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

Someone obtained my US bank online username and password. I had {$1000.00} in the account I leave in the account to avoid any low balance charges as I used it only for a Real Estate ( Realtor ) business only to make deposits then move money into other accounts. I had not used the account in months and on XX/XX/XXXX someone obtained and used my username and password and withdrew {$920.00} then on XX/XX/XXXX deposited {$3200.00} and immediately withdrew it, the on XX/XX/XXXX withdrew {$1600.00} and {$1600.00}. I have never made those kind of deposits since I opened the account nor do I withdraw money in that account until the Realtor commission checks have cleared. I have always deposited large commission Realtor checks then moved that money to other accounts leaving {$1000.00} in the account. US bank has denied my fraud claim saying I am liable.
Product: Credit card or prepaid card

We had a leak from our roof and the insurance company sent a check in both my husbands name and mine, I checked to be sure I could do a mobile deposit that the check amount was not too much and it wasn't. We both signed the check and I deposited into my bank account and got confirmation that it was accepted. The next day the money was gone and we are talking $ XXXX. I called Bank of America and was informed it was the insurance company. When I got to work, I called the insurance co and they said it was not them. I called a local branch of BOA and was informed it was because my husbands name was not on the account. We made an appt and went down that day to add his name. We were told we had to wait for a letter in the mail and then come back down. This was about 4-5 day delay. We received a letter from BOA and we went immediately to the bank and was then informed it was not the letter that we would get another one. No way we were told there would be 2 letters. In the meantime we had the roofing contractors here as weather was changing and we were trying to work in between rainy days. I had to go take money out of my account ( this $ XXXX was not back yet ) and get a cash advance on my credit card. I had no other choice as the contractors had to get paid. It was later remembered that I did a mobile deposit so there fore I had the check and then I was told to come back down to redeposit it. I could have done that a week before but they told us I had to wait for a letter. I don't feel I should be penalize {$160.00} cash advance fee when all of the errors were committed by employees of BOA. It was one error after another. They never sent me an email or text stating why the money was removed. All it said on my account was amount correction. I get text and email alerts on transactions of less and this should have been a phone call. I have tried to talk with BOA branch employees and they tell me its the credit department that has to waive the fee. When I called the credit department they said it was a legitimate charge that they did not make the error but I said you are all BOA employees so I still feel the charge should be removed. I want this account closed but I am not paying that fee. I already paid back the cash advance so this fee is the only thing on the card.
Product: Credit card or prepaid card

I have a revolving XXXX account and had a monthly charge for a phone protection plan that was {$12.00}. In XXXX, XXXX, I purchased a new phone elsewhere and didn't need this protection plan any longer. I went online to XXXX and canceled the plan. I received another billing late in XXXX and decided to pay it in XXXX thinking maybe I did owe one more month. I received another billing in XXXX with new charges. I called the company, XXXX XXXX XXXX XXXX, that sent this billing saying I was late. They told me I had to call XXXX directly, but the number I had took me back to XXXX. I wrote a letter to them about the situation and included Samsung.s complaint form that I found online. I sent that letter on XX/XX/XXXX. Approximately XX/XX/XXXX I received a letter from XXXX saying they had received my letter and that they were investigating and I needed to continue making payments. Nope not happening because I would never get a refund and felt I didn't owe the money since I had canceled to plan. I have heard nothing more except to continue to receive late notices and when trying to call I sit on hold for hours and end up hanging up. We are in month 4 of this dispute and still not resolved.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I found some errors on my credit report, governed by 15 USC 16c-2. The information in question is incorrect and harms my creditworthiness. I
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX is reporting fraudulent accounts on my credit file I have never entered into a credit transaction with either person l. Therefore reporting these accounts as a tradeline is a violation of 15 USC 1692e the information furnished to my credit file is misleading it appears that I entered into a credit transaction with XXXX XXXX XXXX and XXXX XXXX XXXX. Also reporting these fraudulent tradelines to my credit file with extortionate intentions to blackmail, abuse, and harm me is a violation of 18 USC 894 lastly the Equifax, XXXX, XXXX is conspiring with XXXX XXXX XXXX and XXXX XXXX XXXX. See attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi again, I've sent multiple dispute requests to Trans Union to report accurate information on my consumer report according to the law. This has been going on for over 60 days. I am so stressed. I can't sleep, and I am mentally exhausted with how this is effecting my mental health and well being. 

TransUnion must stop breaking the following laws and remove the inaccurate bankruptcy reporting they have on my consumer report. 

Look at the letter I received from XXXX XXXX. I did not contact them but they wrote me a letter admitting they engaged with the data source and they did a complete investigation of the disputed item and they verified as accurate. Show me the dispute request from me? 

