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

On or about XX/XX/2021 I deposited around {$620.00} at my Bank of America ( see address below ). The ATM accepted and showed the deposit amount onscreen. I deposited {$2300.00} after that, I did 2 deposits since I had a lot of cash. I looked at my statement online the next day to confirm both transactions and the {$2300.00} amount was present but the {$620.00} wasn't. I called and talked with an associate to open an investigation, the investigation results came back a few weeks later in favor of the bank, I spoke to banking manager XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX branch, she took my case with enthusiasm and I was hopeful and then in early XXXX that investigation came back with no evidence of my deposit. I am certain I made the deposit and unfortunately the same thing happened a month later in the amount of {$400.00} that was thankfully returned to me, but as for the {$620.00}, they said they checked the machine and the cameras and have no evidence to go by save for heresay, I failed to grab a receipt or take a picture, I didn't have the presence of mind that something like this could happen, but after several investigations they refused to give me back the {$620.00}. I have written to the CEO of BofA twice and each time XXXX from XXXX XXXX replies and leaves a number that which when I call, there is no such person at that number.
Product: Credit reporting or other personal consumer reports

These are the accounts I have marked inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report Via myfreescornenow, and I noticed some late payments posted on my credit report, I never made late payments nor I was provided proof of such so my account needs to be updated to paid never late. 

Account Name : XXXX XXXX Account XXXX. 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Page 36 | 43 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Debt collection

On XX/XX/XXXX I spoke with First FederalCredit Control. On XX/XX/XXXX, I sent a letter to First Federal Credit Contro asking them to provide me with the following information to validate a debt 0f {$310.00} from XXXX they are claiming was transferred to them from XXXX XXXX XXXX. I asked them to provide me with the following information : I am requesting that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay First Federal Credit Control. 1. Agreement with the creditor that authorizes you to collect on this alleged debt. 2. The agreement bearing my signature for this debt. 3. Valid copies of the debt agreement stating the amount of the debt and interest charges. 4. Proof that the statute of limitations has not expired. 5. Complete payment history on this account along with an accounting of all additional charges being assessed. 6. Show me that you are licensed to collect in my state and your license numbers and Registered Agent. They did not provide me with any of the information that I asked for. They provide a document with supposed information from XXXX XXXX, however, XXXX XXXX is in XXXX, MD, not XXXX, MA. They are not authorized to collect on this account and the information should be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX placed a fraudulent account on my credit report, I demand XXXX XXXX remove this account immediately, this account is not mine I am sending a letter of demand to remove this account or i will seek legal action XXXX XXXX for violation my my consumer rights, im filing this complaint against XXXX XXXX because XXXX XXXX has used my information to establish a fraudulent account in my name, in future reference I will sue XXXX XXXX in arbitration and will demand arbitration to resolve this matter if ignored, this account is not mine so remove this and close this matter
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a list of the hard inquiries in question, along with a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or any of the hard inquiries reported. All of these items are the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Report ( # [ Private Case Number ] ) as proof from the U.S. Federal Trade Commission that the above accounts, collections, and hard inquiries are fraudulent. I respectfully request that you block the fraudulent information from my credit file within four ( 4 ) business days, as required by FCRA 605B.
Product: Credit reporting or other personal consumer reports

I have been a XXXX XXXX XXXX for almost 5 years, I HAVE ALWAYS PAID ON TIME EVEN THOUGH I FELL ON SOME HARD TIMES I ASKED THEM TO FORGIVE THE LATE PAYMENTS AS A COURTESY BUT THEY CLAIMED THAT THE LATE PAYMENTS ARE ACCURATE BUT THEY ARE NOT THEY NEVER PROVIDED ANY VERIFICATION OF LATE PAYMENTS NUMBER ONE NUMBER TWO I EXPLAINED MY SITUATION OF BEING WRONGFULLY TERMINATED, EVICTED FROM MY HOME, LOSING MY CAR, LACK OF UNEMPLOYMENT BENEFITS, MY FAMILY DISOWNING ME DUE TO MY LIFESTYLE OF BEING XXXX AND BEING USED BY SO CALLED FRIENDS!!! THEY LACKED A LOT OF EMPATHY AND EMPLOY XXXX XXXX XXXX ALONG XXXX XXXX  THIS SITUATION HAS BEEN DAMAGING TO MY XXXX HEALTH CAUSING ME TO XXXX XXXX XXXX XXXX ALONG NO JOB OR HOUSING DUE THEM NOT REMOVING THE LATE PAYMENTS LIKE I ASKED, HOUSING FOR PUBLIC IS FULL AND MY SITUATION DOES NOT QUALIFY FOR A LOT OF ASSISTANCE PROGRAMS ARE LOW COST DUE TO THE SENSITIVE NATURE OF MY SITUATION!!!! THEY SEEM NOT XXXX XXXX XXXX XXXX XXXX XXXX  AND THEY NEED TO REMOVE XXXX XXXXXXXX LATE PAYMENTS AND PAY {$160000.00} IN LOST WAGES!!!
Product: Credit reporting or other personal consumer reports

