23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( Experian, XXXX, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  U.S. Bankruptcy Court the record indicates that you got your information from the courts. The courts dont release information you got your information from a third-party as results the bankruptcy needs to be removed from the credit report Friend accurate information you have 30 days to remove all these accounts at that time I will file lawsuits against all credit bureaus for having an accurate information As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XXXX XXXX XXXX XXXX XXXX  As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a full-time student at North Carolina XXXX XXXX  and a victim of identity theft. A fraudulent credit card account was opened in my name, falsely listing XXXX as my employer despite never working there. I never received the physical card, yet unauthorized charges were made in Connecticut while I was in North Carolina. 

Additionally, my phone was cloned, allowing the perpetrator to intercept verification calls and messages and bypass security measures to approve fraudulent transactions. My bank details, passwords, security codes, and the last XXXX digits of my Social Security number were also accessed, likely due to a data breach. 

I discovered the fraud around late XXXX and immediately took action by filing an FTC Identity Theft Report and a police report and disputing the fraudulent account with XXXX. I also froze my credit with all three bureaus. Despite providing supporting documentation, XXXX completed its investigation and ruled against my dispute, leaving the fraudulent account on my credit report. 

I am seeking CFPB 's assistance in requiring XXXX to provide the evidence they used to validate this account and to conduct a proper investigation into the fraudulent activity. This fraudulent account negatively impacts my credit, and I want it removed immediately.
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. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( XXXX XXXX. 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. 

Accounts include XXXX XXXX XXXX XXXXXXXX XXXX XXXX IXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company placed an erroneous collection on my credit file. I requested that the company provide me with purchase agreement between their company and the alleged original creditor authorizing them to collect on their behalf to which they have not done so as of todays date. 

The company provided me with that appeared to be an account statement which is NOT what I asked for. I asked for them to provide me with a purchase agreement, authorizing them to collect on the alleged original creditors behalf. 

I have never done business with this company and have never shared my personal identifying information with this company. 

Moreover, obtaining and using my personal identifying information without my express written permission is a form of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - a person commits identity theft when he or she knowingly : uses any personal identifying information or personal identification document of another for the purpose of gaining access to any record of the actions taken, communications made or received, or activities or transactions of that person, without the XXXX XXXX permission of that person Additionally, while reviewing my credit report, this collection account is not XXXX Compliant as the XXXX XXXX, Data Reporter Name, Credit Remarks, Data Reporter Telephone Number is inaccurate and inconsistent between XXXX, XXXX, and XXXX.
Product: Credit card or prepaid card

I sent a letter dated XXXX XXXX, 2017 to Capital One ( the company I have my credit card with that processed the charge being disputed ) explaining that I purchased facial cream under a trial period, and notifed the company within the trial period that the product did not work. This call to the merchant was to make sure I was not charged with the purchase. If I did not make this call, I was to be charged {$89.00} for the sample product and every 30 days a new shipment would be sent to me. Capital One took my complaint but had me go back and forth with the merchant multiple times trying to resolve the dispute, which I had done before contacting Capital One. After many calls, Capital One said they needed the cancellation number that the merchant provided me with when I called to cancel the product. Of course, the merchant knew the game and told me they do n't provide cancellaltion numbers. I even told Capital One that the merchant 's number says they tape the calls and I suggest that Capital One insist on hearing my calls to them. They refused. To make a long story short, Capital One refused to reverse the charge, saying I first needed to provide them with a cancellation # before they could reverse the charge. Capital One made the entire complaint about the cancellaltion, rather than about receiving a product that was a total fraud. I sent Capital One ( along with my letter of information ) 9 pages from different consumer organizations saying how the product and the merchant with frauds, the product did n't work and they were charging account, not crediting accounts back that had complaints, and illegally charging multiple times without consumer 's approval. Capital One chose to ignore all this information and refused to reverse charges, saying I could n't provide them with a cancellaltion #. This is the only dispute I 've had with any purchases from Capital One for a very, very long time and I 've been a customer of theirs for many, many years, which makes it more difficult to understand why they would be so difficult.
Product: Checking or savings account

XX/XX/2019, attempted to online ACH transfer {$50000.00} from my Ally Interest Checking account to my XXXX XXXX ( have done this in the past without issue ) ; was unable to and called into their Customer Care ( XXXX ) ; Customer Care told me it would take 1-2 business days to resolve. Provided case number XXXX for tracking. 

