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

Commencing on or about XX/XX/year>, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Fraudster ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the client losses to gains. It should be noted that the Fraudster, who is a client of Bank of America, registered as XXXX XXXX ( XXXX XXXX XXXX  / ACC.No : XXXX ) is committing financial crimes right under their nose, which involves, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred from my XXXX, XXXX XXXX XXXX and XXXX account in the total amount of XXXX AUD utilizing XXXX services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a bankruptcy on my public record according to Equifax, on XX/XX/2022 as I disputed this bankruptcy with Equifax, Equifax claimed to have verified this bankruptcy through XXXX. XXXX need to seed me a letter so I can send it to Equifax to prove its no bankruptcy on my file as of XX/XX/2022 Equifax verified this bankruptcy with XXXX I need proof that Equifax investigated this bankruptcy with XXXX on or around XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance witht the Fair Credit Reporting act XXXX XXXX Original creditor : XXXX XXXX XXXX, Account # 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.
Product: Debt collection

On XX/XX/2021 I learned that I was a victim of identity fraud after viewing my credit report on XXXX. I noticed I had an account in collections in the total dollar amount {$700.00} from CONVERGENT OUTSOURCING but the original creditor was XXXX XXXX XXXX. However, I have never had an account or contract with XXXX XXXX XXXX. So I went to the XXXX XXXX Police Department and filed a police report informing them that I had been a victim of identity fraud. Therefore, I am asking that this company remove this inaccurate information off of my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023.
Product: Mortgage

A new servicer took over our home loan recently and has started charging a service fee of {$15.00} for regular online payments using our bank account. Our previous servicer never charged us a fee to make regular online payments. I disputed the charge the first month over the phone and it was waived. I was able to make a payment online last month without a charge. This month the website indicated I would be charged {$15.00} to make the payment. I called on the phone and disputed this again. The said the lowest they could charge would be {$10.00}. I told them that if they insist on doing this, I will file a complaint with CFPB. I was forced to make the extra disputed {$10.00} charge to make sure the payment would be there on time within 4 days left in my grace period.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THESE ADDRESSES ON MY CREDIT REPORT. I NEVER LIVED AT THESE ADDRESSES. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE FROM MY CREDIT REPORT. THANK YOU
Product: Checking or savings account

Citibank sent a notice via USPS mail that after an internal review they are going to close my account. 

I called them to find out the reason why my checking and savings accounts are being closed. Unfortunately, no one was able to give me a straight answer. I called the branch and they asked me to call the customer service, who told me to call XXXX XXXX XXXX XXXX who first told me to call the customer service and then asked me to call/visit the branch. This completing a full circle of run around. 

During this entire process, none of the agents could tell me exactly why my bank accounts are being closed - I did not have a negative balance, no overdraft, no bounced checks, a 10+ year relationship and additional Citibank products in use as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has violated my rights by improperly reporting to my credit report by violating these laws 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Also States consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 ( i ) ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by aconsumer an item of the information is found to be inaccurate or incomplete or can not be verified, theconsumer reporting agency shall
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/year> Subject : Dispute of Civil Liability for Negligence ( Reference : XXXX XXXX ) I am writing to formally dispute the claim of civil liability for negligence referenced as XXXX XXXX. After careful consideration of the circumstances surrounding this matter, I believe that the claim is unfounded and merits further review. 

Ive disputed XXXX XXXX several times due to lack of clarification of the company and accuracy of the amount owed. I have not gotten any resolve. 

I would like to point out the following points that highlight my position : 1. I have no verified debt with XXXX XXXX 2. The amount owed is not accurate Given these circumstances, I respectfully request that you reconsider the claim of negligence. I am willing to discuss this matter further and provide any additional documentation needed to support my position. 

Please respond to this letter as soon as possible, so we can work towards a resolution. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding. 

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

Debt included in or discharged through Bankruptcy Chapter XXXX United States Bankruptcy Court - District of Kansas XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Case number XXXX Open Date XX/XX/2012 Last update XX/XX/XXXX XXXX XXXX XXXX Credit card   {$1500.00} I am no longer liable for this account.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX, XXXX XXXX XXXX and Multiple banks Account Opening Declined Due to XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am experiencing an ongoing issue with opening a savings account at XXXXXXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX. Despite having an excellent XXXX XXXX and strong consumer behavior, I have repeatedly been declined from opening an account and applying for credit. 

The reason cited for these denials is that XXXX can not validate my credit file, which prevents XXXXXXXX XXXX XXXX  XXXX XXXX, AND XXXX XXXX XXXX XXXX from proceeding with my account opening. I have previously contacted XXXX to resolve this issue, and they assured me that it was resolved within XXXX days. However, upon reapplying, I was met with the same denial for the same reason. 

I am submitting evidence of both instances where I attempted to open an account and was declined. This ongoing issue is causing significant harm to me as a consumer, as I am unable to access the credit I need for both personal and business endeavors. 

I kindly request that the CFPB hold XXXX and XXXX XXXX XXXX XXXX XXXXXXXX, AND XXXX XXXX XXXX XXXX accountable for this matter and assist in resolving it promptly. 

The inability to open a savings account and apply for credit due to Experians failure to validate my file constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ), as it unjustly hinders my access to financial services with a public institution. 

Thank you for your attention and assistance. 

Best regards, XXXX XXXX XXXX XXXX - XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX  and XXXX  need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information. You stated that you needed more information, however I have provided EVERY piece of information needed since XX/XX/2020, for almost 9 months now, and if you were not so behind and completed what you were supposed to, you would have that information on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXXXXXX -US DEPT ED 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 an account without my written instructions.
Product: Vehicle loan or lease

I paid off my my lincoln loan on XX/XX/XXXX ... I never received the the title only my refund check. They told me I had never updated my address even though I had in XXXX of XXXX when I moved, and had received my refund check, as well as had mail forwarding set up. Lincoln credit told me the title was mailed back to the Texas DMV ... but they never got it. I filed for a duplicate title which I had to pay for. However, even with sending the pay off letter I was denied twice stating there was still a lien on my vehicle. I have called twice and they say to follow up with my dmv. DMV says to talk to Lincoln Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to The three credit bureaus and the original creditors to try and fix this issue and I either get hung up on or flat-out ignored. XXXX XXXX told me they were going to correct it and made me wait 10 business days to see the change only to get nothing and be flat out IGNORED! I sent out letters to them to correct this issue and have not heard anything in response to my letters. This is a violation of my rights as a consumer and is gravely impacting me. I was never late on this account and need this error fixed IMMEDIATELY!
Product: Mortgage

I opened the Home Equity Line with Citibank because the my Citigold relation manager told me that there won't be any fee to close the account so it's good to open it as backup funding source. I trusted my Citigold relation manager and opened the equality line even I had no use to it. However, when I'm closing the account after many years to get refinance, I was charged {$320.00} to close the account. 

I tried to contact Citibank but I found that my old Citigold relation manager left the company and the new Citigold relationship manager does not reply Email. 

I tried to chat with the online support but they told me they do not service the Equity Line account. 

With so many attempt I could not reach anyone who can help at Citibank. And it becomes clear the Bank was not act in good faith when promoting the Equity Line product by providing false information.
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit. 

I feel i was negatively impacted by Experian hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 
But i don't see any details about your investigation. 
A fine will be applied soon if proper investigation is not applied too. 
Please provide details to investigation or delete accounts.
Product: Credit card or prepaid card

The company has reported me as deceased to the credit bureaus and I am unable to obtain credit. I have made several attempts to correct the inform and each attempt has been unsuccessful. I went into their store to provide identification as requested and my file remains incorrect. I was advised to take identification in a store to have the deceased notification removed from my file. That was done on XX/XX/20 when I spoke with a XX/XX/XXXX# XXXX at their XXXX, WI store and I was advised the three major bureaus would be notified within 30 days. I attempted to obtain a loan from XX/XX/XXXX 30 days later and was denied due to being reported as deceased. Please review my attached documents regarding my encounters with Kohls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested credit bureau m

ultiple times for bankruptcy validation from the court/original creditor under 15 USC 1692g Sec. 809 ( b ) of The Fair Debt Collection Practices Act ( FDCPA ). Debt validation is my federal right granted under the FDCPA.

They failed to verify the information from the court so they should remove it from my record. " The United States Bankruptcy Court does not report any information to the credit bureaus. The U.S. Bankruptcy Court is not responsible for verifying or validating information from consumers credit files. 

Please provide validation from the court or delete all the bankruptcies from my record. XXXX doesn't show any bankruptcies.
Product: Credit card or prepaid card

Hi! 
My name XXXX XXXX. 
Please take a look. 

I have a Discover credit card that I used to purchase items at XXXX XXXX. There were charges and returns and my balance should have been XXXX. However, Discover claimed that I owed over {$500.00}, which I didnt, and used a cashback bonus that I had in the amount of {$540.00} to cover that balance that I did not owe. 

In addition, I also had a credit from XXXX XXXX - a security dispute adjustment in the amount of {$910.00}, which Discover also took.

I have tried to resolve the dispute with Discover but was unsuccessful. 