My rights as a consumer have been violated according to The Privacy Act of 1974. The items reported on my consumer report are in violation and have caused a hinderance to my consumer report, causing me to not obtain credit. In 5 USC 552 ( a ) it states : ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. 
There is no reason that these accounts are reporting when I the Consumer, never gave ANY written permission to furnish ANY information. This must be removed immediately!

Also, I chose to opt out of all authorizations that I had previously given each company. Never have I received a privacy notice from the company before furnishing data. I am now requesting that all data be removed that pertains to each company.

12 CFR 1016.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in

1016.13, 1016.14, and 1016.15. 12 CFR 1016.4 Ini
tial privacy notice to consumers required.

( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of thi

s section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you
must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern of Zelles handling of disputes, especially in light of the recent CFPB lawsuit highlighting these issues. I have used Zelle numerous times and have had issues with multiple transactions. Zelle neglected to protect me as a consumer and left users like myself vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, there shows a charged off account with a balance of {$610.00} from XXXX XXXX XXXX. There also is a a collection account from XXXXXXXX XXXX  XXXX, showing a balance of {$610.00} I would like both of these accounts to be removed because they are reporting false information because because a charge off which has been placed in collections, should report a XXXX  balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a XXXX 's credit card in XXXX of 2014 and received a paid-in-full letter thereafter from XXXX 's attorney. It was a settlement that XXXX 's agreed to and signed to in front of the judge when i fell on hard financial times. I have proof that I paid every red cent agreed to. Since then, 3 years later, XXXX 's in conjunction with XXXX ( they merged ) have reported to all 3 credit bureaus that I am late every month to this day. I am constantly disputing this fact with PROOF to the 3 credit bureaus, XXXX 's credit and XXXX, however I am told that internally, XXXX 's and XXXX do not communicate with each other. When the credit bureaus try to question them, they claim I owe {$380.00} to this day. As a result, I have been denied credit, or charged on average, 4 % more interest rate to lease or purchase anything. I have written letters and made calls with escalations for 3 months now and XXXX 's constantly denies THEIR OWN paid in full letter. I spoke to XXXX 's attorney who claims, they must accept the proof I submitted to them. They do n't. Various people at XXXX as claim they had an internal problem with account numbers ; another told me the 2 company computers do not communicate ; yet another told me, this is happening frequently and yet another said, this amount of {$380.00} was supposed to be written off by XXXX but was not ; an internal mistake that is costing me thousands and lots of heartache. Please help me!
Product: Vehicle loan or lease

Unauthorized Add-Ons and Deceptive Practices in Auto Financing by XXXX  XXXX XXXX I am filing this complaint against XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, regarding unauthorized charges added to my auto financing agreement. On XX/XX/2024, I purchased a XXXX  XXXX XXXX XXXX XXXX from this dealership. Upon reviewing my purchase documents, I discovered a charge for XXXX XXXX XXXX XXXX ( TMIS-PPM ) that was added without my authorization or consent. 

During the sales process, this add-on was never disclosed, discussed, or agreed upon, and I did not sign any documentation approving this additional cost. I believe this constitutes a deceptive practice, as the charge was included in my financing agreement without my knowledge or approval. 

The unauthorized charge has affected the total cost of my financing, potentially increasing the amount I owe and altering the agreed-upon terms of my loan. This practice is not only misleading but also appears to violate consumer protection laws by altering the terms of my auto loan without proper disclosure and consent. 

Thank you for your assistance in this matter.
Product: Debt collection

Chase has refused to provide me with monthly billing statements for the years XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. I have requested these documents over 5 times and have been denied. I request that Chase does not send me copies of the contract or deed or mortgage papers. I have a dispute with the way the account billing and accounting was handled. I also request copies of the loan modification application and payment statements. I request copies of all check Chase payment refunded/issued to me in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX concerning this account. The account and servicing records are not and accurate Chase keeps avoiding my request according the the Federal Respa Laws and Dodd Frank Regulation X governance. I want copies of all documents sent within 7-10 business days of this notice- Please do not contact me by phone and send requested documents by their should be no delays or questions needed
Product: Debt collection

I received a letter from XXXX XXXX  where they told me the account in charge-off status was placed with Central Collection Services collection agency. I was never notified about my dispute rights and no documents were sent to me. I want you to send me all the documentation you have. Prove that you have rights and a licence to collect the debt in my state. 
What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Product: Mortgage

This property has sat unoccupied and with little maintenance by the Owner/Property Manager for a year. The Association has had to take over property maintenance. The Association has incurred a substantial amount of fees as the result of the lack of maintenance on this property which likely we will not recoup. Surrounding properties have filed multiple complaints with us and have concerns that the appearance of this property has detracted from the value of their property.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Bank I have reporting this information for over two years and it cost me in numerous of way not being to provide shelter or purchase items at reasonable price conducive to my actual credit report. It has my credit score slightly down. I want this corrected immediately. It is  registered with a XXXX balance and showing a foreclosure. You can't have a foreclosure and XXXX balance. I also can not have two1st mortgages at the same time. I also have spoke to this mortgage company and they have agreed it is inaccurate and stated it would better if XXXX and the credit. Bureaus correct their information. This information should be expedited on my report as soon as possible. I would this complete by tomorrow, I have waited too long for this process. I can be reached at XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to urgently request your assistance in removing fraudulent items from my credit report. Despite thirty-seven previous attempts to rectify these issues directly with the credit bureaus and creditors, the fraudulent items remain uncorrected and continue to damage my creditworthiness. This letter marks my many attempt to resolve these issues, and I am in desperate need of your intervention. The continued presence of these fraudulent items on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), which entitles me to dispute and correct inaccurate information. I am requesting for your intervention to ensure these fraudulent items are removed immediately. The persistent inaccuracies are causing significant harm to my financial standing, and I am prepared to take legal action if necessary. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As a result to a data breach at my realtors office my personal identity was compromised and misused to apply for and open up accounts without my knowledge or consent. i have taken the steps and precautions to protect myself from any further activity and damage of my personal credit file. i have a police investigation in progress locks for my credit monitoring sites that give me on time alerts and i have an identity theft report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX account numberXXXX
Product: Money transfer, virtual currency, or money service

As a client of Chase Bank, I wish to use your organization 's service to settle my dispute with the bank. 

You will find the whole story in my complaint letter.
Product: Debt collection

I was hospitalized agains my will. I tried to call many times XXXX XXXX  XXXX  for all information about my bill. I was a XXXX  in states and the bill for 2 days is totally agains my will. I want full bill with every single charge. They refused to send me this information.
Product: Credit card or prepaid card

I went to XXXX and did a rental with budget car rental they charged me for my rental which was {$330.00} on XXXX XXXX- XXXX XXXX. I returned the rental and received my deposit, and everything was OK. 
Until a month after I saw a charge from budget for {$240.00}, which I didn't authorized. I then called Capital one and told them and we started a claim. I tried contacting budget and they hang the phone up and when I email no reply. 
Capital one did no investigation they just keep denying my claim. It's unfair for my to pay for this charge.
Product: Credit reporting or other personal consumer reports

LexisNexis continues to report incorrect information. Under federal law data furnishers are required to report 100 % accuracy. To clear up any confusion my name is XXXX XXXX there should be no other names or name variations listed or this would be concerned identity theft because I am not known by any other names. My only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX any other address is incorrect. For your convenience I have attached my identification and proof of my residence so beforehand sending a stall letter will further escalate this situation.
Product: Credit reporting or other personal consumer reports

I am thankful for your help in removing some of the negative items from my credit file. However, there are still a few incorrect items that need to be removed. I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ) credit inquiries that I find to be problematic. I contacted the companies listed below and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX Please remove these inquiries at your earliest possible convenience. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your results within 30 days time. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.