XX/XX/2019, called into Ally to check on progress of case number ; was told they had never seen this issue before and asked me to confirm I wanted to ACH transfer to my XXXX account they had on file ( I confirmed ). They offered a wire transfer, but I requested the ACH transfer be fixed instead as I did not want to go through a wire each time. 

XX/XX/2019, called into Ally to check on progress, was transferred to their " Back Office '' which handles fraud. Back Office informed me there was no hold on my account that would indicate any issue and that they could not help me. Transferred me back to Customer Care and ask for a supervisor. Supervisor also confirmed they had never seen this issue before and that it would take another 3-5 business days to fix. This is unacceptable to me so I requested a wire transfer from my Ally Interest Checking account to my XXXX XXXX account. Issue is still unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Funding has reported false information. They have illegally re-aged this debt. The original debt from XXXX XXXX was scheduled to continue on record until XX/XX/XXXX and they re-aged it to XX/XX/XXXX. 

I am reporting them for giving false information to XXXX. I received no court summons, and I made no payments or arrangements with Midland Funding or XXXX XXXX. I made absolutely no deals with them or any others for that matter. I had no money, no life, no job, nothing. I have n't even been in the same state. On top of that I am reporting them b/c they re-aged the debt so that it appears on the credit report to continue until XX/XX/XXXXIt is my amatuer understanding that it is completely illegal to re-age an unsecured credit card debt especially with the debtor having no knowledge of it. 

I would also like to report to CFPB to notice it says original creditor XXXX XXXX Nevada when in truth it is just XXXX XXXX. Are they both the same or is that just another scheme. 

ThanksXXXX XXXX
Product: Checking or savings account

My XXXX year old XXXX  father deposited a check from another bank - an investment account - to his Bank of America checking account. The investment account requires my father to verify the authenticity of the check. Bank of America rejected the deposit because his signature was shaky - due to his age. They did not call him or communication in any way with him but reversed the deposit from his account and then wrote him a letter, which he received EIGHT days later. He wrote many checks on the Bank of America account after he deposited the money on reliance of the deposit. 

The night my father received a letter I spent over two hours on the telephone with Bank of America. They refused to resolve this matter other than to say he had to bring a new check into the bank and hopefully it would not be rejected. I explained over and over to them t that the closest bank is not accessible for him and he could not get someone to do it for him tomorrow - we are concerned that the checks he had written were going to bounce causing him significant embarrassment and hassle. He just came out of 5 hospitalizations over the last 3 months. 

List of problems and refusals to help : 1. Rejected a deposit without any communication with the customer. 
2. Refused to redeposit the check once it was verified that it was written by the customer. 
3. Refused to stop any rejection of checks written on the account. 
4. Refused to have a manager with authority to handle the situation come to phone to address the situation or handle it prior to noon the next day. 
5. Refused to contact the fraud department ( department who rejected the deposit ) by email, phone or fax to advise them of the problem. 
6. Refused to have any communication with anyone before noon eastern standard time. 

As an additional problem, the first customer service person refused to validate his account with him any way other than by text. My father does not know how to use a microwave let alone text - he does not even have a smart phone. I did not realize that being old disqualified one from service at this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently started reviewing my credit reports and i have noticed incorrect items that are showing up. The innacurate information is killing my financial profile and stopping me from fulfilling my financial obligations. I am in the process of thrying to buy a home and i was told that my credit report has negative account on it that i need to resolve before i will be approved ofr a mortgage. 

There is an account listed on my credit report that does not belong to me. Also the accounts dates last active date shows XX/XX/2015. I was told by a financial attorney that i in the state of NC the statute of limitations for a written and oral contract is only 3 year. Even if this was my account by law it should not still be reportin on my credit report. 

