23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft/fraud. I lost my bank card while on vacation in XXXX. I received a notice from bank of America, stating my account was overdrawn. I went in branch to investigate, and was advised there were fraudulent checks going through my account and XXXX was returned for forging signature. The account was closed and my cards shutdown. Even though they know my card was stolen, I was forced to pay the overdrawn amount which was {$9700.00}. Now, on my XXXX and XXXX systems credit file and report, its showing that I was committing checking account fraud. I contacted bank of America and ask that they update my account internally and with the credit/consumer reporting agencies. I was told I have to contact them personally. i have written multiple letters to XXXX XXXX and XXXX, providing proof that i did non of the transactions and I have no knowledge of if, I lost my card and this has been the pending result, they either send me back to bank of America or say the information is correct. either way I keep getting the runaround. I asked for details example the name of the person they spoke to while investigating, proof bearing my wet ink signature or any documents and up to this day, they have not provided me with anything. Under the FRCA I asked them to remove all unverified, derogatory information from my report being they can not provide any documented or verifiable proof, they have not done that either. Due to the derogatory, unverified information XXXX bank who was my main bank for over 10 years immediately closed all my accounts and ended all relations with me. Same thing happened with other banks I had accounts with. This derogatory information has been a huge burden on me and huge inconvenience with financial institutions. I was denied opening a new bank account because of this. I did everything they asked even paid the balance, I wrote, called, plead n begged. I'm at my last resort now, I'm tired of the back and fourth honestly. I feel like I have been getting computer generated replies, because its the same thing over and over. I'm kindly asking you to step in and help please. 
Any proof or additional information you need please don't hesitate to ask I'm a hard working honest young man, no arrest or criminal history. 
Thanks in advance XXXX Institutions are bank of america-checking account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX bank XXXX has broken so many federal laws. they cant close a account they didnt open. according to 18 USC 8 all debt belongs to the government. My name is in all caps which is a fictitious entity. Also they are impersonating a debt collector and a bank cant be a debt collector. I am the original creditor I extended my credit and a bank cant accept fiat currency as money .money is only good and silver. a finance charge is the sum of all charges so I dont owe anything. There is no such thing as a bill. They refuse to open back up my account and put my {$1000.00} back in there which breaks federal law. they cant give me back my {$500.00} I already gave them and they already got paid my using my SSN which is a credit card. Also they are calling me about a alleged debt which is a XXXX violation EACH. I will be sending a cease and desist and a affidavit to open back up my account. I also will be sending a bill of particulars {$1000.00} for each violation that was committed. Capital one already has lost a lawsuit and so many fraud things have been done to natural consumers. If they dont comply to federal law they will be taken to court.
Product: Money transfer, virtual currency, or money service

Someone logged into my Bank of America account and transferred funds via XXXX to two separate individuals. 

One amount was XXXX it occurred on XX/XX/XXXX The other another was {$1200.00} occurred on XX/XX/XXXX I have contacted Bank of America and explained I didnt authorize these funds. They said there is nothing they can do. 

I was also sent a check for work performed. The check cleared ( bank if America cleared it ). The amount of the check was {$6300.00}. Two days later it shows the funds as NSF and they charged me a fee and told me that because deposited the check it isnt fraud. How was i to know the check would bounce. Especially if I was saw that it was cleared. They are saying its not fraud and theres nothing they can do. 

I have filed a police report and an fbi report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the XXXX
Product: Credit reporting or other personal consumer reports

Cfpb complaint inaccurate information I am listing account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

