23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was charged from the XXXX XXXX FL on my Bank of America credit card from XX/XX/XXXX, including monthly charge while I was out of country till I came back on XX/XX/XXXX, total amount of {$410.00}. After I came back to the States, saw my bank statement, immediately I reported to BofA this fraud charges and changed my cc number. But BofA denial my dispute for unfair reason " while you personally didn't make the charge, we confirmed it was made by an authorized user on the account or someone who has permission to use the card. '' I asked BofA many times to send me proves but so far, no respond. 

I believe this is cyber fraud charges : First, I have never authorized XXXX to charge on my CC. 2nd there is no other authorized user on this cc card. 3rd no one has any permission to use this card. I tried to call the XXXX, 1st time they asked my name and the last four digits of my card, they couldn't find any of my information. 2nd time I called again, too weird that they had my name and the last four digits of my card number, but they don't have my email info, asked me write to their customer support. But the XXXX customer support replied : '' I need to dispute must have my financial insinuation call our Billing Dept. If you are requesting a file a dispute, we must have you and them on the line to discuss the account. '' but my CC co refused to do so. I even faxed over all the documents to BofA CC dept. proved that I was out of country in XXXX for over a year, never see my CC statements, didn't realized there were fraud charges on my card. BofA CC fraud department knows I was out of country, even stopped my CC, but after I called in few times to verified, the representatives never verified nor told me there were charges from the XXXX, and still allow charges went through on my CC every month. BofA CC should be responsible for this fraud charge and refund me total of {$410.00}, if BofA changed my CC number after they put stop on my cc for my protection, this fraud charges can be avoiding long ago. 

I tried to reach BofA manager or anyone I can file compliant, but no one is helping so far. The BofA should take seriously pay closely attention to protect customer who are oversea instead of just giving perfunctory reasons, doing nothing to protect customer who is using BofA card for over 20 years.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am writing to formally dispute the accuracy of the reporting associated with a charge-off account under my name, referenced as Account Number [ XXXX ]. This letter serves as a formal request for investigation under the Fair Credit Reporting Act ( FCRA ), specifically in accordance with 15 U.S.C. 1681s-2.

Under 15 U.S.C. 1681s-2, you, as the furnisher of information to credit reporting agencies, are legally obligated to report accurate information and to investigate disputes regarding the completeness or accuracy of reported information. Additionally, any information found to be inaccurate, incomplete, or unverifiable must be corrected or deleted promptly as required by the FCRA.

I respectfully request the following : 1. Documentation and verification of the account, including the original agreement or contract that substantiates this accounts existence and its reporting.

2. Immediate removal of any unverifiable or inaccurate information from my credit file in compliance with 15 U.S.C. 1681s-2.

3. A written response detailing the outcome of your investigation within the 30-day period required under the FCRA. 

In light of the legal precedent set in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  wish to emphasize the seriousness of this matter. However, I also recognize the importance of resolving disputes amicably and without unnecessary escalation. 
To this end, I am willing to explore a pre-arbitration settlement to resolve this matter promptly and avoid further dispute or potential legal proceedings. Please provide a point of contact to discuss settlement terms, which could include corrections to my credit report, financial adjustments, or any other mutually agreeable resolution. 
If you fail to comply with your obligations under the FCRA or refuse to engage in meaningful pre-arbitration discussions, I will escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Furthermore, I will initiate arbitration or pursue other legal remedies as necessary to protect my rights under federal law. 
I trust that you will take this opportunity to resolve the matter efficiently and without the need for further legal intervention. Thank you for your immediate attention, and I look forward to your timely response. 
Sincerely, [ XXXX XXXX XXXX XXXX XXXX Without Prejudice
Product: Credit reporting or other personal consumer reports

Previously, I attempted to contact the XXXX credit bureau agencies and company to fix this problem with no success. I asked them to produce proof of the investigation and was denied.
Product: Vehicle loan or lease

The car I purchased in XX/XX/XXXX2015 was forfeited by the City of XXXX after XX/XX/XXXX2019. The car was stolen and due to the condition of the vehicle reported as missing, vandalized, and damaged due to theft. 

