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

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I have gotten suspicious activity in my BOA account saying about XXXX dollars in total was spent at XXXX XXXX according too my online banking. I called the bank told them it was not me with any of these purchases, they told me at the time nothing could have been done due to it had to see if it was going to be processed and if not it will revert back and if it did process we have to file a dispute. In that matter as I seen multiple purchases I automatically called for a new card ASAP. As this happened it took sometime for a refund or anything to be given. Recently XX/XX/XXXX I got a call from BOA about this dispute and I told the lady the exact story and all I know is yesterday I had money in my account for my sons birthday its his XXXX XXXXXXXX  birthday. BOA took out my money I had and more which made the account negative which later caused me not to be able to celebrate my sons birthday and the next day I got paid so my whole paycheck was gone because of the negative XXXX in my account so I had to recover that with my pay check which I was left with no matter at all. I have my rent and bills to pay. I spoke to Bank of America they said they are sorry for this and sorry for the woman I have spoken to on my investigation dispute and I spoke to a manager where he was trying his best to dispute and get my money back and he apologies but it was nothing he can do in the moment and I was left full out broke no money negative account. I have my sun birthday XX/XX/XXXX I have my rent due tomorrow and light bill phone bill and I have nothing. This is all off of someone who did not properly due their job which cause my account to go blank negative and I didnt even see my check I worked hard for because of the wrong perks on at Bank of America XXXX I really need my money I have my kids my place and I am doing this all on my own, this is not the first or second time I spoke to someone in BOa that doesnt do their job properly but this time it messed me up terribly and she made my account and all money Gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the bankruptcy listed on my credit report. I recently obtained a copy of my report and noticed that it contains inaccurate information regarding a bankruptcy filing. After reviewing my records, I have found errors related to this bankruptcy. I request that Transunion investigate this matter and provide verification of this bankruptcy, including the source of your information. If you can not verify the accuracy of this information, I request that you remove it immediately under the Fair Credit Reporting Act ( FCRA ). 
Additionally, I have contacted the court and they have informed me that they do not report bankruptcy filings to credit bureaus. Since the court is the original source of this information, I am requesting that you verify this bankruptcy directly with them. If you are unable to obtain direct verification, the bankruptcy should be removed from my report immediately.
Product: Mortgage

- Chase Mortgage did not notify that our mortgage was sold to another company. I was trying to make an online payment and there are no options for me to pay chase online. When my sister called, Chase told her that our mortgage was sold to another company but we never receive any letters in the mail or prior notification that this was happening. I don't want to be charged with any late fee as we are doing our best to settle payments.
Product: Debt collection

Requested a free copy of my credit report and found fraudulent and in correct information being reported on my credit report. I contacted XXXX on XX/XX/XXXX and had a fraud alert placed on my credit file and a freeze, did a thorough investigation of my credit file and learned that there were a account in collections from LockHart, Morris, & Montgo partial account number XXXX date open XXXX XXXX original creditor XXXX XXXX XXXX, collections address, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX, XXXX
Product: Credit card or prepaid card

I have been dealing with Capital One since XX/XX/XXXX when my account was hacked for XXXX. A new card was sent out to XXXX, New York after I informed Capital One that they should make no changes without notifying me. This happened 5 more times and I finally closed the account with a balance. I never had issues before with fraud and asked if it was an inside job. Later to find out on the news that an employee hacked several accounts. Capital One took over Walmart and now that card has been hacked and after talking on the phone with Capital Ones Fraud Department for over an hour last night XX/XX/XXXX this morning I get an alert that my new card will be sent to XXXX, New York. I have alerts on my credit reports and only experiencing this with Capital One.
Product: Debt collection

Midland credit management sued me for a debt I owed back in XXXX I believe it was from XXXXXX/XX/XXXX of the amount unknown. MCM filed a writ of garnishment towards my employer which I was never summoned in person neither was by mail. XX/XX/XXXX MCM started garnishing 25 % of my paycheck and Im afraid they will garnish from income tax
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement

a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date.

The items below should all be updated to paid as agreed on my consumer report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Experian Information Solutions XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Re : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern : I am writing to formally dispute inaccurate information of my credit report. This dispute is submitted under the Fair credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experians failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX. 
XXXX. Provide me with all documentation used to verify the accuracy of the disputed information XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX
Product: Debt collection

Subject : Complaint against XXXX XXXX for Deceptive Practices and Equiant Financial Services for Unfair Collection Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX for their deceptive practices during a timeshare presentation and subsequent failure to fulfill the promised services. Additionally, I wish to bring to your attention the unfair collection practices by Equiant Financial Services, which is related to XXXXXXXX XXXX 

On or about XX/XX/2023, my partner, XXXX, and I attended a timeshare presentation with XXXXXXXX XXXX Despite expressing our lack of interest, a sales representative persisted and introduced a senior representative. They presented an offer to acquire the full timeshare package for {$8000.00}, which included ownership, XXXX points, and access to offerings valued at {$120000.00} or more. Believing it to be a remarkable deal, we made a down payment, with the assurance of an owners meeting to explain usage and benefits. 