This company is reporting inaccurate high credit amounts, Last reporting dates, Date last Active, and Date of last payment. In pursuant to 15 U.S.C. 1681 Congressional Findings, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX XXXX XXXX Acct # XXXX
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. These companies DO NOT have lawful authority to report these items as it's in VIOLATION of my privacy and these companies are required to have tax documents on file stating they charged items off with my WRITTEN consent. Please delete these items listed below IMMEDIATELY! 
NAMES, ADDRESSES, EMPLOYERS, COLLECTIONS, XXXX XXXX XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CLOSED ACCOUNTS, XXXX XXXX XXXX CHARGE OFFS XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX HARD INQUIRIES, XXXX XXXXXXXX XXXX XXXX XXXX |XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX | XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXXXXXX XXXX XXXX | XXXX XXXX XXXX XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX XXXX XXXX UCC 1-308
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting to the credit bureaus that i am 30 days late. The account is not late and the reporting needs to be corrected. Per the credit bureau the account is late for XX/XX/XXXX and XX/XX/XXXX. Per XXXX XXXX XXXX  records i have made payments before the 30 day mark. My account is due by the XXXX of each month 1 ) XX/XX/XXXX received {$1200.00} to satisfy XX/XX/XXXX payment 2 ) XX/XX/XXXX received {$1200.00} to satisfy XX/XX/XXXXpayment 3 ) XX/XX/XXXX received {$1200.00} to satisfy theXX/XX/XXXX payment 4 ) Not sure how XX/XX/XXXXcan be marked as late when the month of XX/XX/XXXX is not over yet My account is due on the XXXX of each month, as you can see we are not 30 days late, we are close to the 30 day mark, but it is not 30 days over. I am requesting that the credit bureaus be updated to reflect payment on time. My mother in law has directly paid the mortgage sinceXX/XX/XXXXand somewhere a payment was missed. In XXXX, i will be making a double payment to ensure that we are not so close to the 30 day mark.
Product: Debt collection

During cov19 I wrote despute letters to all 3 Credit bureaus For inaccurate accounts on my credit profile And they came back XXXX verified They did not show proof of how it was verified so I feel it doesnt meet the FCRA STANDARD I HAVE 5 accounts That are being reported inaccurate they will not remove them here are the names below Trindent assets management   acc # XXXX XXXX claims verified accurate but will not show proof as well as XXXX XXXX acc # XXXX XXXX XXXX XXXX  acc # XXXX  As all verified businesses are closed during COV19 Theres no way they were verified and they wont show proof These accounts should be removed ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items listed below.. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX LA XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TX XXXX XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00}
Product: Credit card

On XX/XX/XXXX, my Home Depot card was used fraudulently while I was several XXXX miles away in XXXX XXXX, GA. I was contacted by Citigroup about it, and informed them that I was not XXXX XXXX XXXX, and they began their fraud process. I have called in several times requesting they remove the charges while they are processing the fraud, and have several times been assured it would be removed in XXXX hours. It has now been almost 2 months. I am attaching receipts showing I was in XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/2023 I opened a checking account with Apple Bank and deposited {$250.00} cash. 

On XX/XX/2023 I deposited a check. 

On XX/XX/2023 I deposited {$400.00} cash. 

So the only check I deposited ( from Pennsylvania ) was on XX/XX/XXXX. Everything else cash. 

I went to make an online transfer of funds- and there is a hold on {$420.00}. I am unable to access {$420.00} of my money. 

There is NO REASON WHATSOEVER to put a hold on any of my funds. The check cleared a week ago, and everything else I deposited was cash. 

See attached .pdf file, showing my bank account when I log in to Apple Bank website.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Misused my report by not reporting to all XXXX bureaus the same missing information by law all information must be accurate picture is below showing inaccuracies I demand all late payments removed
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureau has made this process extremely difficult to remove these unauthorized inquiries from my report. I submitted an FTC report with my indetification and proof of address. 

I submitted the inquires that were fraudulent as well with dates. 
XXXXXXXX XXXX XXXXXX/XX/22 XXXXXXXX XXXX XXXX XXXXXX/XX/22 XXXX XXXX XXXX XXXXXX/XX/22 XXXX XXXX XX/XX/22 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a collections account was reported by XXXX XXXX XXXX XXXX for XXXX to the company of XXXX  XXXX. I was without insurance and going through a divorce with no job and this was difficult to pay off. I was able to pay it off in full on XX/XX/XXXX. 
My credit is now much higher with XXXX and XXXX  both higher than XXXX and allows me to begin building my credit profile and ultimately buy a home. 
Experian however refuses to remove this account. I have disputed this and been denied. I have contacted them on XX/XX/XXXX and the representative told me they would be keeping it on my account until XXXX as allowed by the law. I asked to speak to a Supervisor and they told me there was not one available. 
I have worked so hard to rebuild and taken the responsible steps of paying off my accounts. I have cleared every debt, paid off my student loans, and started on the path to rebuilding my credit and this one credit company refuses to allow me to move forward. I feel I have no recourse. 
Please, whoever reads this. Help me. 
I just want to get a house and give my now XXXX a home to grow the rest of his life in. In XXXX, when they have agreed they will remove it, he will be XXXX and moved out. 
This is an unfair burden placed on people trying to dig themselves out of a hole and as soon as they climb to the rim and see the light Experian kicks them back in stomps them in the face says live in there a few more years and fills that hole back up again.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : SANTANDER Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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

