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

In three transactions over the past 4 weeks in paying from my intended USAA checking account to my USAA credit card, the balance was unintentionally payed from an external, closed account at another institution. The USAA mobile app allowed for both accounts to be named the same name, thereby making it unclear which account the credit card was being payed from and the wrong ( closed ) one was unintentionally selected. I determined, with USAA 's assistance, that I had unintentional and misleadingly payed from the wrong account ( which is closed and unavailable ). I asked for these payments to be canceled or reversed and for me to be allowed to immediately pay from the proper account. I was told this is not possible and that I would have to wait until the payments fail at some unknown, future date. I asked if I could pay proactively anyway, but was told this is not possible with the current system interfaces. Instead it became clear that instead I will receive multiples fees and potentially interest payments for these failed transactions whenever they occur. I have attempted to proactively pay and correct a situation that I was misguided into by the USAA app through improper design, but have not been allowed to do so. I spoke through online chat with an individual named XXXX XXXX at approximately XXXX central time on XX/XX/2021 regarding this issue without resolution. I was promptly hung up on without resolution when I raised my concerns regarding unfair practices associated with being charged fees when I am trying to proactively pay my account but can not due the bank 's system limitations.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of a debt reported by XXXX XXXX for {$16000.00} on my credit report. I am requesting your immediate intervention in this matter to investigate and remove the debt from my credit report as it is not mine. I have recently obtained a copy of my credit report from XXXX, Transunion, and XXXX, and I was surprised to find an entry for a debt from XXXX XXXX listed as outstanding. I have thoroughly reviewed my financial records and can affirm, without a doubt, that I have never had any business transactions or contractual obligations with XXXX XXXX. I understand that under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to ensure the accuracy and verifiability of the information they report. 

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has been established to enforce the provisions of the FCRA and protect consumers ' rights. In light of the above, I kindly request that you initiate an investigation into the following matters : Provide a detailed verification of the debt, including the original creditor, date of inception, and any supporting documentation that substantiates the legitimacy of the debt. Verify that XXXX XXXX has followed all required legal procedures in attempting to collect this alleged debt. Confirm that XXXX XXXX has complied with all relevant statutes of limitations pertaining to the collection of this debt. Provide evidence of any contractual agreement or documentation with my valid signature, binding me to this alleged debt. I would also like to inform you that the inclusion of this erroneous debt on my credit report has had a significantly negative impact on my creditworthiness and financial well-being. It has affected my ability to obtain credit, secure favorable interest rates, and may have implications for future employment opportunities. I believe it is paramount to rectify this issue promptly to mitigate any further harm caused by this false reporting. Should this dispute not be resolved in a timely manner or if the debt is not conclusively proven to be valid, I will be compelled to pursue legal action to protect my rights under the FCRA, including but not limited to filing a complaint with the CFPB, engaging legal counsel, and seeking appropriate remedies available under the law. 

I appreciate your immediate attention to this matter and request that you provide me with written or emailed confirmation of the receipt of this dispute within 7 days from the date of this complaint. Additionally, I kindly request that you keep me informed of the progress of your investigation and provide me with a detailed response within 15 business days. Thank you for your prompt assistance in this matter. I trust that the Consumer Financial Protection Bureau will act diligently and impartially to resolve this dispute and protect my consumer rights. I look forward to a favorable resolution and the removal of this incorrect debt from my credit report.
Product: Credit card

I am filing a complaint against Bank of America regarding XXXX credit card transactions I have disputed but have not received a response or resolution. I submitted a dispute letter via fax to the Credit Card Dispute Department on XX/XX/2024, detailing the issues with the following transactions : a canceled restaurant reservation charge, a canceled order that was shipped anyway, a defective product with difficulty returning, a returned product with no refund issued, and a product I never received and suspect was stolen. Unfortunately, Bank of America 's online dispute system did not allow me to initiate these disputes due to technical issues, so I resorted to submitting the dispute letter directly. Despite several days passing, I have yet to receive any acknowledgment or action from the bank. As a result, I am seeking assistance through the CFPB to ensure these disputes are addressed and that the appropriate credits are applied to my account.
Product: Debt collection

Company requested additional information because they cant find the account. The account number is XXXX Santander sold the repossessed vehicle for under market value ( {$3000.00} ) and inflated a demand for payment to {$13000.00}.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I will not tolerate your dismissal of my identity theft claim as an error or misrepresentation. Who gave you the authority to determine what constitutes a material fact? You are not a judge, a jury, or in any position to make such judgments! You have absolutely no right. 

