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

In XX/XX/2020 I saw charges on my account that were unfamiliar, XXXX for about {$220.00}, and another for XXXX XXXX for just under {$10.00}. I called in to the fraud team at BOA and they were reviewing the account and verified they were ONLINE purchases, no chip used. At the same time they saw other suspicious charges out of Vermont I wasnt aware of they wrapped into the claim. 

A few days later I reported those other charges in Vermont were legitimate and I only needed to keep the XXXX and XXXX charges. They said they'll note the account, even though I asked to start a new claim with just those 2 charges. 

As I started to research, I contacted XXXX to engage them in the fraud purchase, and they referred me to XXXX police. I worked with them and it lead to the arrest of the person who purchased the ticket. They tracked the ticket and awaited the user to board and arrested them. I have previously sent this all to BOA. 

Several weeks ago after going back and forth nearly a DOZEN times and about 100+ hours of phone time, they denied it once again, and my final letter advising that 1. Chip was used, and 2. signature obtained. 

the case worker on the account only receives voicemails and i have left them the last 3 months to him XXXX XXXX XXXX, XXXX XXXX ). I have asked for proof of signature. When I call the actual fraud department, every time I speak to them they can clearly see the charges and they were online charges with NO CHIP USED. they also agree that they are fraud, however, when it goes to the investigative unit they deny the claim. 

The reason I am told they deny the claim is that they are still looking at it for all of the 8-10 original charges on the claim, vs just the 2 that I need in the claim.I know the other are mine and they have known that since day 2. 

I am entitled to be treated fairly. The people i am able to talk to all agree it is fraud and online purchases. I also have a police report I have given them that collaborates the investigation and arrest. For some reason it goes to people that wont talk to me and I can only receive letters from them and they do not return calls.
Product: Checking or savings account

I opened an account with Ally bank online. I sent {$400.00} to fund the account and they cashed the check and locked the account. I called the number they said to call and they switched my to the fraud department. I have tried to call for 3 days and have been on hold for 3 days. I have left 2 messages with no reply. I tried an online chat and they would not help me because my account was locked. You can not get a hold of anyone to fix the problem that there might be.
Product: Vehicle loan or lease

Before the pandemic, I paid a day or two ahead of time for a type of benefit that they didn't clearly explain and I accommodated that. 
It seems as though that when I paid it early, the creditor would process the payment late or have some excuse as to why the payment did not post in time to correct the issue. 

As a result, I have a late payment for this creditor on my credit report that says I was 30 days late on a payment. It is farthest from the truth.
Product: Debt collection

Today on XX/XX/2023 at around XXXXXXXX XXXX. PST, portfolio recovery debt collection called my husband and asked if it was me, to which he said no, and asked who is calling and they refused to tell him who it was calling. And told him that they were not identify themselves until he confirmed my date of birth. He thought it might be my doctor 's office so he confirmed my date of birth and afterwards they told him that they were portfolio recovery debt collection. He then immediately hung up. They are not allowed to call other people about my debt, and they are supposed to identify themselves especially when asked.
Product: Credit reporting or other personal consumer reports

I'm writing to formally contest inaccuracies found on my credit report. I have carefully reviewed the account details and found a number of serious errors. The potential consequences of these mistakes on my financial status and opportunities make them worrisome. 

These differences need to be fixed right away in order to guarantee that my credit profile is true and valid. I ask for a thorough inquiry into the disputed items and a prompt resolution in compliance with the Fair Credit Reporting Act ( FCRA ). 

I have included supporting documentation highlighting the differences for your review. Since it is essential to preserving my financial security, I appreciate your prompt attention to this problem.
Product: Debt collection

Hello, My name is XXXX XXXX, Consumer, who currently resides at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX which is in XXXX XXXX XXXX XXXX I am writing this complaint because Credit Credence Resource Management , LLC, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, and nonaffiliated third parties, have violated many Consumer Protection and XXXX and Privacy Laws. Credence Resource Management , LLC is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX, XXXX, severe financial distress, causing him to be unable to extend credit. This account needs to be deleted and permanently removed from the XXXX and XXXX credit file of XXXX XXXX, 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.

