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, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the XXXX I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. Bankruptcy XXXX XXXX XXXX
Product: Debt collection

I, XXXX XXXX XXXX ( DOB : XX/XX/XXXX debt collector for credit card that I contend was erroneously sent to collections, as I had established auto payment ( {$50.00} ) above initial minimum payment ( approx. {$35.00} ) for a Bank of America credit card opened onXX/XX/XXXXwith {$2500.00} credit limit. The ( a ) initial billing and ( b ) date auto payment was established are conveniently not included in discovery, and I am unable to obtain this information online through my current BOA checking account. I have not contacted BOA since the filing of this lawsuit due to distrust and not knowing source of presumed fraudulent practices. BOA contacted me about delinquency of account, but on at least two occasions before account was transferred to collections, I spoke to BOA rep, which could not explain why the auto payments, in excess of billing expenses, were not adequate. In XX/XX/XXXX when balance was approximately {$1800.00}, below the {$2500.00} limit, I had transaction declined at local XXXX and then learned that BOA suspended the card. On XX/XX/XXXX BOA sold account to XXXX XXXX XXXX for undocumented amount. I am being sued for {$3800.00}. Though I have had no direct dealings with XXXX XXXX XXXX court record notes, " The last payment was posted to the account on XX/XX/XXXX in the amount of {$50.00}. '' In reality, BOA continued to take auto payments for 47 months after it was sent to collections through XX/XX/XXXX, and without any expressed agreement and/or without addressing my contentions that the auto payments were timely and adequate, BOA sent this money to collections agent. The court documentation has discrepancies and falsifications, as it reflects " there is now due and payable from the Defendant the sum of {$2400.00} ; plus accrued interest of {$1300.00} through XX/XX/XXXX ... '' Additionally and just as contended with BOA, regular payments are taken simultaneously while default interest is being accrued. There appears to be 2-3 grounds where bank loses its creditor exemption, and I would like to explore counter claim ( s )  against bank and collections agents. The matter is set for trial in XX/XX/XXXX.
Product: Credit card or prepaid card

I originally purchased a return ticket for a family of XXXX from Oklahoma to XXXX XXXX California at the amount of {$2500.00} XX/XX/2022, but decided to enroute from California via XXXX Georgia, back to Oklahoma. Therefore, changes were made to the ticket on XX/XX/2022. Thus, increased the price to {$3800.00} and I made the total payment as showed on the cart. But the bill ( XXXX ) that I received was different from the authorized amount {$3800.00} on cart when I made payment/checked out. 
I called the customer service several times to dispute the amount but was told that I have to pay the billed amount ( XXXX ), that was when I decided to council the flight/transaction and as well closed the account, the representative went further to tell me that the ticket I bought is a non-refundable ticket, therefore, it does not matter if I accept it or not, I have to pay the full amount ( XXXX ). 
I further explained that the underlying factor of my cancelation is due to the fact that the XXXX XXXX systems failed to show/display the billed amount during my payment/check out. I am not responsible or liable for the systems failure. 
I wouldnt have committed or authorize the payment of ( XXXX ) for any tickets if I had seen the amount during checkout. I have included the proof of Cancellation, and both payment receipts of the original booking amount of ( {$2500.00} ) and the new purchase summary of ( {$3800.00} ). At this juncture, I am not sure why I should be saddled or forced to pay for a ticket that I did not use due to the reasons itemized above.
Product: Credit reporting, credit repair services, or other personal consumer reports

1, XXXX XXXX XXXX XXXX - {$0.00} 2. XXXX XXXX XXXX - {$1200.00} 3. XXXX  XXXX- {$0.00} 4. XXXX  XXXX XXXX -! XXXX XXXX, XXXX XXXX - {$800.00} none of these accounts belong o me I am afraid this is ID theft or sense I have a common name the credit bureaus have my name mixed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax leaked my private information and has been me susceptible to identity theft. I now need to proactively monitor my credit. The type of information leaked included my drivers license, dob, and social security number + more. This has affected me as I am currently trying to close on a house and have had to take steps to guard my credit.
Product: Checking or savings account