The problem occurred once the vehicles tires were XXXX caused by an obstruction on the road. I have reported this to my insurance company and to other entities. Regardless of the policy, my car has full coverage. I dont regard NC State regulations in Maryland but I do understand my liability since I am no longer a resident in North Carolina.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes and even reached out to the CEO of XXXX XXXX XXXX regarding 2 accounts listed on my credit report. I was a victim of identity theft, filed a ftc identity theft report and faxed it to XXXX only ro be told the ftc report is invalid. XXXX refuses to tell me how the ftc report is invalid and refuses to remive the 2 accounts. I have sought legal help but also need these accounts remived because they are ruining my life and credit file. XXXX also are reporting the incorrect court for these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a ftc report fir identity theft and sent multiple dispute with debt proof its me all my credit on file is fraud i never git a chance to build credit no one is helping take i toff XXXX  experian and XXXX
Product: Mortgage

We were transferred to Mr. Cooper from our previous lender. It was extremely painful experience to pay off our loan with Mr. Cooper. 

After receiving the quote from them, we wired them the money in the amount of {$100000.00} on XX/XX/2021. We did not hear from them for many days. They did not tell us if they received it or not. When we called to ask for status, they said they did not received the money, and asked us to contact their research department to look for the money. We did as directed, but never heard anything back from the so-called research department. After waiting more weeks and calling them many more times, they finally said they received the money a long time ago but rejected it since they were missing some information. They did not bother to ask us for the information before rudely turned down our payoff money. 

Then after over a month of communication with this irresponsible lender, we had to go through the pay-off process again and lost several hundred dollars because of their irresponsibility. 

Finally on XX/XX/XXXX, we paid off our loan in the amount of {$100000.00}. There was an over-payment amount ( {$96.00} according to them ) and we assumed they would send that to us soon. 

They never did. So we called again to ask about it in early XXXX. They said they already sent us the money, and if we did not receive it, they would send it again. 

We waited another 10 days. No money was received. We called again. They said they did not send the money to us yet and they would do it soon. 

We waited more days. No money was received. We called again. They said they sent us the money a long time ago and the check was already deposited. Therefore, after all, they would not send us any money. They also claimed the signature on the check deposited was the same as what's on file from us. 

But we never received the check or deposited it. We then asked for a copy of their check sent to us, the bank name and account number the check was deposited into, and the picture of the signature. We were hoping to find some clue of who deposited our check. But reps from Mr. Cooper refused to provide any of that. They said if we wanted to find out where the money went, it's our job to file a police report, while Mr. Cooper is not responsible to provide any relevant information to us. 

They then ask us to contact their research department if we still want our money. We asked to speak to someone from that department. They said that department does not handle phone calls. We had to email them, which is the only way to contact them. They then gave me an email address. 

We emailed ( XXXX ) on XX/XX/XXXX. Now 10 days already passed. We heard nothing back from this research department. Not even a note acknowledging their receipt of our email inquiry. 

Up till now, 4 months after our payoff, we still don't have our overpayment refunded. And during this whole process, Mr. Cooper never reached out to us although they owe us money. They did nothing to help out the customer except keeping customer 's money to themselves. 

If you need reference, the last rep we talked to was XXXX, work ID XXXX.
Product: Credit reporting or other personal consumer reports

ON XX/XX/2023 there was a collection account put on my credit report. This account is fraud. I have never heard of this company before. 

The account in reference is : Account # XXXX. XXXX and XXXX, from originated creditor XXXX XXXX XXXX XXXX This company has a history of fraudulent claims. I am a victim of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I made a purchase in the amount of {$240.00} for some products I never revived when I filed a complaint with the company they refunded to refunded me the amount even after I made a police report and every other report that could be made. I was undable to do the dispute with my bank because the purchase was made off of the other company
Product: Credit card or prepaid card