The items in dispute are as follows : The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of Identity theft. I found numerous accounts and inquiries on my credit report that wasn't opened by me. This has been hurting me as I am in the process of purchasing a home for my family. I also discovered that my information had been exposed in the XXXX data breach and i'll provide proof of that as well. Please remove these accounts & inquiries from my credit report and soon as possible. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$570.00} ; XXXX XXXX XXXX - XXXX {$220.00} ; XXXX XXXX XXXX XXXX XXXX - {$890.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX {$290.00} Inquiries ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

On my credit report there is a charged off XXXX  account with the account number XXXX. 
To : Credit Bureau Subject : Request for Verification Method and Documentation Under FCRA for Disputed XXXX  Account number XXXX  Dear Credit Bureau I am writing to formally request information regarding the verification process you used to determine that the disputed account on my credit report, which I assert is a result of identity theft, indeed belongs to me. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and request that you provide specific details of the verification process and documentation used to substantiate that this account is mine. 

To date, I have submitted a formal identity theft affidavit with my dispute, affirming that I did not open or authorize this account. Despite this, your response indicated that the item was verified as belonging to me. I am now requesting the following under my FCRA rights : Method of Verification : Please provide details on the specific method of verification you used, including any contacts made, the names of individuals consulted, dates, and times of communication, as well as any companies or entities involved in verifying this account. 

Documentation : I request copies of any documents or identification used to verify that this account belongs to me. This includes : Any signed applications or agreements associated with the account. 
Identification documents presented at the time of the account opening. 
Any correspondence from the entity claiming that this account is linked to my identity. 
Under the FCRA, specifically section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ), credit bureaus are required to " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate '' or delete the item from the file if it can not be verified. Your verification process must be thorough, particularly in cases of identity theft, and simply relying on automated systems such as e-OSCAR does not satisfy the reasonable investigation standard established by FCRA or case law ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX  ) ). 

If you are unable to provide documentation proving that I signed and authorized this account, I demand that this account be permanently removed from my credit report immediately. I expect a response within 30 days of receipt of this request.
Product: Money transfer, virtual currency, or money service

I purchased bitcoin ( {$500.00} ) on XX/XX/XXXX and sold it ( {$440.00} ) on XX/XX/XXXX. The funds did appear in my Wallet, but the funds never went back to my bank ( XXXX XXXX ). Coinbase Co. already had my bank and account number on file, so they should have been able to electronically move the money into my bank account. They make it almost impossible to get money back. Can you help? Thanks. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$14000.00} ), XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$7100.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$5500.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. THESE FRAUDULENT ACCOUNTS KEEP APPEARING ON MY CREDIT REPORT. THESE ARE NOT MY ACCOUNTS, PLEASE REMOVE THESE FRAUD ACOUNTS FROM MY CREDIT REPORT. OR I WILL BE SEEKING LEGAL ACTIONS.
Product: Credit reporting or other personal consumer reports

Please review the fraudulent and suspicious items on my credit report.
Product: Checking or savings account

The lawyers have illegally taken out and withdrew several funds from my account, several times in small and large amounts for the past 4 years, without any consent or evidence or explanation, I am a single mother who's account was was wrongfully invaded and stolen from, then my bank, wells Fargo, charged me amounts for the under fee charge after they are the cause to the amount being enough to cover bank monthly checking bank fees, and allowed several amounts to be taken out from me by several different lawyers that held me responsible for a man whom I am not even married to nor reside with that signed all past leases with them. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and several other problems I have received resulting from the bank and claimed lawyers, actions, without any consent or evidence against me, just names that they have entered to my Wells Fargo bank.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX   which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Checking or savings account

On XX/XX/2021, I had paid The XXXX XXXX {$360.00} for a hotel room in which Wells Fargo had placed a hold on my account and I had it cleared and saw the amount taken out of my bank account with no issues. to fast forward to today, XX/XX/2021, I saw that they had taken another {$160.00} from my bank account, causing my account to fall to XXXX when I called their banking center, their representative gave me an excuse that it wasn't their fault that it took over 7 days to process when the money was taken out of my account and refused to further assist me. now I'm in a deeper hole as they will charge multiple overdraft fees, bringing down my account further. I have turned to the CFPB for help because I know that Wells Fargo will not help me any further and I have lost all faith in them
Product: Debt collection

I have requested verification and validation of this debt and this company refuses to provide. I also disputed on my creditreport and this company never could answer my dispute. Now they have put this back on my creditreport under a different amount i do not owe.
Product: Bank account or service

On XXXX XXXX 2015 I went to Chase bank at XXXX XXXX XXXX XXXX, mi. I used the Chase ATM XXXX XXXX ). I deposited {$2400.00} into the ATM and an error appeared on the screen. A receipt was printed out stating " The ATM has experienced a problem. To confirm that your deposit was completed properly contact a Chase Representative or call us at XXXX. I called and gave them the information on the receipt and was told I 'd be credited the amount in 12 hours. I called the next day and I was told it should be credited by XXXX. No credit so I called the next morning and was told to wait 24 to 48 hours for the credit. Than Monday XXXX XXXX I called again and was told due to my account not being open that long it required further investigation to credit my account. I was told I should know something by Wednesday. By this time I had already returned to the bank only to see that the machine had been fixed and people were using it despite my problem still not being solved. I called Wednesday XXXX XXXX and was told the investigation found that there was no overage in the atm and that my claim was denied. I then told the rep that I have a receipt stating clearly that I made a deposit and that surveillance will show that I put cash into the ATM and that none of this makes any logical sense. I asked to speak to a manager or supervisor and he replied none are available but he can transfer me to a specialist. After speaking with the specialist who was very rude and carried a condescending tone. He told me I was not protected under the Regulation E act. I requested a manager and he then placed me on hold and said none are available and repeated there 's nothing they can do and do I have any more questions for him. I am very upset and feel unprotected as a consumer. I am a single mother I ca n't afford for my money just to be taking away from me.
Product: Credit reporting or other personal consumer reports

For the company to do what is fair and equitable to me as a consumer by deleting the items in the letter disputed.
Product: Credit reporting or other personal consumer reports

I request your assistance with the incorrect account being shown on my credit report. This situation has harmed my reputation, and I depend on your help. The improper management of my credit report has led to serious damage to my reputation. Please remove the incorrect details from my credit report promptly.
Product: Checking or savings account

That problen is small but the Bank Citizens is bed I try take XXXX the day thursday XX/XX/XXXX  but dont ' take XXXX for my Card enroled XXXX is Declaim I have plany many but for rezon the bank decline. I go to online see my acount online and see the bank aplide two time {$9.00} this thay I call a citizens Bank end try to Help and bank say we need to weigth 10 minutes I realy way 40 minuts and hand up the call no XXXX  the bank is incredible this happen 5 XXXX  we have same problem and today is the las day I call and hapend same I don't no wath I nedd to do Please Help me in this problem This is the XXXX  I call XXXX ( XXXX ) XXXX thank you.
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts to rectify this issue, including four prior attempts, these fraudulent items remain unresolved and continue to negatively impact my creditworthiness and financial stability. However, despite providing substantial evidence of the fraudulent nature of these items, the agencies have failed to take appropriate action to remove them from my credit file. 