On XX/XX/XXXX, I disputed an unauthorized transaction with Bank of America. The total of the transaction was XXXX. A bank of America associate mishandled the claim, and added transactions that I did not ask to be added to the claim. These transactions were from the same merchant. The two transactions that were added to the claim without my consent were more than 60 days old which made my claim invalid. Instead of the claim total being XXXX, it was instead XXXX. Due to this mistake by Bank of America, my original claim request for XXXX had to be re-filed. Because the mistake was made first, my original claim for XXXX was closed immediately and denied because it was a duplicate. None of this should had happened. There should have only been one claim for the amount of XXXX. I sent in a complaint letter explaining the costly errors Bank of America had made, and the claim that I originally attempted to submit was reopened. Today it is XX/XX/XXXX and I received notification from BOA that this claim had been closed per my request. I never made this request. I am very disappointed and frustrated to still not have this problem solved and my account restored. I have called in and was not given any explanation or information that can help me. This is by far the worst banking experience I have ever had. I have still not recovered my funds or been updated as to why my claim is now closed. I was hung up on by an associate who was very unprofessional. Its been months of dealing with this and I have not been able to live comfortably or use my account because of Bank of Americas unwillingness to correctly do their job. Again, my claim is now closed, and I have no idea what to do now as this is the second time it has been closed without any good reason. I was told my fund were being recovered for the past month and this turned out to be a complete lie. I was contacted by a resolution specialist named XXXX XXXX from BOA after submitting my first complaint to the CFPB. XXXX XXXX assured me these things would be handled properly and that she would be my point of contact throughout this situation. I have not heard from her in weeks and she has not returned my calls at all. This entire experience has been really stressful and frustrating. Bank of America has been completely unhelpful, untruthful, and unprofessional and I demand something be done. I have been a victim and Bank of America has not valued me as a client at all. I am demanding my money back. I do not understand how I have absolutely no information on this claim after almost two months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, Experian and XXXX ) credit report. My latest credit report shows 10 credit inquiry/inquiries that I did not authorize. These inquiries are over a year old and I was shopping for a car XX/XX/2018 from one dealership and they put all these hard inquiries on my credit with my consent. The number of inquiries exceeded what I expected. I felt pressured into getting car financed with dealership. These inquiries are affecting my FICO score and me trying to refi my mortgage.
Product: Credit card

There were multiple fraud charges made on this account that was reported in time to Kohl 's Fraud team. They removed the charges, issued a new card. Then the charges came back to my account with no explanation on the resolution. I contacted them, they took the charges off temporarily, then months later they put them back on. This process went of for over a year and a half with no explanation on what they found. I finally was able to get a hold of someone, they stated why they state the charges where mine because they where shipped to my house. They never once told me that from the first fraud claim, so I could research this more. They just pushed it out so I couldn't retrieve any information from XXXX or whoever shipped the products to get proof of delivery. 

I never made or authorized these charges and want them removed from my account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 


XXXXINQUIRY : ( EXPERIAN ) XXXX XXXX XXXXXXXX Inquiry date - XX/XX/XXXX INQUIRY : ( TRANSUNION XXXX XXXX - Inquiry Date XX/XX/XXXX *ACCOUNTS/COLLECTIONS/CHARGE-OFF : ( EXQUIFAX ) XXXX  XXXX Balance - {$310.00} Credit limit - {$200.00} Account number XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX Account number - XXXX Date opened- XX/XX/XXXX XXXX XXXX Original balance {$530.00} Account number XXXX Date opened XXXX XXXX, XXXX XXXX XXXX Original balance - {$520.00} Account number - XXXX Date opened- XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking. Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or XXXX  XXXX  if the consumer has provided trafficking documentation to the consumer. The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX XXXX  ) XXXX In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA XXXX Section 605C is effective 30 days after the Bureau issues its final implementing regulations. BILLING CODE : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Docket No. XXXX ] XXXX  XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

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

XXXX XXXX XXXX XXXX XXXX Is falsely and inaccurately reporting a debt with XXXX XXXX XXXX that is not mine and they refuse to remove it from my credit report.
Product: Credit card or prepaid card