The Federal Trade Commission ( FTC ) explicitly states that when you receive an FTC identity theft report filed with a law enforcement agency ( which is the FTC itself ), you are obligated to comply with the law. 

Consider this your final opportunity to handle my identity theft claim appropriately, or I will pursue legal action in a courtroom. You will be held accountable for the damage caused to my reputation, credit, and emotional well-being. The negligence concerning material facts will be evident, and you will be required to compensate me for your recklessness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX Inquiries : 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some accounts on my credit that are not mine. They are dropping my credit. They show me as an authorized user. I never authorized anyone to put me on their credit. I contacted the creditors and they stated that they will remove me but I have to dispute it with the Bureaus. XXXX  and Experian are just ignoring my disputes. It has been 62 days now and they refuse to remove this from my credit
Product: Money transfer, virtual currency, or money service

What happens was the a a person did fraud on me in XXXX and they ended up stealing {$1500.00} from me. I was extremely mad and sad because the at money was my financial aid money for me to pay my things for school. I went to Chase to see if they can help me with it and they said they couldnt do anything. I also filed a police report because the person at Chase said then they can give me back my money but they never did. I still havent gotten my money back.
Product: Checking or savings account

They forced a transaction from my debit to my credit for XXXX on XX/XX/XXXX which it said it was declined when I had the money in the account so when it declined I paid in cash thus charging me twice this is the 3rd time this has happened and I won both disputes and everytime I mention it they hang up the phone they are very unprofessional and never follow regulation e and Im ready to file a lawsuit against them if my money isnt returned in the next 72 hours I have bills to pay
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, XXXX XXXX  XXXX, XXXX XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello ive recently pulled my credit report and i notice alot of accounts was token out in my name ive reached out to transunion, XXXX, XXXX  and still there is no response from then my idenity was stolen when i was deployed in the XXXX XXXX and not happy about this at all im a getting a lawyer involved to sue for damages for inacuarte information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally submitted a dispute with XXXX based on an inaccurate balance in a credit report requested on XXXX XXXX XXXX (attached as XXXX Report XXXX XXXX. On page 49 of this report, my total balance for one of my student loans with XXXX was displaying as XXXX with a balance update date of XXXX. This amount was incorrect because I made a payment bringing my balance down on XXXX which was not being reflected by XXXX while it was being reflected by XXXX (proof of payment attached as XXXX Payment XXXX As of XXXX, my XXXX balance on this loan sequence became XXXX. I have a letter confirming this from XXXX (attached as XXXX XXXX XXXX Copy of XXXX letter.pdf). I filed a dispute Report XXXX with XXXX because of this discrepancy. Upon completion of the investigation, XXXX correctly updated the balance of the loan sequence to XXXX  on page 49 of my updated credit report (attached as XXXX Report XXXXXXXX). At the same time however, they added a comment on page 51 stating "Completed investigation of FCRA dispute - consumer disagrees." Based upon my Internet research, this appears to be a comment used when a customer disputes the reinvestigation of a dispute that is not in their outcome. This was never the case in this situation. As such, I believe the incorrect comment/compliance code was used in this situation and, unless correctly updated, is potentially disparaging of my character. On XXXX at approx. XXXX ET, I spoke via phone with XXXX from XXXX. During the call, XXXX  mentioned that the comment originated from XXXX  and there wasn't anything XXXX could do about it. He also mentioned that there is additional information in my credit report that I am unable to see as a consumer. I immediately followed up with XXXX XXXX and spoke with XXXX (employee ID XXXX at approx. XXXX ET. XXXX mentioned that she could not see any correspondence regarding my account since XXXX XXXX XXXX and that the last action on my account was the payment I made on XXXX XXXX XXXX. She mentioned that there was no record of submitting the comment/compliance code in question to XXXX She mentioned that there was nothing more XXXX XXXX could do and I would need to resolve this with XXXX I also inquired whether MOHELA would be able to assist as my account transferred on XXXX but I have been unable to reach MOHELA successfully due to systems not having my account information or excessive wait times to speak with a representative.
Product: Checking or savings account

I have been taking care of my mother 's finances for over 2 years now. As directed by her attorney we opened a high interest savings account at Capital One together as joint owners. The attorney had advised doing this in case of my mother 's passing I would still be able to direct the financial affairs and work her estate. 

