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

On XX/XX/19 I was at a restaurant in XXXX with a co-worker. We were given a bill of XXXX XXXX ( approximately {$45.00} USD ). We decided to split the bill between the two of us and we gave the waitress both of our cards with instructions to split the bill in half and charge each card appropriately. As soon as she swiped our cards, both of our phones alerted us to a possible fraudulent charge via our mobile banking apps. As soon as I received this alert, the app asked me if this charge was legitimate. I pressed " NO '', which I assumed declined the charge. 

The waitress than came back with my Bank of America card and a receipt that showed a charge of XXXX XXXX ( approximately {$490.00} USD ). I refused to sign the credit card receipt and informed her I understood this to be a scam. I then paid her {$60.00} for the bill in US currency and left the restaurant. 

My co-worker 's XXXX XXXX app also alerted him to a potential fraudulent charge and he was not charged by XXXX. 

I followed up with Bank of America the next day and confirmed it was a fraudulent charge. They canceled my card and sent me a new one. 

On XX/XX/19 I was contacted by Bank of America and told that because it as a " verified chip transaction '' they were probably going to decline my fraud dispute and charge my card the {$490.00} that was fraudulently charged. I again explained the events to the transaction to the Bank of America agent I spoke to agreed it sounds like a legitimate fraud claim. 

The next day, XX/XX/19 I received a letter from Bank of America verifying they did in fact decline the fraud claim and charged my account the amount of {$490.00}. The letter states that I either signed the receipt or supplied my pin at the time of the transaction. In fact I did not sign a receipt or supply a pin number. 

I contacted Bank of America regarding the decision and was told they would forward my case to the billing dispute department. In my opinion, and the opinion of the Bank of America agent I spoke with, this is a clear case of fraud but they refuse to acknowledge.
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. 

Account name 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  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 appreciate your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$9500.00} ; XXXX XXXX XXXX : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several request to the named companies as well as the credit reporting agencies to advise them that I DID NOT AUTHORIZE the inquiries on my credit file. They still remain on my credit file and all credit reporting agencies have failed REPEATEDLY to provide me with documentation to show where I authorized such. They will not be able to do so, because I only authorized XXXX XXXX XXXX to pull my credit file. Both the dealership and the salesman have advised me that they only submitted an application through XXXX XXXX XXXX.
Product: Credit card

I've never let this account 's payments become overdue, so I'm unsure why there are late payment marks. According to 15 USC 1666b, billing errors should be rectified.
Product: Mortgage

We were deliberately misled by US Bank about the amount of time required to fund this loan. The loan originator -- despite his failure to " recall '' this -- told us that the loan process would be completed within 30 days. We scheduled a real estate closing and renovation start based on his misrepresentation. The loan process was initiated on XXXX XXXX, 2016. It is XXXX XXXX, 2016 and there still is no word from US Bank on whether the loan has been finally approved.
Product: Credit reporting or other personal consumer reports

There are XXXX hard inquiries from a capital one company that I did not know of or authorized I want these removed immediately I did not apply for these personal or give anyone my personal information for this to be done. I submitted a report to identitytheft.gov that I will attach below along with the XXXX unauthorized capital one inquiries Hard Inquiries Capital 1XXXX XX/XX/XXXX Capital 1XXXX XX/XX/XXXX Capital 1XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Money transfer, virtual currency, or money service

This afternoon I went to the Bank of America, located on XXXX XXXX  XXXX XXXX in XXXX, GA. I dealt with a XXXX XXXX. When I walked into the branch, this woman said nothing to me and did not acknowledge me at all. I got in line. I was in line for roughly about 5-7 minutes, before she approached me, asking what I needed. I told her I was cashing a check. She asked me if I was an account holder. I told her no. She asked me to get out of line, even though that I had one person in front of me, and sit in their lobby area because they needed to verify checks. They serve everyone that are account holders FIRST and they they go to the non-account holders. That is a very discriminatory practice. I was there to cash a XXXX check that was issued to me by XXXX XXXX XXXX XXXX, because of a dispute that I initiated because my XXXX year old was scammed on XXXX XXXX. She didn't acknowledge me when I first walked in and then I have to wait, when I could have been one of the first people over there. I asked for her business card and her supervisors information. I left out and then I came back in and asked to speak with XXXX. She wasn't there but someone called her at another location. She was supposedly with another customer. I sent her 2 emails and she has yet to respond to me at all yet. So I decided to file a complaint and my cousin who is a XXXX XXXX is going to advise me on whether I have a legal claim or not against Bank of America. 