I bought a set of tires at XXXX XXXX in XX/XX/2021. They had a promotion that stated that if you opened a XXXX/XXXX XXXX account you would recieve a {$50.00} gift card.While I waited for my tires to be installed I applied for the XXXX card. Within about 5 minuted I recieved a e-mail from XXXX  that I was approved for {$1000.00} credit and would recieve a card in the mail.They assigned me a number.I did recieve my card in the mail.I told the store manager to put my purchase on the XXXX  card.The number on the computor was different than the number XXXX had sent me.The manager said the number on the computor must be a authorzation number and when I got my bill it would have the correct number on it.About 3 weeks later I recieved a bill from Fortiva Bank for the amount of my tire purchase.There was also a new account fee of {$49.00} on it.I immediately called Fortiva To question why they opened an account in my name and put my XXXX XXXX purchase on it.They told me they were the back up bank for XXXX XXXX and XXXX had refused my credit. NOT true.I immediatly told then to close that account and I sent them a check for the tire purchase.I also told them this account was opened fraudently and I would not pay any fees.After talking to several people they finally said they had closed the account and would remove the fees.I do however still recieve bills every month for fees and penalties now to the tune of about $ XXXX.The last time I called I was on the phone for one and one half hours.The last half hour I was on hold untill they cut me off.I discussed what had happened to the manager of XXXX XXXX and he told me XXXX XXXX had no back up bank and this was obviously fraud.He thought Fortiva must have intercepted my info off of something called the dark web.They now sent me a letter saying they have opened another account in my name with a new account number.This is fraud and a scam and they need to close all accounts in my name and remove any fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2022 XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX  XXXX XXXX XXXX : {$360.00} XXXX XXXXXXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$1400.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX : {$100.00}
Product: Debt collection

I am writing to bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ) by your credit bureau. I have recently reviewed my credit report and have noticed that there are accounts that should have been removed, but are still present on my report. Furthermore, the collection company responsible for these accounts has specifically asked for them to be removed, yet they remain on my report. 

According to the FCRA, credit reporting agencies have a responsibility to ensure that the information they report is accurate and up-to-date. In this case, the accounts in question should have been removed due to the request of the collection company. The failure to do so constitutes a violation of the FCRA. 

I have taken steps to dispute the information with your credit bureau, including providing documentation to support my claim. However, I have not received any response or indication that any action has been taken to correct this error. 

I strongly urge you to investigate this matter and take the necessary steps to remove the accounts in question from my credit report. Failure to do so may result in further action on my part, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your attention to this matter. 

Sincerely XXXX XXXX accounts XXXX XXXX XXXX $
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The AARGON AGNCY ( Original Creditor : XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with Fair Credit Reporting Act, 15 U.S. Code 1681i - Procedure in case of disputed accuracy within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. MUST remove this collection account immediately. 




15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Product: Student loan

I never received any written information about wage garnishment, so I was unable to response. The day my employer received the information I called and reached out to  USA Funds and they said they are n't able to help rehabilitate my loan or stop wage garnishments. They do not want to help and I ca n't afford these payments. I wo n't be able to pay my bills or rent for my family.
Product: Debt collection

Collection Bureau Of America/XXXX XXXX or XXXX has sent me to collections for a service I never started. I have disputed the account with the credit bureausXX/XX/XXXX and XX/XX/2019. I have requested documentation from XXXX   XXXX proving the account to be mine because I have never had water service from them or any other bottled water company. The have not and will not send me any documentation. As well they notify one credit bureau that the account is valid but will not send them documentation proving the debt. This collection has caused me to place a fraud hold on my credit because I know I did not have an account with this company and they will not send me verification.XXXX XXXX just tells me to file a fraud report with the credit bureaus. I need documentation of the account to do so but again they have not provided me or the credit bureau anything. I have filed complaints with the better business bureau XX/XX/2019 as well to try to get this fixed with no results. As of today their response to the BBB is for me to file a fraud report. Again I need documentation from them to prove the account is mine in order for it to be legit fraud other wise it could be as simple as someone with a similar name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company continues to provide my credit report to companies without my consent, and refuses to erase my data when requested after opening up an account in my name without my knowledge.
Product: Mortgage

I have been reading through a number of on line publications and still ca n't find a clear answer to my question. What are my rights to receive my monthly statement from my mortgage company in a timely maner? Two months ago I received my statement at the beginning of the month and my bill would be due on the XXXX of the following month. The next month it was n't printed till the XXXX and I did n't receive it till the XXXX for a bill due on the first. This month my bill is due in 8 days and I have n't received any statement at all from my mortgage company. I live in Texas. Is there a federal or state law that protects my rights? especially when there is a penalty for late payments.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXXXXXX XXXX XXXX & may have got into the hands of the wrong person.