My mother passed away XX/XX/year>. I am working on her closing financial matters and wanted to transfer some funds to checking to pay her bills and other financial matters. I did a transfer and was notified after the transfer ( pending ) that it was cancelled and her account restricted ( locked ). 

I called Capital One on XX/XX/year>, and after about XXXX minutes put on constant hold and directed to four different people that even though I am a joint account holder they would not remove the lock. I had to open a case file in which someone would reach out to get proof of death. No one has reached out. I also filed a complaint, and no one has reached out. They refused to let me talk to management. 

They are putting undue stress on me and the family especially when it is tough enough to deal with the death. As a joint owner we should not be going through this hassle! 

We are now scrambling to get funds available to help close my mother 's final obligations. According to the attorney we should have been all set with the planning done in advance ( advance health care directive, will, POA, joint account ownership ). Capital One feels otherwise and is purposely putting undue stress on the family at the time of her death.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MI Transunion To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : First Name : XXXX Middle Name : XXXX ; Last Name : XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX, MI XXXX Employer : State of Michigan Social Security Number XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my ( Bank statement, utility bill, ID ) for your verification. 

Best Regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 XXXX XXXXXXXX I went to XXXX  for a XXXX XXXX 

On XX/XX/2XXXX XXXX XXXXXXXX I was released. 

During that span, my ex girlfriend had my phone and proceeded to make unauthorized transactions totaling {$2200.00} using my XXXX XXXX and XXXX XXXX. 

I disputed these transactions and I presented proof that I was incarcerated during the time the transactions were made. I informed them Im pressing criminal charges on the person responsible. 

Found, XXXX denied my disputes. 

I believe they violated my rights under the electronic funds transfer act.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I requested deletions from each bureau, with no avail or remedy. 

I am writing to formally notify you that I have been a victim of identity theft, related to the widely publicized Equifax data breach. 


As such, I request your immediate assistance in addressing fraudulent activity associated with my credit report. 

Pursuant to 15 U.S.C. 1681c-2 ( a ), I request that you delete all inquiries, and any other fraudulent information resulting from this identity theft from my credit file. This includes, but is not limited to, the following accounts : Inquiries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax ) - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) To facilitate your investigation and processing of my request, I am providing the following documents : XXXX. A copy of a government-issued photo ID ( e.g., drivers license or passport ). 
XXXX. Proof of my current address ( e.g., utility bill or bank statement ). 
XXXX. A copy of the Federal Trade Commissions Identity Theft Report XXXX. Notarized verification of my identity and address. 

As required by the Fair Credit Reporting Act, you are obligated to respond to this request within XXXX business days of receiving all necessary documentation. I expect confirmation that the requested blocks and deletions have been completed and that my credit report has been corrected. 

Please send all correspondence regarding this matter to my address listed above or via email XXXX. 
Should you require additional information or clarification, do not hesitate to contact me directly. 

Thank you for your prompt attention to this urgent matter. I trust that you will act swiftly to protect my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed disputes onXX/XX/20,XX/XX/20, XX/XX/20, with XXXX  and on XX/XX/202 with XXXX  and TransUnion in regards to the inaccurate information being reported across all 3 beaus which have caused my scores to decrease for months. I've reported several times but the results were said to be accurate. some accounts were charged off on my credit report but yet it's was still being reported as open and past due. one account is XXXX  XXXX which is reported as past due for {$490.00} but it's in Collection. Another is for {$1000.00} with XXXX XXXX but had been charged off but was yet being reported as past due. another is XXXX XXXX reporting inaccurate info across 3 bureaus posting an {$470.00} account as in collection on one beau but reoprting the same account on other beaus as closed.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is not my account, I have submitted a Identity Theft dispute with the Federal Trade Commission in regards to this matter and I would all information that is being reported on this account be immediately deleted. 
The account opened on XX/XX/2023 it is now closed but still showing a XXXX $ balance. 
The Fair debt collection practices and fair credit reporting act states that the information reported on consumer must be accurate. The account opened XXXX 2023 This is not my account, I would like all information being reported from this ( Credit Collections ) account be deleted immediately, and a written notice of this information being deleted or I will be forced to sue for damages and negligent enablement.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block 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 Accounts : XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$5800.0XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$440.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.