I was advised on XX/XX/XXXX that an account was opened with the last 4 digits of XXXX with XXXX, netspend, or ace prepaid and there was a negative balance of XXXX on the account. When I entered my SSN into the system it was a new account made under my SSN but not my current name. I was told I had to pay off the negative balance before they would unfreeze my account verified account that I have had with Ace Elite since XXXX. I have not had access to my money that is directly deposited from my employer and has been since XXXX from the same employer. I have been without account access since Thursday and I need access to my account. Any account that were opened after XXXX with my former last name of XXXX are not me. I was married in XXXX of XXXX and have sent all the proper information to Ace when my name changed. The account ending in XXXX is not mine. I need my account under XXXX opened so I can have access to my money
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCHRONY BANK IS IN VIOLATION OF THE CREDIT REPORTING ACT 15 US CODE 1681b FOR UNLAWFULLY OBTAINING MY CREDIT REPORT SIZ ( 6 ) TIMES FROM XXXX XXXX REPORT DATED XX/XX/XXXX WITHOUT MY AUTHORIZATION AND PERMISSIBLE PURPOSE UNDER THE FCRA. 
SYNCB/CARE CREDIT XX/XX/XXXX SYNCB/TJX XXXX XXXX XXXX SYNCB/SYNCB XX/XX/XXXX SYNCB/BELK ( A CLOSED ACCT ) XX/XX/XXXX SYNCB/LOWES XX/XX/XXXX SYNCBCARE CREDIT XX/XX/XXXX I WROTE THEM A LETTER, DETAILING THE EVENTS AND THEY WROTE BACK ASKING FOR THE DETAILED EVENTS - SLOW WALKING THE PROCESS
Product: Debt collection

Currently, Online Information Services is attempting to collect a debt from me on the behalf of XXXX XXXX XXXX XXXXXXXX Illinois. XXXX XXXX, XXXX have disputed the debt on my behalf through the credit bureaus '. My dispute is based on the dollar amount of the debt being incorrect. This company won't acknowledge receipt of the dispute. They won't research the validity of the debt, nor will they communicate with me over the phone about the debt, claiming they need to speak to my legal team XXXX XXXX XXXX XXXX first. The refusal of communication from Online Information Services prohibits me from attempting to come to a resolution for the debt. However Online Information Services has responded to the dispute via the credit bureaus as the debt being accurate. I hired XXXX XXXX back in XXXX of XXXX to handle the dispute portion for collections on my behalf only. This information has been conveyed to XXXX, the Asst Manager with Online Information Services on XX/XX/XXXX. She still refused to communicate with me about a debt that they are claiming as mine. 

In XXXX of XXXX I spoke to a representative about this debt, but I don't think it was from this company. The representative ( whomever that was ) also refused to prove the validity on the amount of the debt. In the original dispute filed XXXX XXXX alleged on my behalf that the amount of the debt is invalid. Complaint : XXXX XXXX neglected to discontinue my service after I moved out of the home on XX/XX/XXXX. I reported my move out to XXXX XXXX XXXX in the week following XXXX of XXXX. Despite my attempt to discontinue services and finalize the account, XXXX  XXXX continued to provide services to the new tenant in my name until XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX is illegally reporting payment transactions on my XXXX credit report XXXX XXXX # XXXX Past due : 30 Days Date : XX/XX/year> XXXX Account # XXXX Past due : 60 Days Date : XX/XX/year> XXXX Account # XXXX Past due : 30 Days Date : XX/XX/year> XXXX Account # XXXX Past due : 60 Days Date : XX/XX/year> 2022
Product: Debt collection

XXXX called my place of employment a few weeks ago the receptionist has to come tell me I have a call in front of my clients and co workers and the caller states their name and states it is a personal matter. I have a XXXX XXXX and these calls threaten the integrity of my job to receive these calls at work. My vehicle was totaled by a hailstorm in XX/XX/XXXX. In XX/XX/XXXX Capital One was paid the value of my vehicle by my insurance company. Capital One has already hired a third party to collect the balance. The 1st call from XXXX to my job I specifically told the Rep the situation and demanded they not call me at work again. I received a 2nd call a week or so later and the receptionist let me know while I was facilitating group counseling that a Rep with XXXX XXXX XXXX   was calling onpernal matter. She saw the comp name on the caller ID so now my boss knows I am getting numerous calls at my job. We have never been allowed personal phone calls at my job. I work at a XXXX XXXX XXXX XXXX that is very busy. Today I received a 3rd call at my job after numerous request to never be called here again. XXXX called me today and I informed her I was filing a complaint on XXXX XXXX XXXX for violating debt collection laws 3 times.
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX XXXX XXXX Account Number : XXXX Bal : {$1500.00} 2. XXXX XXXX XXXX Account Number : XXXX Bal : {$79.00} 3. XXXX XXXX XXXX Account Number : XXXX Bal : {$54.00} 4. XXXX XXXX XXXX Account Number : XXXX Bal : {$200.00} 5. XXXX XXXX Account XXXX : XXXX Bal : {$150.00}
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on My Credit Report Urgent Correction Request I am writing to formally dispute inaccurate information reported on my credit file regarding the XXXX account ( Account # XXXX ). My credit report incorrectly reflects late payments, which is factually inaccurate and violates the Fair Credit Reporting Act ( FCRA ). 
Errors Identified : XXXX. My payment history incorrectly reports late payments for XXXX, XXXX and XXXX, despite the fact that all payments have been made on time. 
XXXX. The reported information contradicts records from the creditor, who has confirmed that there have been no late payments.

Legal Basis for Dispute : 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits the inclusion of obsolete or inaccurate information in credit reports.

15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to maintain maximum possible accuracy when reporting consumer credit information.

Given these inconsistencies and the attached evidence proving my payments have always been timely, I demand that TransUnion immediately correct these errors and update my payment history to reflect all months as " On Time '' where incorrect late payments have been reported.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Re : unverified accounts XXXX XXXXXXXX XXXX XXXXXXXX acct # XXXX please mail me a check in the amount of {$4000.00} Dear Consumer Relations at Experian, I have sent two previous letters to you, certified mail requesting that you remove inaccurate information from my file. Despite my request, you all have FAILED to provide me a copy of any ORIGINAL documentation ( a consumer contract with MY signature ON THE CONTRACT ) which is REQUIRED under Section 609 ( a ) ( 1 ) ( A ).

As per the FCRA, your failure to reinvestigate is an intentional and negligent FCRA violation.

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to properly investigate this account, Not only that, but you have also failed to provide, per my request, the method of verification as required under Section 611 ( a ) ( 7 ) and under 15usc1666 ( a ) proof I received each periodic statement required by section 1637 ( b ) of this title was mailed or deliver to me no later than 21 days before the payment due date. I am due {$1000.00} per violation : 15 U.S. Code 1666 ( a ) Time to make payments Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681b Permissible purpose of consumer reports 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 Within the next 14 days I am demanding the following : 1. modify the late payments XX/XX/XXXX and XX/XX/XXXX listed on this account as paid or XXXX XXXX a check mailed to the address above in the amount of {$4000.00} XXXX an updated copy of my consumer report mailed to me
Product: Vehicle loan or lease

They didnt nothing about it they told me to call XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i have been calling and sending in letters to the credit bureaus Transunion, XXXX, and XXXX. about wrongful information being reported on my credit report. some of these accounts are not mine and some of them are reporting wrong. the last time i have sent in letters is XX/XX/22 and still no response. I have tried calling but i feel im being ignored and this is causing a hardship on me and building my company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block these items which were fraudulent within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

privacy and confidentiality under 15 USC 1681.XXXX XXXX XXXX XXXX, has violated my rights. 
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 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 am writing to express concern regarding the recent dispute results that I have not received. I specifically requested, through both the CFPB portal that all dispute results from ( XXXXTransunion ) be provided electronically via portal. However, I have not received any electronic communication, and I do not know where my personal information has been sent if they sent out mail without confirmation with me. This failure to meet my request puts my sensitive information at risk, as it may have been mailed to an unknown or insecure location, potentially exposing me to identity theft. Under FCRA 1681i ( a ) ( 6 ) and FCRA 1681g ( a ) ( 3 ), I am entitled to receive dispute results securely and in the manner requested. I demand immediate confirmation of my results and that all future communication be provided through the CFPB portal and/or ( XXXXTransunion ) portal as originally requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are fraudulent on my accounts : XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXXXXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX