23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am contacting your firm due to my stolen documents and jewelry that I kept in a safe deposit box at your bank located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX. My husband went into your bank on or around theXX/XX/XXXX to empty out our safety deposit box just to find out that it had already been emptied out. At this point one of the workers stated that they could not open it without his key, which that isnt true. Why would I pay for the use of a safety deposit box for years if it is empty? Why would you state you will credit me back one if you knew it was empty? It does not make any since to pay for a box that nothing is in for years. We have not been there for years, you should be able to see the last time we opened my safety deposited box prior to you telling us to empty it out because you are closing the branch in XXXX XXXX. I had over 25 thousand dollar in jewelry in that safe as well as my last will in testament, and all the titles to my properties which now I will have to pay to have it replaced. Its hard when you cant even trust the bank. My husband should have called the police before he left your facility. I called several time and was placed on hold. I held for 30 minute twice and 15 minute several time before someone said they would have the supervisor call me back. They gave me several numbers and I called them all.
Product: Debt collection

On XX/XX/2018, Santander responded to my CFPB complaint XXXX ( attached ) and promised to remove my email from their systems because it was incorrectly sending me notifications of debts that were not mine but those of someone with the same name who lives in a different city and state. 

I continue to receive debt notifications after the representation of Santander that this would be fixed. I have attached debt related notifications of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

The experience has been worse since Santander represented to the CFPB that the notifications would stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding innacurate and unverifiable things on my credit report. Til this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes Section 611 ( a ). It is stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from  my credit report. XXXX XXXX has removed the bankruptcy already, and that is who you said you verified with. I demand these items be removed or I will have to take further action and file for litigation.
Product: Credit reporting or other personal consumer reports

My ex BF used my info to open accounts that are not mine and without my permission. This was not authorized by me at all. I need this stuff taken off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL ISSUES WITH MY CREDIT THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE THERE IS A CHAPTER XXXX THAT IS NOT MINE I HAVE ATTACHED A LETTER WITH EVERY DETAILED EXPLANATION OF THE ITEMS TO BE FACTUALLY CHALLENGED AND CORRECTED
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately!
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against JEFFERSON CAPITAL SYST, a debt collection agency, for reporting a fraudulent account on my credit report. I am a victim of identity theft, and despite notifying the relevant parties, JEFFERSON CAPITAL SYST has erroneously included an account that I did not open or authorize. 

The details of the fraudulent account are as follows : Account Number : XXXX Reported by : JEFFERSON CAPITAL SYST I have previously informed JEFFERSON CAPITAL SYST of the fraudulent nature of this account and provided evidence of my identity theft. Despite these notifications, they have failed to rectify the situation, and the fraudulent account remains on my credit report.

It is illegal for debt collectors to report accounts that are fraudulent or not verified. The continued reporting of this account not only affects my credit score but also causes undue stress and potential financial harm. I request that the CFPB intervene to ensure the following actions are taken : Immediate removal of the fraudulent account from my credit report.

Compensation for any damages or inconveniences caused by the wrongful reporting.

Confirmation of the steps taken to address this issue.

Enclosed with this letter are relevant documentation supporting my claim of identity theft.

I trust that the CFPB will take appropriate action to resolve this matter swiftly. Please confirm receipt of this letter and inform me of any additional steps required from my end. 

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX account number : XXXX XXXX. XXXX  XXXX XXXX account number XXXX XXXX. XXXX XXXX  account number XXXX XXXX. I HAVE NEVER LIVED IN ANY OTHER STATE IN THE UNITED STATES EXCEPT CONNECTICUT.

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. In addition to the statement above, the information below is incorrect.

15 USC 1681 section 602 A state I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681C ( A ) ( five ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 US C 1681s 2 ( A ) ( 1 ) A person shall not finish any information relation to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is an accurate.
Product: Checking or savings account

On XXXX I called XXXX the travel site. I booked a hotel rooms for XXXX 2021 through XXXX. The agent charged my USAA debit card ending in XXXX. Upon arriving to the hotel the clerk could not find my reservation. I called XXXX at XXXX XXXX XXXX XXXX and they stated the rep put in the request for XX/XX/2021 through XX/XX/2021. XXXX apologized and stated they would refund my fee and cancel my booking. After leaving the hotel I was assured by XXXX to expect a refund within 3-5 business days. 

After a week I again called XXXX who stated they put in the request to XXXX XXXX to refund my card. I called XXXX XXXX at XXXX the cashier said she would have a supervisor call me back. They never did. 

I called USAA in XXXX. Spoke with a rep. She stated she would institute a Dispute and they would issue a temporary credit. I received a letter on XX/XX/2021 which I will enclose stating they need more information and giving me a due date of XX/XX/2021. 

