23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was recently the victim of a XXXX payment scam through my account at Bank of America and {$3400.00} was withdrawn from account using both XXXX and XXXX. I received an email spoofing XXXX about a recent purchase that I hadn't made. After calling the number on the email, and going through what seemed like normal security checks, " XXXX XXXX '', instructed me to download XXXX  app so they could assist in stopping the " hack on my phone '' and they prompted me to open my Bank of America and then the XXXX app. That's when money was being withdrawn and they were bouncing me back and forth between XXXX, XXXX and Bank of America accounts and honestly they got my head spinning. When I realized I was being scammed I tried to close apps but wasn't able to so I turned off my phone. I immediately called Bank of America and filed a fraud complaint. They just denied my complaint but stated that they would try to get my money back as a " courtesy ''. I have emails, texts and voicemail messages from the scammers that I'm more than happy to forward and discuss. 

I'm looking for help in getting my money back but also want people to know that Bank of America has done nothing to warn their customers about a very specific on going scam affecting their customers using their XXXX app.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for loan forgiveness in XXXX through Sallie Mae/Navient XXXX due to a total and permanent XXXX and had to jump through hoops for 8 years to make sure the total and permanent XXXX forgiveness went through. In XXXX I filed a XXXX form with my taxes after receiving a letter in the mail from Sallie Mae stating that my {$32000.00} worth of private loans had been removed off my credit and permanent record. Mind you each year from XXXX through XXXX I had to send in a copy of my taxes with all of my medical records and letters stating that I was indeed totally and permanently XXXX. I also contacted the Department of Education for the state of XXXX   who has also stated that the private loan for the above amount should have been permanently deleted from my credit and permanent record. I am contacting you because as of today XXXX XXXX The agency that collects debt ) claims that I still owe the amount even though I sent them a copy of my tax transcripts and a copy of the letter they sent me stating that the loan had been forgiven. This has been damaging my credit and has also caused lots of stress due to their incessant phone calls telling me I owe them money. I have called them several times since XX/XX/XXXX to try and get this resolved and they simply will not resolve it unless I pay the above listed amount, which I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

World Finance believes in treating all customers with respect and transparency from their commitment to comply with applocable federal, local, or laws. There's no World Finance Branch in any vicinity nearest the XXXX XXXX region for me to request those records from being lost in history. A loan was repaid on my car without being added to my credit.
Product: Credit reporting or other personal consumer reports

Jefferson Capital is inaccurately reporting a fraudulent account on my credit report from XXXX on XX/XX/XXXX. It appears the fraud account was opened in XX/XX/XXXX. I am asking for this account to be removed from my credit profile immediately and information regarding the account be provided to me.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

on XX/XX/year> I sent letters to companies listed within my credit report asking for simple information to be provided to me so that I can properly review the errors reporting within my credit report and they have failed to respond. I am now sending a second notice and would like this to be filed for my records.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681.

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have 3 Citibank Platinum AA credit cards for different purposes. One AA card ending in XXXX had a credit balance of {$350.00}. I requested it be transferred to a different card. This credit balance was subtracted and supposedly transferred on XX/XX/XXXX. However, this balance was NOT transferred to either card I have. It was simply subtracted so I no longer had a credit balance, so Citibank took the {$350.00}. I called five times over five weeks, and asked where the balance was. Each time, the rep said " oh that's strange '' and said " oh I found it it will be transferred within 2-3 business days ''. It has NEVER been transferred, and I am still missing the {$350.00} credit. So Citibank owes me {$350.00} that was subtracted ( they claim transferred, but it was not ) from the AA account ending in XXXX and they need to return this to me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692e - False or misleading representations XXXXXXXX  Account Number : XXXX Update to Open/Never late 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 


3. there is some inaccurate information reporting XXXX Account Number : XXXX Delete from my credit report. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not authorize these fraudulent inquiries to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I purchased my vehicle in XXXX of XXXX at {$21000.00}. To date my balance is {$19000.00}. I have deferred payments but of the XXXX or so payments made totalling almost {$30000.00} the balance is still excessively high. The vehicle is a XXXX XXXX the book value is {$11000.00}. I am paying more than the value of the car. I have tried refinancing and considering the age and balance on the car along I have been denied. I received a letter stating my final payment is estimated at {$11.00}, XXXX. With {$55.00} of that being fees. That's a new car. I see American Credit Acceptance is being sued for predatory lending and I feel I am victim. I need this reviewed
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I found out that I had a lot of information on my credit bureaus that wasnt mine such as collection accounts, inquiries and personal information. I found out that my information was mixed was mixed up with a different name than mine with addresses that I never lived at in Alaska, phone numbers that werent mine and several inquiries that werent mine and collection accounts. I have had most of the info removed off my XXXX report, I disputed with Equifax and they removed some personal info but not all of it, they didnt remove fraudulent accounts and or inquiries after the supervisor said they would if I added a fraud report to my bureau. I cant get online to redisoute with Equifax, it keeps saying the information Im entering to verify myself doesnt match their records thats because they might have some of the wrong info. XXXX Im having problems with the inquiries and again its impossibke to get ahold of any live representatives and or online with them. These issues have caused my scores to drop over 130 points in the past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

I am lodging a formal complaint against aldous and associates. This debt collection company has been reporting derogatory info on my 3 credit reports for a debt in the amount of {$110.00} which isnt mine. i have never recieved a dunning notice from this debt collector which gives me 30 days to dispute validity of debt. which is a violation of the fdcpa/fcra. debt collectors must send dunning notice to consumer before reporting. i have lived in XXXX XXXX  at the same address for over 17 years so theres no way i recieved anything from them, not even a phone call. i am in the process of purchasing my very first home and im being told by my realtor that this errounous account being on my credit reports is holding me back. i am requesting immediate deletion of this account from my credit reports. XXXX, and attorney general complaints will be filed next if account is deleted immediately
Product: Credit reporting or other personal consumer reports

There are multiple inquiries on my report I did not authorize I am requesting that the inquiries be blocked and deleted immediately! 
Enclosed is a copy of my Identity Theft Report supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 
Please investigate this matter and remove these inquiries ] as soon as possible I am requesting that the inquiries be blocked and deleted immedi
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the account from my file. 
XXXX XXXX XXXX Balance {$1300.00}
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/2024 Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment for XX/XX/2024 was made on time, which falls within XXXX XXXX  15-day grace period. Therefore, the account should not have been reported as 30 days late. 
Error caused by automatic payment system : I had set up an automatic payment for XX/XX/2024 through XXXX XXXX 's payment system. However, due to a system error, the payment was delayed and processed late. This was an error beyond my control, and I acted promptly to resolve the issue when notified. 
Evidence provided : I have attached my bank statements and the payment confirmation showing that the payment was made on time, confirming that I acted within the allowed time frame. Additionally, documentation from XXXX XXXX acknowledging the system error has been included. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

XXXX XXXX XXXX company is currently reporting a negative listing to the XXXXhree major credit bureaus ( XXXX, XXXX XXXX, and Equifax ) regardingt Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate.
Product: Money transfer, virtual currency, or money service

I would like to draw your attention to XX/XX/XXXX, XXXX I had sent my complaint letter to East West Bank , in which I clearly stated how this scam has affected me personally, psychologically and financially. 
I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. 
I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, East West Bank never acknowledge my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter. 
The attached document has all of the dates and amounts.
Product: Credit reporting or other personal consumer reports

I demand that these requests be removed as soon as possible and that my credit score be modified appropriately, as I did not give these companies permission to get my credit report. I also want a copy of my updated credit reportwhich shows these changessent to me as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hello, I am writing to dispute fraudulent information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to accurate reporting and the removal of any information resulting from identity theft or fraud. 

The following accounts have been fraudulently opened or contain information that is not attributable to me : XXXX XXXX XXXX XXXX - XXXX a. Issue : Fraudulent account not authorized by me. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX a. Issue : Fraudulent account not authorized by me. 

XXXX XXXX XXXX  XXXX XXXX XXXX a. Issue : Fraudulent account not authorized by me. 

XXXX. XXXX - XXXX a. Issue : Fraudulent account not authorized by me. 

XXXX. XXXX - XXXX a. Issue : Fraudulent account not authorized by me. 

XXXX. XXXX XXXX XXXX - XXXX a. Issue : Fraudulent account not authorized by me. 

I have attached the following supporting documents to substantiate my claim : A police report confirming the identity theft incident. 
A fraud affidavit detailing the unauthorized accounts. 

Additionally, under 15 U.S.C. 1681c-2, I formally request the removal of these fraudulent accounts from my credit report. This section of the FCRA ensures that credit reporting agencies must block information resulting from identity theft within XXXX business days of receiving sufficient proof, including : XXXX. Proof of identity. 
XXXX. A copy of the police report. 
XXXX. A detailed statement of the fraud. 

Attached to this dispute are : - A copy of my government-issued ID. 
- Proof of address. 
- A copy of the police report and fraud affidavit. 

I request the removal or blocking of these accounts as required by law. Please confirm receipt of this dispute and notify me of any action taken to resolve it. Should you need additional information, please contact me promptly. 

Thank you for your assistance in resolving this matter and ensuring compliance with the FCRA. 

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

My name XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY they are inaccurate. MY CURRENT EMPLOYMER is XXXX All other addresses are not accurate. I need my correct information updated.I have some addresses on my credit file that are not accurate. Please delete the following unknown addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX CT XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXXXXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX ( XXXX XXXX ) Account : XXXX ( XXXX XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : 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. 1681 C. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, 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 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX