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

I opened my savings account in Bank of America since XXXX and I have a small amount of savings. I recently asked the Bank of America to set up an online banking account. Through that, I found out that somebody transferred {$1000.00} out of my account on XX/XX/XXXX, {$1000.00} on XX/XX/XXXX, and {$1000.00} on XX/XX/XXXX. They all have been transferred to XXXX XXXX Bank XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA. Then I called the Bank of America to make a claim. They put back {$1000.00} to my account to fix one transaction and they denied the other {$2000.00}. For the other two transactions, they mailed me a letter saying that I signed a contract agreeing to " report unauthorized transactions to the bank within 60 days of the date on the statement showing the fraudulent item ( s ) ''. I never signed any paper saying that. I feel that it's unfair for me to lose that money.

The Bank of America staff did not make clear to me when I opened my account. It was 27 years ago. I thought that my money would be safe and secure in the Bank of America. I wrote the bank an email about the claim and they did not reply to it.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal dispute of the negative accounts listed on my credit report. The presence of inaccurate, unauthorized, unverifiable, and potentially fraudulent items violates several federal and state laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ) .15 USC 1681e ( b ) ( FCRA ) - Ensures that all reported information is accurate. Any inaccuracies in reporting, such as an incorrect last reporting date or payment history violate this standard.15 USC 1681i : Unverifiable information must be corrected or deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I had been in talks, both over the phone and through email, with XXXX XXXX from Quicken Loans. XXXX pulled my credit without my permission or without permissible purpose. I spoke with several people in the chain of command and eventually I received an email stating that they did in fact pull my credit without permission or permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding Equifax. They are continuing to report an account as a Charge off. I have disputed this at least 6 times and have asked in writing to be provided with the accuracy of this account according to the laws and guidelines of the FRCA. They will not provide any proof of verification but continue their incorrect reporting. The company is XXXX XXXX. They have no information except a phone number to call and when I tried it says it's been disconnected. This account was originally thru XXXX XXXX. 
In XX/XX/XXXX I reported fraudulent charges made in this account, many in other countries or locations I had not been too. I worked with XXXX XXXX and continued to pay my charges off until the balance was XXXX. The last payment made was XX/XX/XXXX.  The account was closed. Both XXXX and XXXX   removed XXXX XXXX from my account as they were not the original creditor. XXXX XXXX is reporting the payments I made to XXXX XXXX, but begin reporting late from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX they reported my account current. I thought this meant that due to my dispute it would erase all late charges as the remaining amount left was due to fraudulent charges. This was not the case, they then reported it as a Charge off. They also reported that I had made a payment on XX/XX/XXXX. Again inaccurate. They have continued to report to Equifax since then that this is a charge off. Even though Equifax is aware of the situation they continue to report these inaccuracies and will not provide any proof, except to say they electronically verified, even though I asked for written proof that this is my debt, which they were unable to provide me with.
Product: Money transfer, virtual currency, or money service

i was using cash app and order a cash app card which they sent to me but refuse to activate and then reported to them that my account had been hacked and transactions attempted which i can not access the dates and amounts for because i had to close my cash app account because they took XXXX minutes after i reported it to say no fraud had occur.
Product: Debt collection

Checked my XXXX XXXX report and I saw a collection on my report ... their was is CBE GROUP ... .so I called and who are u u and why do you have this on my credit report ..i have never heard of u or Nor do I owe u money ... .the lady begin to say that I owe for a light bill fromXX/XX/19 toXX/XX/19 the bill occurred in XXXX Illinois and I told , her I have never been to XXXX nor lived there ... I  asked her to remove this fraugulant info off my credit report ... ..i, reported them to the police Dept ..these people are scammmers trying to get my info ... .they couldnt answer any questions they wanted to tell all the info and I respond if u have put something in my credit report then why would u need me to give up the answer ... .once again plz check into This company a They are fraud ... .my resolution is remove the negative and fraudulent info from my report ... these people, are breaking federal, laws ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

am writing to file a formal complaint against XXXX XXXX XXXX XXXX regarding their unauthorized and illegal reporting of my educational records, specifically the transaction history, to my consumer Credit Report. This action by XXXX, XXXX, AND XXXX is a clear violation of the Family Education Rights and Privacy Act ( FERPA ) of 1974. The Family Education Rights and Privacy Act ( FERPA ) safeguards educational records, encompassing a wide array of information, including but not limited to grades, transcripts, disciplinary records, and personally identifiable information ( PII ) directly linked to a student. Transaction history pertinent to educational loans or financial matters, although not explicitly outlined in FERPA, falls squarely within the realm of protected information due to its direct association with the educational journey and financial status of the student. As custodians of these records, XXXX, XXXX, AND XXXX are bound by FERPA regulations. However, they have egregiously disregarded these regulations by Furnishing/reporting transaction histories to consumer reports without obtaining my explicit consent, thereby breaching the privacy rights guaranteed under FERPA. Moreover, the Privacy Act of 1974 supplements FERPA by regulating the collection, use, and dissemination of personal information by federal agencies. This act establishes stringent measures to ensure confidentiality, accuracy, relevance, and proper use of personal information. NELNET/DEPARTMENT OF EDUCATION 's disclosure of my transaction history to consumer reporting agencies without my explicit consent constitutes a blatant violation not only of FERPA but also of the broader principles established under the Privacy Act of 1974. These actions compromise the confidentiality and privacy protections afforded to my educational records and personal information, resulting in tangible financial damages and emotional distress. Despite my attempts to rectify this matter directly with XXXX, XXXX, AND XXXX, their failure to acknowledge or resolve the issue necessitates the intervention of the Consumer Financial Protection Bureau. I am seeking accountability for Their actions. I kindly request that the CFPB investigate this matter thoroughly and take appropriate actions to rectify the violations committed by Removing All of the Information pertaining to financial transactions that associate with my Education that they furnished upon my report. Please do not hesitate to contact me for any further information or clarification needed to pursue this matter. Thank you for your attention to this urgent issue. I trust that the CFPB will take necessary steps to address this grievance and ensure justice is served.
Product: Credit reporting

Today ( XXXX/XXXX/XXXX ) I went online and received my free reports except from TransUnion. I was denied access as they said they already gave me a free report for this year. Not so. 

Since I have had disputes with them before ( XXXX ) due to their errors, I do not intend to waste time and incur expense by sending them certified mail for resolve every time they make a mistake this year. I have attached a screen print of their refusal to provide a free report which may require cropping by you as to not reveal my personal identification in the event that you publish this complaint for the benefit of the public.
Product: Credit reporting or other personal consumer reports

The mentioned credit reporting agency are in violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). The mentioned disputes were not thoroughly investigated resulting my credit report being inaccurate hindering credit worthiness
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX or XXXX reported in accurate information on my credit report if they cant provide validation of the information reported it must be deleted or updated to positive payment history. I have not supplied proof under doctrine of estoppel by silence, Engelhardt v.Gravens 281 SW 715,719, I presume that no proof of the alleged debt, therefore any such debt, in fact therefore exist as late payment status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness DEPTEDXXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$750.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy showing on my credit report, I contacted the Bankruptcy court clerk and their response was they don't report bankruptcies to credit reporting agencies or to any credit bureau therefore it is in error that it is showing on my credit report or it is a Lie! either way the credit reporting requirements do not comply with the FCRA XXXX XXXX XXXX XXXX. XXXX ) and the information must be deleted Immediately!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$610.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Father opened the account ending in XXXX and opened it without my knowledge or permission. I disputed the charge on my credit report and on XX/XX/2023 it was removed from XXXX and XXXX. Still showing up on new XXXX XXXXXXXX account
Product: Vehicle loan or lease

I purchased this vehicle from XXXX XXXX XXXX in XX/XX/XXXX. By XXXX XXXX, it was discovered that the vehicle had over {$8000.00} worth of pre-existing damage that I was unaware of at the time of purchase. This has placed an extreme and ongoing financial burden on me. 

This is the second vehicle financed through Westlake Financial for my husband and me, and unfortunately, both vehicles have proven to be defective, causing my family significant XXXX XXXXXXXX, and financial hardship. 

In addition, Westlake Financial has been repeatedly calling my job and my home, further compounding the stress and disruption in my life. Today, on XX/XX/XXXX, I received a call from a representative named XXXX. His behavior was unprofessional and insultinghe raised his voice and attempted to offer to compensate by moving a payment to the back of the loan. This was not only inappropriate but also dismissive of the fact that the vehicle has over {$8000.00} in damage and is not financially feasible for me to maintain. 

