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

I checked my account before I paid my XXXX  bill and noticed 17 unauthorized transactions amounting to {$320.00} I called Direct Express on XX/XX/2020 when I noticed the charges and I was told there was nothing they can do until the charges cleared my account. I called back on XX/XX/2020 and started the dispute and cancelled my card. I was either hacked or one of the websites I shop on or pay my bills on was hacked. I pay {$35.00} a month on XXXX XXXX for my cell phone. I pay between XXXX and XXXX dollars a month to XXXX  for my TV and internet service. I pay {$12.00} a month to XXXX. I pay {$5.00} to XXXX and I pay {$14.00} to XXXX for my XXXX  membership. I shop on the following websites, XXXX, XXXX, XXXX, I bought a VPN from XXXX, I bought a subscription on XXXX which was my last card purchase. I tried to purchase a guitar from XXXX but the order was cancelled due to my card being cancelled and no funds in my account because they were stolen. I also filed a police report on XX/XX/2020 with the XXXX Police Dept. The report number is XXXX I also started a dispute with XXXX on XX/XX/2020 for the 13 charges of {$25.00} for XXXX XXXX XXXX XXXX XXXX Ca in the total amount of {$320.00} The XXXX Dispute Claim Number is XXXX. XXXX says it takes up to 12 days to investigate. 
I did receive the four XXXX dollar charges back to my account. The following 4 charges were returned to my account XX/XX/2020 XXXX XXXX XXXX XXXX {$1.00} XX/XX/2020 XXXX XXXX XXXX {$1.00} XX/XX/2020 XXXX XXXX XXXX {$1.00} XX/XX/2020 XXXX XXXX  XXXX XXXX  {$1.00} I swear on the XXXX with my right hand and to XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX that I Did Not Make these charges and I will do whatever it takes to get to the bottom of this or to solve this List of all unauthorized transactions below Transaction Date Merchant Name Amount XX/XX/2020 XXXX XXXX XXXX XXXX {$1.00} XX/XX/2020 XXXX XXXX XXXX {$1.00} XX/XX/2020 XXXX XXXX XXXX {$1.00} XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX  XXXX XXXX {$1.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts about their accuracy the reported payment history of this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$6700.00}
Product: Credit reporting or other personal consumer reports

Accounts XXXX. XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ) To my knowledge these credit reports were requested to be removed by the store companies. Due to inaccurate information of the length to which these accounts stayed open, and unauthorized payments that are now showing as LATE when the accounts were not open past the recorded late payment dates on my updated credit file, this has been an on going issue that has not gotten corrected from XXXX and TRANSUNION but HAS gotten deleted from XXXX and I am demanding that these XXXX credit accounts be removed from my credit file INDEFINITELY once and for all! Myself and the store companies have BEEN taking measures from this illegal action and are requesting deletion for these XXXX accounts. XXXX XXXX and XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I transferred over self several XXXX in the amount of {$500.00} each would a total of XXXX to my Navy Federal account from my XXXX XXXX in one day. I only received a deposit of {$3000.00} into my Navy Federal. I called numerous of times and request a full review and research on what happened to my {$500.00} deposit that was missing from the XXXX and all I got back wasnt response saying everything was deposit and that was it. They couldnt do anything else about it but if you looked at my account, I only receive XXXX and not XXXX so I still have not received my {$500.00} thats missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this dispute on regards of the incorrect personal information that appears to to be reporting to these credit bureaus causing them to fail to provide 100 % accuracy across the boards. Ive tried to dispute many times yet no results.
Product: Credit card or prepaid card

On XX/XX/2022 I was charged {$410.00} at a XXXX XXXX XXXX in XXXX XXXX. I have never been to this Gas Station as it is XXXX miles from my home. I XXXX XXXX a XXXX XXXX and XXXX XXXX XXXX I have never spend more than {$60.00} at any gas station. 

I called Wells Fargo to open a claim. They closed my card and sent me a new one. They also credited me for the charge. 

Today I saw, the charge reappeared on my statement for my new card on XX/XX/2022. I called Wells Fargo and they told me the claim was denied because the card was always in my possession. I was given no notice or explanation of this decision. They opened a new claim, but I find this to be unacceptable that I need to spend money and have this charge on my account. If one uses common sense and sees the facts, this is clearly fraud. Please help. 


This is the address to the gas station, which I found with a simple google. 

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

In XXXX i called XXXX XXXX XXXX to do a voluntary repossession because covid made my job shut down and my income was becoming to looking unreliable so they got the car and a month later they reported on my credit that the car payment was late even though when I gave the car back I was currently on my payments Than XXXX months later they auction off the car and it sold for more than i owed so i was given money back than they put account closed paid in full or sold to a collection on my account remarks which wasnt true so lenders thought i owed on that account than going on almost XXXX years later they changed my remarks into a repossession so my credit score dropped XXXX points on XX/XX/XXXX on a account closed almost XXXX years ago in XXXX iand they havent reimburse me for the remaining months of the gap insurance I didnt use
Product: Credit reporting

FRAUDULENT INQUIRES WERE INITIATED ON MY CREDIT FILE. REMOVE FRAUDULENT INQUIRY FROM CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I've disputed about my closed XXXX XXXX Credit Card payment history the account was closed XX/XX/2022 I've continued to receive payment history after the account was closed back in XXXX.
Product: Credit card or prepaid card

citi bank credit card has taken over the sears credit cards. I recently received my statement informing me that i signed up for a promotional payment plan that was interest free for four years and then interest would accrue. The balance owed is {$2800.00}, they are now charging me {$5400.00} in interest. When i called them about it, they were unable to supply me with proof that i signed for this promotional program. I have never signed up for these promotional programs for this very reason. I have been warned for years when i started my credit history against these types of programs. The interest is almost a 100 % charge. I demand proof of my signing for this type of program and have the interest removed from my account. As i am now attempting to cosign for my child 's student loans this will severely have negative affects on my credit rating as the balance on this card is exceeded by more than two thousand dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX ... KIA MOTORS FINANCE XXXX ... XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXXXXXX 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX : XX/XX/XXXX SSN : XXXX RE : You Violated The United States Code Law 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 instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX XXXX : Account number : XX/XX/XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XX/XX/XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX XXXX  : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

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

In accordance with the fair credit reporting act convergent accounts below violated my rights to laws 15 U.S.C. 1681 SECTION 602A - Which states that I have the right to privacy. 15 U.S.C. 1681 SECTION 604A- Consumer report agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX ID TYPE : identification ID # : XXXX Address : XXXX XXXX XXXX XXXX XXXX Ks XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX 

I am writing to request these accounts are removed from my credit report. of the following information that appears on my Transunion Consumer report. I have NEVER requested credit from the following accounts : XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXquiry : XXXX XXXX XXXX XXXX + Credit Union ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit XXXX XXXX XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXXXXXX XXXX XXXXE Inquiry : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. Ive attached a FTC REPORT I'm requesting the following information be deleted from my Trans Union report immediately!
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Subject : Request for Assistance Regarding Inaccurate Information on My Credit Reports To Whom It May Concern, I am writing to formally request your assistance regarding unresolved disputes with Experian, XXXX, and XXXX concerning inaccurate information on my credit reports. Despite my attempts to dispute these inaccuracies directly with the credit reporting agencies, I have not received sufficient proof or data substantiating the information. 

Upon reviewing information about the CFPB lawsuit involving these credit bureaus, I believe I may have been impacted. In my previous disputes, the responses I received from the bureaus were generic and did not provide evidence that an investigation was conducted as required under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA, I am entitled to have all inaccurate or unverifiable information removed from my credit reports, yet the bureaus have failed to fulfill this obligation. This ongoing issue has caused significant harm to me financially, as the inaccurate reporting affects my ability to secure credit and other financial opportunities. 

I kindly request the following : 1. A thorough investigation into my disputes with Experian, XXXX, and XXXX to determine whether the proper procedures were followed. 
2. Immediate removal of all inaccurate and unverifiable information from my credit reports, in compliance with FCRA guidelines. 
3. An explanation of the steps the credit bureaus are required to take when conducting a dispute investigation, as well as how they ensure compliance with these steps. 