However, on approximately XX/XX/2023, during an owners update meeting, we discovered that none of the promises made during the presentation were accurate. We were informed that to receive what was initially promised, we would need to pay an additional {$60000.00}, and that none of the prior assurances were valid. Confronting the representative, they admitted to engaging in bait and switch tactics and refused to address the situation. 

Following this encounter, we lodged a formal complaint with XXXX XXXX, expecting a resolution. Unfortunately, they failed to provide any meaningful response or remedy to our concerns. 

We attempted further communication via phone calls, emails, and mailed letters, all of which remained unanswered. Additionally, upon reviewing my credit report on XX/XX/2023, I discovered a collection entry from Equiant Financial Services. When I contacted Equiant Financial Services at XXXX, I learned that it was related to XXXX XXXX. The representative transferred me to XXXX XXXX, where another representative claimed that XXXX had again denied receiving the recording. 

It is evident that both XXXXXXXX XXXX and Equiant Financial Services have engaged in unfair and deceptive practices, causing significant distress and financial harm. I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into both entities for their deceptive practices and unfair collection tactics. 

Enclosed with this letter are relevant documents, including emails, letters, records of phone conversations, and credit report details. 

I trust that the Consumer Financial Protection Bureau will take swift action to protect consumers from such unethical practices and hold XXXX XXXX and Equiant Financial Services accountable for their actions. 

Thank you for your attention to this matter, and I look forward to a just resolution. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

After noticing pooling of water in our front yard, on XX/XX/2022 we contacted XXXX XXXX XXXX to come out and diagnose the water pooling issue. They arrived on the morning of XX/XX/2022 and surveyed the issue. They created an estimate indicating that there was a leak on the pipe feeding water to the home. The original estimate included tunneling beneath the foundation slab with a XXXX XXXX  tunnel, chipping the slab to gain access to the leaking pipe, an engineering report .for a total cost of cost of {$6300.00} They requested a deposit prior to proceeding with the work. We gave them our Barclay 's credit card number and they charged {$1200.00} to begin the work. They had asked me to sign the original estimate, however, their computer tablet was not functioning, so we were unable to sign the estimate. 

They proceeded to dig the hole and reached the pipe that fed the house. It was found by the excavation crew that the leaking pipe was accessible without having to dig beneath the slab. so once they dug the hole of XXXX XXXX, there was no need to dig any further. They repaired the pipe and were ready to fill the hole. I inspected the job and noted that they did not chip the foundation slab. Before they filled the hole I mentioned to them that they should remove the fee associated with chipping the slab. I then reviewed their estimate and called the city of XXXX XXXX  to see if the repair would require an engineering report. The XXXX of XXXX 's permit desk stated that no engineering report was needed. I contacted XXXX XXXX plumbing to tell them to deduct the chipping of the slab and remove the charge for the engineering report. They told me that they would do so. Next I got a call from XXXX XXXX 's accounts receivable department and they told me that they needed to get a final payment for the repair. I told them that I needed a final invoice to verify that the line items had been removed. They then told me that if payment was not made that they could put a lien on the home. 

I told them that I also wanted them to adjust the charge for the size of the tunneling hole because it was not XXXX ft as quoted in the estimate, but rather XXXX ft. Instead of sending me a final invoice, XXXX XXXX proceeded to charge my credit card. After they charged my card account, then they sent me the final invoice. 

At no time did I EVER sign any invoice or charge slip from XXXX XXXX. I specifically told them NOT to charge my card until I had approved the final invoice. I had not signed ANY document from this company neither the estimate, nor the final invoice. After confronting them, it was clear that they had significantly overcharged me for the repair. 

Subsequently, I another plumber come out for a similar type of repair and I asked him to provide me with an estimate for the same repair that XXXX XXXX had performed. This plumber quoted this same repair to be {$1800.00}. 