TransUnion claimed that the data was verified as accurate from XXXX XXXX. Ok, how can it be accurate when I have a notice from the Bankruptcy court that I have submitted twice to you saying they don't report to the credit bureaus or any other agencies. 

Also, look on my report, Trans union says that the source is the Bankruptcy court. 
This is inaccurate and must be removed. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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 : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

By law you must delete this from my consumer report
Product: Credit card

I received a letter in the mail from Spring Oaks Capital stating I have a balance of {$3900.00} and I did not know this credit card was opened up in my name years ago without my permission or acknowledgment
Product: Checking or savings account

I attempted to establish a new checking and savings account by depositing {$1000.00} into each account. However, my accounts were unexpectedly closed by the bank on grounds of alleged fraudulent activity, which I believe to be incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$450.00}, {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.
Product: Credit card or prepaid card

Barclays approved a fraudulent card to be opened in my name. Upon receiving this card, I immediately called and reported fraud. Barclays is continuing to fight me regarding this card, asking for payment, now adding late fees, and will not close and issue a letter of 'closed as fraud and zero balance owed ' like the other company. I have called SEVERAL times ( 20+ times, all in call history ). I have been sent to their Investigations Team 3 times ( supposedly ) with NO follow-up, proper investigation, or call as requested ( each time I'm told a manager would call to discuss within 24-48 hours and they do not ). I'm transferred from department to department. I have issued them the following : 1. Cover letter stating all the reasons for this card to be deemed fraud. 2. List of ways due-diligence was NOT done in investigating my application process, any of the times. 3. City Police - Report of Crime 4. Identity Theft Report - Federal Trade Commission Immediately after getting the card, I hired an Identity Theft Protection agency and my most recent call to Barclay, with my my rep, was on the phone with me for over 2 HOURS and they led us nowhere. They will not do the right thing here. I did not open this card, nor any other accounts they may have. And no one can seem to help when we call. 
XX/XX/20 I contacted a friend that is a police investigator and ask for advice. He said to contact the company that the purchases were make. I contacted XXXX. Apparently there were XXXX cards purchased and they verified that I never opened them nor collected the rewards from those ... it shows BARCLAY as the purchaser. 
This is FRAUD and I want justice. Please please please help!
Product: Vehicle loan or lease

First the vehicle was unlawfully repossessed because of the repossessors broke into a garage in order to do their job secondly the vehicle was auctioned at what appears to be about {$2000.00} to cover an {$18000.00} debt
Product: Mortgage

It has been since XXXX last year ( XX/XX/2021 ) that every time I make an additional payment toward my principal, Mr. Cooper ( formally Nationstar ) mortgage company applies part of that amount to my monthly payment without my permission, even though my monthly payment has already been taken care of and paid. They have not applied those amounts correctly for the past 7 months, and every month after I make that additional payment toward the principal, I have to reach out via email to have those amounts rectified and applied correctly. 
Attached is the email correspondence with the mortgage company and my mortgage statement showing how many times they have applied those amounts incorrectly and than had to reverse them to applied them correctly.
Product: Credit card

I called to verify transactions on XX/XX/year> from my phone number XXXX. 
The fraud operator did the opposite of my request, indicating that I had never opened the accounts and that all charges were fraudulent. I told them on the phone they were incorrect, however, they stated they already submitted the fraud report. 

This has disrupted my business and upset my vendors.
Product: Debt collection

On XX/XX/XXXX, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/XXXX, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts have been coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are part of Identity Theft, the accounts are not mine, I do not recognize them. Last month, sometime on XX/XX/XXXX, I received a collection letter from XXXX, XXXX XXXX XXXX, XXXX trying to collect on an alleged debt with MIDLAND CREDIT MANAGEMENT , INC that is also part of an issue with Identity Theft. I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue.
Product: Credit reporting or other personal consumer reports

As a consumer protected under the Fair Credit Reporting Act ( FCRA ), specifically under Section 15 USC 1681, to bring to your attention inaccuracies present in my credit report. Upon reviewing my credit report dated XX/XX/2024, I have identified several instances of inaccurate personal information that require immediate correction : Outdated and Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX, OH XXXX OAK XXXX XXXX XXXX XXXX XXXX, OH XXXX Additionally, the report includes outdated information such as old addresses, phone numbers, misspelled names and inaccurate personal information which is no longer relevant to my current financial standing. As per the FCRA, it is my right to ensure that the information contained within my credit report is accurate and up-to-date. Section 15 USC 1681 mandates that consumer reporting agencies, such as yours, maintain reasonable procedures to ensure maximum possible accuracy in the preparation of consumer reports.
Product: Credit reporting or other personal consumer reports