I have communicated multiple times with Westlake Financial, making it clear that I am unable to continue with this vehicle. The ongoing harassment through calls to my workplace and home is unacceptable and must cease immediately.
Product: Credit reporting or other personal consumer reports

" On XX/XX/year>, I filed a dispute with TransUnion. On XX/XX/year>, they responded claiming to have mailed investigation results, which I never received. They failed to provide : Required documentation proving how accounts were verified Names and contact information of verification sources Specific methods used for verification Copies of any communications with creditors TransUnion merely stated accounts were 'UPDATED ' or 'VERIFIED AS REPORTED ' without providing legally required documentation under FCRA 611. This response violates FCRA requirements for proper dispute investigation and documentation. 
Disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( 3 accounts ) I request : Complete verification documentation Names/contacts of verification sources Detailed investigation methods used Copies of all creditor communications ''
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 




XXXX XXXX Account number XXXX XX/XX/XXXX {$560.00} XXXX XXXX Account number XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX Account number XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX Account number XXXX XX/XX/XXXX {$2400.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Product: Debt collection

I have disputed this collection account before, and I asked Peter Roberts and  associates, inc. to provide me the original contract bearing my signature in order to validate this debt, all they have done is send me a letter by USPS telling me that the debt was verified with the original creditor. I think they shouldnt have a problem providing me the original contract that they claim I signed, they also included copies of what they used to validate this debt and according with the federal law and the FCRA, that is not enough to validate this debt. I want this debt validated the correct way, meaning that a contract was signed by me with either the service provider or with peter Roberts and associates, inc. obligating me to pay a debt that hasnt been validated. Delete and expunge all of the accounts that you have in your files and also remove them from the credit bureaus. As a consumer I have every right to ask for the original contract bearing my signature. Also the hospital where it says that this was done has shared health information with peter Roberts and associates, inc. and that is breaking the hipaa law.
Product: Debt collection

This debt is a bounced check with Bank of America. It is seven years old and I am wanting to know the statute of limitations for them to sell and ask for this debt of {$300.00} to be collected. Is it too old for me to respond to, did they sell it to a third party that is trying to ask for payment when it should be charged off permanently? 
What happens since my purse, social security card, birth certificate and passport and drivers license was stolen in 2014? How do I prevent myself from being stocked financially by a person knowing my personal information
Product: Debt collection

XXXX XXXX XXXX has wrongfully put my account to collections. Invoiced dated XX/XX/XXXX {$23.00} was paid in full XX/XX/XXXX conf # XXXX. A second identical bill was sent out dated XX/XX/XXXX at which upon receipt I called XXXX customer service to verify the bill. She concluded that my payment had been made but that THEY had never posted the payment. Transaction summary ID XXXX Batch XXXX. She said no further action was needed on my end. Now I come to find out on XX/XX/XXXX my account has been sent to collections and I was not aware of the XX/XX/XXXX dispute deadline since I only received notification via mail. This must be addressed immediately and my perfect credit be rectified. I have all the documents available to upload to prove process of payment. It includes account # s and personal info so per your statement above I will not include those documents in this message until contacted for further action.
Product: Debt collection

This is my second complaint against LAW OFFICES MBA XXXX XXXX XXXX, XXXX  XXXX XXXX, TX XXXX attempting to collect a Medical Debt not has been been validated but has sent my medical records from another 3rd party company XXXX XXXX XXXX which is a direct violation of HIPPA. I never signed a form giving permission for them to have access to my medical records and personal data. In the letter and PDF email they sent on page 3  shows my medical records and personal data. 
XX/XX/2021 : Personal and private email message from The Law Offices of Mitchell D. Bluhm and Associates enclosed.
Product: Credit reporting or other personal consumer reports

Equifax claims that they investigated the inquiries listed on my report and verified them as accurate but did not provide me with any evidence to prove their claims. This a violation of FCRA.

Equifax continue to report inquiries that are not correct. The inquiries listed below should be deleted. That are not authorized to have access to my consumer report. XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I have item on my credit that I have been disputing for over 2 years now. Ill dispute them and still see them on my history. Charge off and whatever companies are still trying to collect money when I keep telling them that the accounts are not mine. They even have me living in a State that I have never visited XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I have never lived at. I am frustrated and seem to not be getting any help to correct the situation.
Product: Checking or savings account

My chime checking account got ran for {$310.00} with a fraud fake XXXX account and I have proof its not legit and statements from my actual XXXX  that I only pay {$79.00} a month and chime keeps denied my request of a dispute.
Product: Credit reporting or other personal consumer reports

The response from the credit reporting agencies indicates that the accounts were verified and updated. However, my credit report continues to show several inaccuracies. 

According to 15 U.S.C 1681i ( XXXX ) regarding the XXXX of XXXX, I am entitled to a clear explanation of the verification process your agency utilized. I am requesting a comprehensive account of each step taken to confirm the accuracy of these disputed items. 

Even with these investigations, my credit report still displays errors. I request the immediate removal of these inaccuracies from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX, XXXX, MO, XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}
Product: Credit card or prepaid card

The XXXX website makes it appear that when you apply for their Credit Card you will get a {$200.00} discount immediately off the the ticket price from the flight. What it does not disclose in a transparent manner is that it is a statement credit. Based off the appearance of the information bellow the ticketing information it is deceiving to the consumer. This is very misleading.