My mother says at the location that she banks at doesn't do this. My cousin who banks with them states that they don't do this either. I am not happy about this at all. 

I ended up not cashing the check. I will be depositing it at my bank instead.
Product: Credit reporting or other personal consumer reports

Experian willfully fail to comply with FCRA .I would like to know how did you verify the information Experian did not do an accurate investigation in providing the factual details to my dispute. Iam distressed that you have included these accounts with inaccurate information for all the accounts listed I would respectfully request you to provide proof of the alleged items specifically the contracts bearing my signature and address. If you can not provide the contracts the items must be deleted asap .these are the following accounts XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX. XXXX acct # XXXX XXXX  acct # XXXX XXXX acct XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX acct # XXXX If you continue to violate the FCRA laws you will be held liable for actual damages and attorney fees. The address on the contracts must reflect all the address you publish on my r credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and the aftermath of this tragedy is that I'm suffering from accounts being reported inwhich I do not have any contract with nor any other knowledge of. I'm asking for the three major credit bureaus to remove these unauthorized fraudulent accounts. ( 1 ) XXXX XXXX XXXX {$17000.00}, {$16000.00}, ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX {$270.00} I'm demanding that these accounts be blocked from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Re : Regional Acceptance Co acct. # XXXX Dear Regional Acceptance Co , I've been a customer of yours for years now, and recently when reviewing my credit reports I noticed late payments from back in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX. I have always paid my bills on time, for as long as I can remember. I really believe that these payments must have been due to an error of some kind, such as an issue with the mail or something similar. If you'll review my account history, you will see that I have never been late aside from these instances. My credit is important to me and my relationship with your company is also important. I've been a happy customer for many years, and would like to remain one for many more. Based on our good relationship, I'm asking you to please remove these late payments from my account and from my credit. I ask you to take this in consideration and please favor your faithful client. 


Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Bankruptcy XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX EXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

i checked my credit report XX/XX/XXXX i saw some hard inquires that i did not give permissible purpose. These inquires below have no permissible purpose to be on my credit report. Delete these inquires due to violation 15 USC 1681b. 


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

I've Sent 4 Letters, stating there are inaccuracies in my report, 3 to the Credit bureaus, and 1 to the creditor. 

Dates XXXX XX/XX/XXXX XXXX XX/XX/XXXX They have never sent me any of the required information and have broken the law the credit bureau have been facilitating this fraudulent behavior which is breaking the law. here 's what I've asked of them and nothing. they have willingly broken the law. 


- The full account number is not listed on my credit report and as from the FTC statement is also breaking FCRA laws as this is not needed for " privacy '' The name of the original creditor The address and phone number of the original creditor The name of the person at your who verified the dispute with the original creditor The documentation used to verify the dispute You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) which under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure by no later than 15 days. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following account be deleted immediately. 

XXXX XXXX compliance being broken. 

incorrect account status showing, charge off / collection which can not be stated on this account it's reporting incorrect and inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has. violated my rights. 

15 USC 1618 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Sections 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$600.00} written off. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$330.00} written off. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3200.00} Status Account charged off. {$3300.00} written off. {$3200.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9400.00} Status Account charged off. {$8600.00} written off. {$9400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$600.00} Status Collection account. {$600.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$330.00} FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Checking or savings account

I have a capital one 360 checking account. I had been putting money into that account to buy my kids XXXX. The last time I used my card was XX/XX/2021 at the nail shop for my wife for {$48.00}. On XX/XX/2021 I received a message that the wrong pin was used which it wasn't me. I proceeded to check my account an someone had drained my account all but {$350.00} from at least 5k. I reported the card stolen an called capital one. I filed the claimed an within a weeks time they denied my claim saying they didn't see nothing wrong. There's multiple transactions of XXXX XXXX, XXXX, ATM, an several in store purchases that I DID NOT AUTHORIZE. My money is supposed to be insured and I'm being robbed by the thief an bank.i shouldn't be a victim twice
Product: Mortgage

Hello, I have issues with Shellpoint company. During my forbearance repayment plan, there was miscommunication. I did not miss my XXXX payment, as the due date coincided with weekend I sent my payment XXXX XXXX which was intended for XXXX. I explained this in my previous messages but they never gave any reference to my attached receipts, they just ignored my request. According to the forbearance plan which was given to me to follow, I didnt miss any payment as they claim.please see the attachment names as receipt. 
I believe you have the substantial amount of evidence to state that I have already finished my payments in time. It is their mistake not to take into account that. The third payment should have been considered to be XXXX payment not XXXX. 
Due to this misunderstanding I got Derogatory Account and delinquent account. ( Page 4 ) Because of this issue I got XXXX problems. XXXX of them is about my credit history, the other XXXX XXXX my PMI request was rejected and I had to pay it in XXXX. 
( Shellpoint Mortgage Servicing XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX )
Product: Credit reporting or other personal consumer reports

Experian and XXXX continue to allege I owe a debt I do not. Georgia law states that a creditor can only collect up to 6 years after the contract and XXXX has went over that timeframe so the debt has been canceled and reported to the IRS as income. Reporting a balance due is violation of the FCRA.
Product: Debt collection

I CHECKED MY CREDIT REPORT AN THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.
Product: Mortgage

In XXXX of XXXX my husband XXXX XXXX was Hospitalized for XXXX he was off work and on XXXX for a few months and Freedom Mortgage put us in a COVID19 Forbearance and we were put in the Modification program to help bring our house note down. On XX/XX/XXXX we received our letter from Freedom Mortgage stating after careful review and was approved for COVID19 Refund Modification and Principal and Interest was {$930.00} interest rate of 3.250 % and a estimated Escrow of {$350.00} and as long as I didn't appeal within 14 days at which we didn't appeal but I called and asked when 1st payment due I was instructed XX/XX/XXXX in which we paid {$1200.00} but was instructed they made a mistake and was reviewing again but no one had informed me about this I only found out when asking about when to send first payment. I had also been terminated XX/XX/XXXX due to non- vaccination I currently work 2 days a week now. I was informed just to keep making payment until a new review comes to us. I never heard so I called back in XXXX and it still showed nothing but was informed they had turned us into the Credit Report but they sent me a letter saying they contacted Credit report and had corrected it because they had made a mistake sending it. We finally received a second document saying the new amount was {$1300.00} something and I needed to sign paperwork by XX/XX/XXXX I believe was the date but after talking with one of their representatives about change in our taxes that put us in a lower tax on Farm land he told me he would put a note before the Modification reviewers, which was before the deadline, so they could reevaluate since change to lower the taxes of Mortgage, so I waited for new update didn't hear from Freedom Mortgage so I called them just to find out by XXXX that he was sorry to inform me that that wasn't correct so we would have to start over again for a 3rd time. I asked them why aren't they held accountable being I was given wrongful information and this has been nearly a year and they've made nothing but mistakes this hold time that I feel we've been misrepresented by them and my husband as a Veteran hasn't been helped but instead we feel they want to take our property and this is why we feel weve been treated this wav. I know someone who also had Freedom Morteage and thev didn't perform such mistakes with them as they have with us and didn't take but 2 months to complete their packet but it's a year for us because of their neglect and Freedom Mortgage should be held accountable and held to the initial letter we received in XXXX. 
I pray a fair result comes out of this as well as interest rate as we had offered to us in XX/XX/XXXX & payment. Thanks Sincerely XXXX & XXXX XXXX