Attached are copies of my previous dispute letters, responses from the bureaus, and any supporting documentation relevant to my claim. 

Thank you for your time and attention to this matter. I trust that the CFPB will take the necessary steps to ensure that my rights under the FCRA are upheld and that the credit bureaus are held accountable for their obligations. 


Sincerely, XXXX XXXX
Product: Debt collection

I always have 100 % payment history I had a car long time ago from XX/XX/XXXXand they repo the car and I was willing to pay to get my car back and exeiter told me its too late but they put it on my credit at first for XXXX $ and after I paid them XXXX XXXX XXXX PUT IT ON MY CREDIT after that and its hurting me really bad I know my right and base on act 616 and 617 if the company close an account they should not put it under my name ever again please remove all DEROGATORY MARKS FOR THIS ACCOUNT this is my last warning OR I will have MY LAWYER take the extra step
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company on multiple attempts starting on XX/XX/XXXX about incorrect reporting of inaccurate inquiries on my credit report as well as accounts listed that were not verified as belonging to me. The company received my information on XX/XX/XXXX and it is now XX/XX/XXXX and I have yet to hear back from the company. The FCRA gives the company 30 days to respond and I have not gotten a response.
Product: Money transfer, virtual currency, or money service

I am requesting that Bank of America either reissue the checks or issue substitute checks for returned cashiers checks No. XXXX {$760.00} and XXXX {$760.00}. 

Bank of America refuses to reissue XXXX cashiers checks returned to my bank as outdated. I have been trying for over a year to have the returned checks replaced without result. They say their policy is to return the original checks to the issuer who can deposit them to his account, wait for them to clear, and have them reissued. I had previously taken legal action on the mortgage I held on his home. He refinanced to avoid foreclosure.. When I asked Bank of America what happens if he deposited the funds to his account but kept the money. They told me I could get a lawyer. I wrote Bank of Americas corporate office for help, no response I filed a complaint with the Office of the Comptroller. A representative responded with a duplicitous answer and no result. I mailed the original checks to the issuer, XXXX XXXX with no response. He no longer owns that house according to county records. 

According to my research, Section 3-312 of the Uniform Commercial Code requires replacement of checks with a Declaration of Loss. I sent a notarized Declaration of Loss to Bank of America and received the attached form letter Were unable to provide the requested service for this type of account. with no details except a case number. 

I called Bank of America to verify that the letter referred to my request of XX/XX/XXXX with the Declaration of Loss. I was told it was the response to my request to notify me that the case is closed.and they will not replace the uncashed checks. 

Bank of America still has those funds in their possession. I understand if they have a policy that is allowing them to keep the funds, but they should be required to honor the checks when their policy is contrary to the law and all other avenues have been exhausted. 

I appreciate your help. Attached is most of my information. Please let me know if you have any questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$660.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

RE : Inaccurate Late Payment Reported Inaccurately Inaccurately Reported Account : XXXX XXXX XXXX Under the CARES Act, if you had an agreement with your lender or creditor to defer payments, enter forbearance, or make partial payments due to the XXXX pandemic, your account was generally protected from being reported as delinquent. Specifically, for late payments, the CARES Act required that account must be reported as current if they were current before the agreement was made, even if payments were deferred or reduced. This protection was effective from XX/XX/XXXX, and lasted until 120 days after the national emergency concerning XXXX was terminated. The emergency declaration was officially terminated on XX/XX/XXXX, which means the protections would have lasted until XX/XX/XXXX. If your lender did not honor this, you may have grounds to dispute the late payment. The account is opened last XX/XX/XXXX, and protected from being reported as delinquent. The payment history and the status of this account is inaccurate. This account should not be late pursuant to the CARES Act. Thoroughly investigate and update with lawful accuracy. 
This account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & created unwanted stress in my home life. Please reverse the late payments under the CARES ACT. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Thank you for your urgent attention in this important matter.