Several times I contacted XXXX XXXX to discuss the matter, however. they refused to engage me on the issue even though they charged my card account without authorization or a signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy on my credit report from XX/XX/2016 and this bankruptcy is being reported inaccurate in every way. I disputed this bankruptcy and some how it came back verified, there are so many inaccuracies with this bankruptcy, the first thing that is being reported inaccurate is the name of the court where the bankruptcy was filed, the name on the bankruptcy being reported by XXXX  is being reported as MA FED COURT-XXXX, this is inaccurate because I did not file for bankruptcy in a federal court, the bankruptcy should be reporting as US BANKRUPTCY CT XXXX MA, Equifax is reporting it as US DIST CT, and XXXX is reporting it as US BANKRUPTCY COURT, by law the credit reporting agencies must report all of the information on a credit report 100 % accurate without any mistakes. The credit bureaus are also telling me that this bankruptcy has been verified by the court and that is a lie because I contacted the court that is listed as the data furnisher and they told me that the court cant and will never share bankruptcy information with the credit bureaus, so if this is the case then these people are breaking the law. By the fair credit reporting act, credit bureaus cant report inaccurate information on a consumers credit report, and this bankruptcy is not 100 % accurate.
Product: Debt collection

I've sent several letters requesting a contract with my signature to prove this debt is mine. I have received nothing from them. I have also requested that they stop reporting monthly to the credit bureaus that this account is in collections. They are reporting collections as payment history which is negatively affecting my credit rating. Per the Fair Credit Act, this is illegal and not allowed.
Product: Credit reporting or other personal consumer reports

Please see attached documentation pertaining the XXXX data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion Fraud Victim Assistance Department XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Reports # : XXXX, XXXX Dear Transunion Dispute Resolution Team, I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the XXXX data breach. I have included a copy of my Identity Theft Reports ( XXXX, XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 

The details of the fraudulent accounts are as follows : XXXX 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 In accordance with 15 USC 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o Violation of 15 U.S. Code 1681n ( b ) ( Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b ) Violations under 15 U.S. Code 1681c Violation of 15 U.S. Code 1681a ( 4 ) ( Right to privacy ) Under 15 U.S.C. 1681 ii ( 7 ) ( Method of verification ) Thank you for your urgent attention to this critical matter. 

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

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor Inaccurate Name : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX APT XXXX XXXX, XXXX XXXX Charge Off XXXXP OF EDUC XXXX {$3600.00} Date Open : XX/XX/XXXX DP OF EDUC XXXX {$3100.00} Date Open : XX/XX/XXXX XXXX XXXX {$0.00} XXXX Open : XX/XX/XXXX DP OF EDUC XXXX {$2100.00} Date Open : XX/XX/XXXX DP OF EDUC XXXX {$2600.00} Date Open : XX/XX/XXXX DP OF EDUC XXXX {$5500.00} Date Open : XX/XX/XXXX DP OF EDUC XXXX {$3400.00} Date Open : XX/XX/XXXX DP OF EDUC XXXX {$1300.00} Date Open : XX/XX/XXXX DP OF EDUC XXXX {$3600.00} Date Open : XX/XX/XXXX DP OF EDUC XXXX {$4500.00} Date Open : XX/XX/XXXX DP OF EDUC XXXX {$3400.00} Date Open : XX/XX/XXXX XXXX XXXX Open : XX/XX/XXXX DP OF EDUC XXXX {$3800.00} Date Open : XX/XX/XXXX DP OF EDUC XXXX {$2200.00} Date Open : XX/XX/XXXX XXXX XXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXX {$0.00} Date XXXX : XX/XX/XXXX XXXX XXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Date Open : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$410.00} Date Open : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$680.00} Date Open : XX/XX/XXXX ( Original Creditor : ) XXXX {$600.00} Date Open : XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union is reporting a debt that I do not owe. This debt has not been validated as mine. 

Lender Name : Collection Amount : {$4500.00} I have tried to dispute on several occasions.
Product: Debt collection

First I tried to setup payment arrangements and was told to send in pay stubs and that once I send those in they would setup payments. Well when I tried to setup payments they said they had denied the payment agreement and they would send me something in the mail about the denial. I never did receive it but then they started garnishing my check very shortly after. I then contacted them and stated that I never received anything in the mail and I tried to setup arrangements so why are they garnishing me and all they said was we denied the payment arrangement. I then paid the debt off so that they would not continue to garnish me and I asked them to send me details on who and what the debt was for. I was told they would mail something out. I waited a week and requested again and was told they are waiting for person to send it out. I waited 2 more weeks and requested again and was told they are still waiting. I asked them to email me and they stated they would jot do that. I let them know they are required to send this information to me and that I would be contacting you all of I do not receive the information and it has now been another 2 weeks and I still have not heard from them or received anything in the mail. Now I am contacting you all for assistance with this. If you can please help me get this information.
Product: Credit card

CapitalOne Acct # XXXXHas caused me a lot of stress because of what they are reporting on my XXXX credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus and XXXX are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) the banking system is dependent upon fair and accurate credit!! Even the Debt collector is reporting inaccurate information on my profile!! XXXX never informed me what's going on in writing to get the issues resolved, per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me many problems, I can't get good rates on insurance or credit or a loan!!!