Equifax lowered my FICO score and they won't tell me why they lowered it and won't put it back to XXXX. I have done nothing wrong and nothing has changed in my credit history to require a lower score.
Product: Credit reporting or other personal consumer reports

I contacted TransUnion on a few occasions, with the last date of contact being XX/XX/XXXX. TransUnion does not have a dispute option online for inquiries, and you have to speak with a representative. Each time I asked about several inquiries on my credit report on XX/XX/XXXX, which I did not authorize. On XX/XX/XXXX, the representative informed me that she would make a note that I did not authorize the inquiry for the following companies, XXXX XXXX XXXX XX/XX/XXXX Location : XXXX XXXX XXXX, XXXX, NC XXXX, Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Location : XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX, XXXX, OH XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Location : XXXX XXXX XXXX XXXX, XXXX, TX XXXX, Phone ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Location : XXXX XXXX XXXX, XXXX XXXX, TX XXXX, Phone ( XXXX ) XXXX XXXX  XXXX XX/XX/XXXX Location:XXXX  XXXX XXXX, XXXX, RI XXXX, Phone ( XXXX ) XXXX However, I must file an FTC report and contact the individual companies. I do not understand why a dispute can be filed with other credit reporting bureaus to investigate the issue, and TransUnion will not investigate and remove unauthorized inquiries. I submitted a Fraud Alert. Nonetheless, TransUnion needs to do more than note the unauthorized inquiry and have it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not correct an erroneous credit reporting item from XXXX XXXX XXXX. I disputed the item with Experian against XXXX XXXX XXXX on XX/XX/2021. I have spoken with XXXX XXXX XXXX mortgage department XXXX1 times and every single time, I was assured that I was never late and the balance is XXXX. However, Experian refuses to correct the error. 
The wrongdoing has caused my score being dropped to XXXX, preventing me from getting any credit during this very challenging time.
Product: Credit card or prepaid card

My Citi dividend credit card has a merchant offer from XXXX ( {$10.00} cash back on purchase of {$20.00} at XXXX using app ). I used the card as directed on XXXX XXXX, but the {$10.00} back was not posted. I talked with Citi on XXXX XXXX and was told it might take 30 days to get the {$10.00} posted. I then talked again with Citi on XX/XX/XXXX ( XXXX days after the transaction ) and was told I didn't enroll the offer. 
Every time I am talking with Citi, they gave me different and sometimes ridiculous responses. I am attaching the screen shot showing I was enrolled for the offer and the transaction details, as well as the chat history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is using an INTIMIDATION tactic by placing this account on my credit reports, I do NOT have any signed contracts with XXXX XXXX OR their client. I do NOT owe {$750.00} and I do NOT have 1 month terms and I DID NOT open an account with my signature OR their client. XXXX does NOT have my signature at ALL This intimidation tactic is ILLEGAL and the last time I checked, they WERE NOT allowed to place anything on ANYBODY 'S credit report. This needs to be DELETED immediately before I file my lawsuit!
Product: Credit reporting or other personal consumer reports

I called the lender and requested that they remove the late payment due to XXXX from my credit report. My state had at the time shelter in place, at the time of the missed payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was incurred due to the coronavirus outbreak and I was able to make the past payments and had the account back on track.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX  XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXBalance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$580.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX  XXXX XXXX Balance : {$580.00} - tied up XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I was a customer of XXXX for a total of 23 years. I moved to a subdivision that doesn't allow a dish. I called XXXX to explain and they said I had to buy out my contract. Again I was with 23 years, I paid my contract. I talked to a manager and he would not drop the buy out. It has been two years and they keep turning it over to a collection agency and it is still affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my mortgage and second mortgage off in XX/XX/2022. I sent the payoff notice to the credit reporting agencies and there has been no update. Experian and XXXX returned the dispute as certified correct. Which is a violation of the FCRA and was in fact incorrect. The information has been submitted numerous times and no update.