credit Reporting Act ( FCRA ). 
Regulatory Violations : XXXX actions violate the FCRA, specifically : Section 611 : Failure to conduct a reasonable investigation into my dispute.

Section 623 : Continuing to report inaccurate information after receiving evidence of its inaccuracy. 

Impact on Me : As a result of XXXX failure to remove the fraudulent information : My credit score has been unfairly damaged. 
I have been denied credit and housing opportunities. 
The stress and harm caused by this situation have been significant. 

XXXX Requested : I am requesting the following : XXXX removal of the fraudulent collection account from my credit report. 
A detailed explanation of why my dispute was denied despite the evidence provided. 
Confirmation that XXXX will take corrective actions to comply with the FCRA and prevent future issues. 

Conclusion : XXXX has failed to uphold its legal obligation to ensure the accuracy of information in my credit report. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and compel XXXX to correct this error.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I noticed things on my credit that I did not authorize, I submitted a dispute and was told I would hear something back within 30 days. I have not heard anything since and this matter is very important and. I am in the XXXX and currently stationed in XXXX, XXXX. I have not ran my credit myself nor authorized anyone else to run my credit.
Product: Checking or savings account

I have unauthorized charges with XXXX in my account. I called chase and they said because its in my app I cant get my money back.
Product: Credit reporting or other personal consumer reports

I just checked my most recent consumer report and there is false information reporting to 2 of the 3 consumer reporting agencies. Per the USC all 3 consumer reporting agencies should have the same information reported and it should be complete and correct. My Experian report and TransUnion report are both incomplete and incorrect.
Product: Credit card or prepaid card

There is a small amount of money left on the card. The card will not let me spend that money. The prepaid card company ( myprepaidcenter.com ) will not even discuss the situation with me. They claim that there is some discrepancy with my address. I have the original paperwork where the card was mailed to me with my address on it. Providing this information exactly as written from that mailer is not working. 

I spoke with XXXX ( XXXX XXXX ) about this for nearly 45 minutes and got nowhere.
Product: Credit card or prepaid card

On XX/XX/2020 I made a purchase at XXXX I had a problem with the purchase that XXXX would not resolve. On or about XX/XX/XXXX I filed a written dispute with Capital One. 
I was given a credit on my account in the full amount of {$61.00}. Federal law states that " the creditor must resolve the dispute within two billing cycles, but not more than 90 days, after receiving the dispute ''. On XX/XX/XXXX Capital One rebilled my account for the full amount of {$61.00}. The 90 day rule had expired. Capital One is NOT permitted to rebill my account in XXXX for a dispute that I filed in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the party injured, have made 2 attempts to have Experian verify the debts that are appearing as negative marks on my credit report. I sent the first letter on XXXX XXXX, 2019, The response did not satisfy the FDCPA requirement. I proceeded to give them an opportunity to cure by sending a 2nd notice on XX/XX/2019. The response was the same, a violation of the FDCPA. There are a total of 3 negative marks on the report that were not properly verified. No copy of the signed agreement, nothing was provided.
Product: Checking or savings account

I am a victim of identity theft. I informed the company of this and they still closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed to Experian by certified mail a request asking for the method in which two accounts reporting on my report were verified. According to tracking information, Experian received this correspondence on XX/XX/2022. 

On XX/XX/XXXX I received a response from Experian electronically. This response stated that the result of my disputes were ready and that the account XXXX XXXX XXXX XXXX was updated. 

Nowhere in my correspondence, which is included, did I request that Experian dispute this account. I requested that Experian provide me with their method of verification regarding the accounts mentioned. It seems as though Experian did not read my correspondence nor perform a proper investigation into these accounts and merely allowed it to be incorrectly sorted by their automated systems. 

According to the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; From my understanding Experian must provide this information to me within 15 business days of my request, which it did not.

This account should be removed from my credit file due to failure to perform a proper investigation.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Dispute Number : XXXX Date Posted : XX/XX/year> Merchant Name : XXXX Fee Amount of Transaction : XXXX Card Number : XXXX Status : Closed - Dispute Declined Our investigation of your dispute is complete. 

Unfortunately, we must turn down your request for credit based on the information we gathered. 

*Visa requires specific information from the cardholder in order for the bank to file a dispute. Since the requirements to file a dispute have not been met, we have no recourse but to close the dispute at this time. 

* A notation may appear on your next billing statement advising you that the amount of your dispute is not required for payment. This notice will be removed after the statement period closes, unless you have another dispute open or under review. Waiting until the statement closes ensures that you will not be charged any finance charges or fees on the disputed transaction while under investigation. 
If we temporarily credited your account while we investigated your dispute, we will remove this credit by re-charging your account. 

You will be financially responsible for the transaction, and your dispute is now closed. 

If you still feel you should get a refund, please work directly with the merchant. 
Questions about your dispute? 

Call us at XXXX Sun- Sat : XXXX XXXX XXXX XXXX XXXX  Central Time Fax Number XXXX Sincerely, Wells Fargo Claims Assistance Center Dispute Number : XXXX Date Posted : XX/XX/year> Merchant Name : XXXX Fee Amount of Transaction : XXXX Card Number : XXXX Status : Dispute Initiated We received your inquiry about a disputed transaction on your account. We appreciate your patience while we research your dispute and will let you know our findings as soon as our research is complete. Please send us any supporting documents you may have, such as those described below.

What you need to do 1. If you havent already sent these documents to us, please gather copies of documents related to the dispute, including but not limited to these examples : Letter detailing reason for the dispute Copy of invoice, sales or return receipt Copy of delivery or pick-up receipts Front and back copies of checks or bank statements 2. Send us the documents in any of the following ways : FAX : to XXXX Mail : to XXXX XXXX XXXX XXXX XXXX, IA XXXX E-Mail : to XXXX If you have questions, please call us at XXXX, Sun - Sat : XXXX XXXX XXXX XXXX XXXX  Central Time XXXX For customers with hearing or speech disabilities, we accept telecommunications relay service calls. 
Questions about your dispute? 

Call us at XXXX Sun - Sat : XXXX XXXX XXXX XXXX XXXX  Central Time Fax Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a credit report from Experian Credit bureau with a fraudulent account issued by XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX. Which is an action of fraud. I had a previous account with self dated back on XX/XX/XXXX with the account number of # XXXX which was marked Paid, Closed/Never late on my report. The Scheduled Payment Amount is consistent through in and through out, from XX/XX/XXXX til XX/XX/XXXX. The fraudulent account was created in XX/XX/XXXX which means that it was fraudulently made during the duration of my successful Paid/never late account with XXXX  The Fraudulent account also reports inconsistent Scheduled Payment Amounts of various Amounts, those of which arent even the policy of XXXX services. I disputed this issue with Experian as well and did not receive the results I deserved in this case. I would like to see this fraudulent account removed from my credit report so that I can continue on with my credit journey. Please and thanks XXXX XXXX