In XX/XX/XXXX, I used my Discover credit card to pay for my orders at the XXXX XXXX and XXXX XXXX. I returned many of my orders. They didn't suit me. Refunds for purchases at XXXX XXXX ' store were made late. I spent a lot of my time and energy trying to get the store to fix this. It was eventually done. However, the Discover Fraud department created, for me, a report with a new balance of {$400.00}. Also, {$900.00} disappeared from my credit account. This  amount, by the XXXX XXXX store, was credited to my account. On XX/XX/XXXX, I had two payments of XXXX each. The things with this value were returned by me. In the report, credits are made on XXXX and XX/XX/XXXX. Then in the report for XX/XX/XXXX, XXXX - XXXX XXXX, XXXX there was a security dispute adjustment {$910.00} dated XX/XX/XXXX. In the report for XX/XX/XXXX - XXXX, the amount of {$910.00} again appeared in my statement as a charge. It was dated with XX/XX/XXXX. In the same statement on XX/XX/XXXX it was credited back as a security dispute adjustment. In my next statement, like a my credit, this amount does not appear. It was stolen from me. i also have a cashback bonus {$530.00}. This money Discover Credit department took from me as well. Many times they asked me to cover the balance, that was created by them, with my cashback bonus. After that I received a new statement with a new balance. 

I really need your help. 

My phone number is XXXX XXXX XXXX Thank you so much for attention. 

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

I submitting this complain myself because I was a victim of identity theft and some fraud accounts and inquiries are showing on my credit report that need to be removed. I submitted a letter and report to the credit people but they have not removed the accounts I requested its been more than 60 days
Product: Credit card or prepaid card

So I received a text message saying that it was from my back and they gave a number to call ( XXXX ) XXXX it said that it was the security company from my bank ( PNC ). The robot said that my card was locked so it asked for my 16 digit card number, the expiration date, the CVV number, it asked for my pin and my social security number as well. I gave all that out because it seemed like it was my bank in the text message but I ended the call once it asked for my birth date. I called my bank but they were unavailable to answer so I would have to wait for a working day to speak with someone. The number that texted was XXXX. 
This happened on XX/XX/2021 at XXXX.
Product: Credit reporting or other personal consumer reports

I made a purchase at XXXX XXXX of three hotspots for work purposes, made for my company and not for personal use. The bill that was sent to my office was received the day before payment was due ( after a total of 40 days ). My organization paid the bill in entirety upon receiving the statement ( which I have documented proof the day after it was due. XXXX subsequently noted in my personal credit this which lowered my credit score over XXXX points and refused to discuss the matter with me and simply transferred me without explanation or resolution. I appealed this through Experian and have not had a change within my personal credit score. My score was previously impeccable with a rating between XXXX and is now in the high XXXX 's. I have documentation of the billing, payment in full via receipts, and a letter for my organization explaining the entirety of the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states XXXX  reporting payment status as collection/charge-off, comments states payment after charge off/ purchased by another lender, Who was this??????. and date of last payment as unknown. Experian reporting as payment status as collection/ charge off, comments status purchased by another lender, Who was this?????????. and date of last payment was XX/XX/XXXX. XXXX  reporting payment status as collection/ charge-off, comments status consumer disputes, and date of last payment was XX/XX/XXXX and two-year payment history is reporting current history. Per your reporting different information between credit agencies, which makes this information invalid, which has caused denial of current and future funding, delete this account per violation. 

Per reporting, you claim this account was paid, by who? what payment type? and where is the original copy of the payment? In addition, if was sold to another lender, Who??????. how can and account be paid and sold to another lender at this same time????????? 

Please note, do not submit copies of credit card statements or payment history as proof, which is not valid proof and will not hold up in court. 

Per violation, you are reporting different information between credit agencies, which is hurting my financial situation and causing me pain and suffering. As a result, I will seek legal action for defamation and according to your reporting, it stats the debt is still showing unpaid, but sold to another lender, which has hurt my financial situation., which has caused denial for of current and future funding. In addition, if the account was paid and sold to another lender, then you have no legal right to still collect on this account, delete this account per violation. 

Please note, I have enclosed a screenshot of my current credit report as proof. Please review, as this a current and valid information.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS I HAVE BEEN CONTACTING YOU ALL ABOUT DOING investigations ON, THE COMPANIES FAILED TO SEND ME SIGNED DOCUMENTS OF THE DEBT THAT I DO NOT OWE, I recently WENT THROUGH identity THEFT AND BY LAW IF ANYTHING ON MY CREDIT REPORT IS WRONG MUST COME OFF. I SENT OUT THESE LETTERS IN DETAIL ON WHAT IS GOING ON. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


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

XX/XX/XXXX we planned a trip with XXXX in Florida. Charged on my AAA comenity card. I have had this card for almost 40 years and always pay it off in full every month. In XXXX we were notified the business was not in business. 3 other people going with us got their money back immediately when they notified their credit card companies. I called AAA and they said since I paid it off I couldn't get my money back and suggested I call the company. I called the number the AAA rep gave me, they said they did not receive money and we were not booked. AAA has refused to refund my money, told me not to pay my bill until this was cleared up and then charged me interest. AAA did not contact the company they paid. I have sent multiple letters to AAA asking for help and explaining I feel penalized for paying in full every month and asking for who they paid. The charges were XX/XX/XXXX for {$2700.00} and XX/XX/XXXX for {$5400.00}.