Follow-Up Dispute Verification - Failure to Comply with FCRA and this is the proof than show the violation Totally all law written to FCRA Section 611, FCDRA AND TILA, DELETE INMEDIATLY THE FOLLOWING ACCOUNT XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX While I appreciate your response indicating that the information has been verified, I believe there are still significant inaccuracies that require further investigation. 
Specifically, In reviewing the information provided, there are inconsistencies among the three credit bureaus regarding the reported balance, date of last activity, closed date, payment status and last payment. Furthermore, there are discrepancies in the reported payment history, which inaccurately reflects my payment behavior Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer & # 39 ; s dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies in my credit report. I request that you conduct a more thorough investigation into this matter, particularly considering the following points : 1. Inconsistencies : There are discrepancies among the three credit bureaus regarding this account.

2. Verification Issues : According to Section 609 ( a ) ( 1 ) ( A ) of the FCRA, you are required to verify accounts through original documentation. I request that you provide the supporting documentation you relied upon to verify this account.

3. Consumer Rights : Under Section 611 of the FCRA, if you can not provide adequate documentation to support the validity of this account, you must remove it from my credit report.

4. Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information.

I believe 100 % AND THE PROOF IS ATTTACH TO THIS COMPLAINT THAN the bureau has failed to comply with the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) in their investigation process.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been reporting incorrect standing on the account. This eventually led to a wrongful repossession, Ive been trying to find out further information about it and the account status but was told I do not have rights to these items as the co-owner. XXXX stated that the account has not been paid in months, yet it has and they were unable to provide all previous payments.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023, XX/XX/2023, XX/XX/2023 There are hard inquries on all three credit reports XXXX, XXXX, and experian my XXXX XXXX dropped from mid 700 's to low 500 's within a month and I sent letters-and spoke to representatives from all three credit reports that I did not authorize these hard inquires on my report and thus a police report was issued on XX/XX/2023 serieral number : XXXX XXXX XXXX XXXX : XXXX  XXXX XXXX California on XX/XX/2023, I spoke with XXXX, representative in the special department at XXXX, she stated she is unable to remove hard inquires from my credit report unless she has a police report, FTC letter, or other documents to provide assistance with the investigations Report mailed today, XX/XX/2023 WHAT DOES THE LAW SAY : If you notice hard pulls on your credit that you did not consent to, you can demand the creditor remove the inquiry. If they do not do this, you can sue under the Fair Credit Reporting Act ( FCRA ) Withholding Notices You're entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might occur when : I was not notified to these hard inquiries on my credit report a creditor fails to notify you when it supplies negative credit information to a credit reporting agency a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision based on your credit report a creditor fails to provide you with your credit score if it was used as part of any credit decision a creditor fails to notify you of your right to dispute inaccurate credit information a creditor fails to notify you of your right to obtain a free credit report or a creditor or " user of information '' refuses to identify the source of the credit information it obtained about you.
Product: Debt collection

I am writing to dispute the accuracy of information that's on my credit report. 

Capital One added a derogatory mark on my credit report via XXXX, upon further research, this account was transfer/sold and I am no longer responsible for the account, debtor creditor did not verify this collection, and there was no written form of communication, contract or signature for this accused debt at all, a bill without a signature does not validate the debt and anyone can send a bill and say its mine. According to FCRA Capital One has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding CFPB dispute : XXXX TransUnion closed my dispute because " our records show there are currently no delinquent accounts being reported on your TransUnion credit report '' HOWEVER, I included an attached letter stating that I got denied credit due to a serious delinquency on my report.

They obviously did not read the letter I attached and I'd like to re-open the complaint.
Product: Credit reporting or other personal consumer reports

under the doctrine of estoppel by silence, as referenced in XXXX XXXX XXXXXXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.
Product: Credit reporting or other personal consumer reports

I have received XXXX 's letter dated XX/XX/2024, in response to my request to remove the inaccurate information reported about my account. 
I am requesting XXXX specific items, which they have failed to provide in your responses to my letters dated XX/XX/2024, and XX/XX/2024 : 1. Proof of Notification with Tracking Number : Under 15 U.S. Code 1666b, which includes the required information under 15 USC 1637 ( b ), I am asking you to provide proof that the periodic statement was mailed or delivered to me no later than 21 days before the payment due date. I require the tracking number that confirms this information was mailed within the legally mandated timeline.

2. Proof of Notification Prior to Negative Reporting : Under 15 U.S. Code 1681s-2 ( a ) ( 7 ), I demand proof, including a tracking number, that a notification was sent to me 5 days before any negative information was reported to the credit bureaus, as required by law.