The presence of these fraudulent items has resulted in significant personal and financial distress, including denial of credit opportunities, increased interest rates, and undue stress. It is imperative that the credit reporting agencies comply with their obligations under the FCRA to ensure the accuracy and integrity of my credit report. I respectfully request that you will help me to take immediate action to conduct a thorough investigation into the disputed fraudulent items on my credit file and promptly remove any items found to be fraudulent or unverifiable. Please help me remove these items immediately : XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$24000.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX Balance XXXX {$11000.00} XXXX XXXX  XXXX Balance : {$24000.00} XXXX XX/XX/year>.
Product: Credit card or prepaid card

Bank of America card was opened under my name at a different address and charged XXXX. I did not open the card and I do not live or have ever traveled to the area where the credit card was opened or used. I also have never lived in the address that it was opened. Received the credit card in the mail, which is how I noticed there was fraud occurring. The credit card I received was alaska air, so they have apparently opened many other credit cards under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has impacted my credit score by fraudulently reporting failure to pay ; I do not have an account with them.
Product: Debt collection

on XXXX XXXX, my mortgage was discharged but I am being threatened by said company that they want to keep charging me mortgage payments as well as threatening foreclosure. As a documents show my mortgage was released, discharged and reconveyed to the persons legally entitled to. Which is myself and my family. As a natural person, I am to fully enjoy my land without company data mortgage Inc dba Essex mortgage harassing me as they are a debt collector, and have no entitlement to my land. Company has violated FDCPA, with unfair practices titled 15 usc1692c, d, e, f.As documents show i have contacted Essex to cease and desist all communication and stop mailing, and calling, and they did not abide by FDCPA laws. I have a box full of mail from them stating they are debt collectors attempting to collect a debt. According to UCC 9-210 Request for accounting ; Request regarding list of collateral or statement of account. Individual request for accounting form B-210.

( 1 ) " Request '' means a record of a type described in paragraph ( 2 ), ( 3 ), or ( 4 ).

( 2 ) " Request for an accounting '' means a record authenticated by a debtor requesting that the recipient provide an accounting of the unpaid obligations secured by collateral and reasonably identifying the transaction or relationship that is the subject of the request.

( 3 ) " Request regarding a list of collateral '' means a record authenticated by a debtor requesting that the recipient approve or correct a list of what the debtor believes to be the collateral securing an obligation and reasonably identifying the transaction or relationship that is the subject of the request.

( 4 ) " Request regarding a statement of account '' means a record authenticated by a debtor requesting that the recipient approve or correct a statement indicating what the debtor believes to be the aggregate amount of unpaid obligations secured by collateral as of a specified date and reasonably identifying the transaction or relationship that is the subject of the request.

( b ) [ Duty to respond to requests. ] Subject to subsections ( c ), ( d ), ( e ), and ( f ), a secured party, other than a buyer of accounts, chattel paper, payment intangibles, or promissory notes or a consignor, shall comply with a request within 14 days after receipt : ( 1 ) in the case of a request for an accounting, by authenticating and sending to the debtor an accounting; and ( 2 ) in the case of a request regarding a list of collateral or a request regarding a statement of account, by authenticating and sending to the debtor an approval or correction.

Essex has not provided any of this information and strictly sent statements of account.
Product: Credit reporting or other personal consumer reports

Hi good evening! XXXX data breach going on with the 3 companies Experian equfax transunion a lot of these late payments and wrong information on my credit report is incorrect and need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act, XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX  account XXXX, XXXX XXXX XXXX account 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 an account without my written instructions.
Product: Credit card or prepaid card

I had a brain concussion I believe it was XX/XX/2020 so we had got a stimulus around than i had forgot XXXX per money for dependent dude to covid. So now that everyone asking me bout it no clue so I called da Irs they say i got it they put on my debit card I ask them which one they told me da numbers so i called the people who I got the card thru bout the card I actually have two accounts with them so I asked bout 1 account no problem I verified everything ok but when I tried my account da irs gave me da digit on they say that account doesn't match records which I answer proper questions so idk can u guys help