I have reached out to this company multiple times including last month and i still have not recieved a response or an update. Please assist with this matter in a quick matter so that i can continue looking for a home for me and my family. 

thank you in advance
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts Ive marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681b Clearly states Any consumer reporting agency may furnish a consumer a report under the following circumstances and no other. In accordance with the written instruction of the consumer. That's aggravated Identity Theft 18 USC 1028A, you have possession and are using my information without my consent. 15 USC 6802 A Financial Institution may not disclose non-public personal information to a non-affiliated third party unless they give you the CONSUMER the opportunity to exercise your right to OPT-OUT. Please remove all accounts on my report that has been Illegally publicized without my consent. Thank you for your time and patience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Amount {$970.00}
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason at all and will not help me getting it back and going. I assume it has to be a mistake or something. I have not been able to get help from them in months but I remembered I could file a report on here because they are not doing a great job helping me nor properly doing there job. I use PayPal quite frequently as well. My email which is linked to PayPal is : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Product: Debt collection

Patridge Snow and Hahn represented a debt that was being claimed for collection by them. They claimed to be XXXX XXXX XXXX XXXX, as their basis for collection, but never offered authentication when asked what executive at XXXX XXXX hired them, if any. 
Patridge Snow and Hahn may be a law firm, but it was XXXX XXXX who threatened me, He reused to provide debt validation to me, XXXX XXXXTheir debt collection abuse was terrible to me and my family.The harassment was /is unbelievable and they claim ownership of the note to my house and will not show any evidence.
Product: Mortgage

I submitted a previous complaint approximately 2 weeks ago against Bank of America and there unethical tactics. 
After I filed a complaint # XXXX, I received a Certified letter ( the following week ) from Bank of America on XXXX/XXXX/2016 stating my mortgage was 2 months behind, and that is a lie!!!! Currently, I 'm seeking legal advice from an attorney against Bank of America. This is unprofessional, unethical and morally wrong against someone that pays there mortgage every month!! This seems like retaliation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX  company has been reporting inaccurate data for a year. I have disputed the current balance and the original loan amount with each agency, once a month for 365 days. Each time the Loan servicer confirms the incorrect data. They are not reflecting the loan modification amount at all and do not reflect the modified amount online or in any statements. I have entered formal complaints as well as disputes with them with no response. I am eager to find an attorney to formally advise that they are damaging me financially. I make an average of 3-4 calls to the loan servicing company and 5 calls to agencies monthly.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lag posting of charges and credits. This issues aligns with the recent CPFD findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening. Hoping that you could help me out. 

XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting

Under the Fair Credit Reporting Act I am entitled to dispute information that I find to not be accurate - especially information that is lowering my credit score and thus putting a financial burden on me. I am a victim of identity theft. I have previously discussed this identity theft with XXXX Equifax and XXXX. I disputed the information that resulted due to the identity theft with all XXXX credit reporting agencies and Equifax is the only XXXX of the XXXX that gave me any issues. Equifax recently responded to my dispute regarding inquires telling me that they were a fact and that I would have to address each individual inquiry with the company that inquired. Several of the companies did not respond and I later was told by XXXX of the companies that it is Equifax 's duty under the FCRA to dispute everything, including inquiries if I provide them with documentation of the identity theft which I have done NUMEROUS times. I have attached a letter from XXXX detailing my identity theft which includes a number for Equifax to call should they have any questions as well as photo ID and proof of residency. The inquiries are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Telephone Companies XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Banks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Telephone Companies XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX, XXXX XXXX XXXX Mail Order Firms XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX Banks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card XXXX.
Product: Debt collection

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
Product: Credit card or prepaid card

I was in the XXXX XXXX in XXXX XXXX XXXX in XXXX XXXX XXXX trying to buy a computer on XX/XX/2021. I told them that the computer was more expensive than at another store, so I was going to leave to buy it elsewhere. The sales associate informed me that I could get 24 month no interest financing if I signed up for the apple card. This was an attractive offer so I decided to go through with it instead of buying the computer elsewhere. I applied for the card, got approved, and proceeded to check out. When she pulled up the information I noticed there was only 12 month financing and not 24 month financing as promised. She apologized and checked to make sure that wasn't a mistake. It was not a mistake, and 24 month financing was not offered on this product. So now I just have this credit card I don't want that was opened under false pretenses. I left the store to buy the computer elsewhere. 

I then called Goldman Sachs, who is the partner for the apple card and told them what happened. This was 3 minutes after the card was opened. They told me that they could not reverse my application and that I could close the card but that, that could negatively affect my credit. 

I was taken advantage of and now just have this credit card I don't want or need and that I can't close for fear that it will affect my credit negatively.