I enclosed the reservation from XXXX. The cancelled booking from XXXX and proof of the payment via my debit card I provided my bank statement from USAA showing my $ XXXX charge to my card. 

I called the CS rep after to I submitted my documents to speak to the Dispute to both verify that they could see my documents and that this was all I needed. I was informed by the rep that the dispute department DOES not take calls but she would send a message over to them to give me a call if they had any questions or concerns. She was able to look and verify that I did submit documents. 

I heard nothing else but received a letter XX/XX/2021 stated that they either did NOT get my documents or they were not what they needed. This is not true. The copy of the voided receipt was furnished. And the copy of my bank statement was furnished as well. Also I furnished the cancelled booking as well. 
They are saying they are going to reverse the Temp Credit and charge my account on XX/XX/202 for {$310.00}
Product: Credit card

This is regarding my Amazon Prime Chase Visa. I have been using it and making regular payment and I am in good standing. When making normal purchases they locked my card without warning. When I went to the XXXX branch to close out my accounts they stated that it was an authorization issue since the phone numbers didn't match. They did contact my wife and she was able to verify the email in the customer settings and my new phone number. The feature to update my phone information is locked. I sent a secure message through the website and they forwarded my issue to the fraud department. They gave me a number to call. I tried calling the number but their phone system does not recognize the last XXXX digits of my credit card. Through another secure message I relayed this message to credit card services and still waiting for a response. 
I had recently switched providers but could not port my new phone number. I gave them my new phone number to contact me, and they have not done so. They did not lock the account due to any suspicious activity but only verify information which I will happily give them if I had a way to contact them. This is a very big bank which deals in a way that's very automated and impersonal and I am concerned that if nothing is done, I will just fall through the cracks so to speak and this will never get resolved. 
I had sent an email to the CEO of XXXX XXXX XXXX  and filed a complaint with the XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts. XXXX and remove it. 
XXXX XXXX Balance : {$81.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX  ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX  XXXX Balance XXXX {$150.00}
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  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 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
Product: Debt collection

I checked my credit report and discovered that this company has reported that I owe him a debt but I never received anything from them prior
Product: Debt collection

I received an alert from my credit bureaus stating my credit account has dropped due to a collection account, never opened an account with afni and it just showed up on my report. I was never contacted by them.
Product: Bank account or service

Bank of America offered a business checking account promotion with the offer code XXXX to me via email. I opened a business checking account XXXX XXXX XXXX XXXX ) in branch on XXXX XXXX and met the terms of the offer ( spend {$2000.00} within 60 days on a business credit card ). The terms say the cash bonus of {$1000.00} would be paid within 90 days of meeting the terms. 120 days after meeting the terms, no bonus was received. When I called to inquire I was told that no offer code was attached to my account and I would not be getting a bonus. I 've called BofA many times and keep getting the runaround. I logged cases XXXX latest XXXX being XXXX XXXX but they keep stalling and sending me nowhere.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to the Federal Trade commission regarding fraudulent activity on my credit reports. This information must be investigated and removed immediately as it is directly effecting my credit.
Product: Credit reporting or other personal consumer reports

my FCRA rights is continuously being violated by UACC who never showed me proof of the date of my XXXX  delinquency I requested in a previous dispute and failure to show proof of date of XXXX  delinquency the account must be removed by law. Also UACC is reporting an updated charge-off on my account. If the XXXX  charge off was posted on my consumer report in XXXX why is this charge-off being furnished to my consumer report every month all the way up until XXXXUACC also is reporting an updated balance of {$8800.00} which was posted on my consumer report XXXX XXXX. If the account was charged off in XX/XX/XXXX how is it possible to report a charge-off which is in definition by the IRS as cancelled-debt UACC decided to continue to report a charge-off on my consumer report every month including an updated balance. UACC is reporting inaccurate information to my consumer report and falsely manipulating the statue of limitation by continuing to report an updated balance. consumer reporting agencies are bound by all FCRA laws and my consumer report has to be 100 % accurate at all times, any inaccurate information reporting to the consumer report has to be removed by law. violation of 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. 

Do not update this information I am requesting that this account be deleted which is a direct violation of the FCRA consumer rights.
Product: Credit reporting or other personal consumer reports

THESE SOFT INQUIRIES ARE FRAUDULENT AND DOESN'T BELONG TO ME AND NEED TO BE REMOVED. ALSO THE NEST AS WELL. THANKS REMOVED : XX/XX/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
Product: Checking or savings account

On Monday, XX/XX/XXXX, I opened a money market savings account with BBVA compass due to their interest rate. In the application for a new account, I was asked to provide a source fun account and routing number and choose how much to transfer over. I selected XXXX dollars from a XXXX  savings account. When I setup the online banking, I noticed that it did not show this transaction as a pending transaction. I called the bank and they assured me there are no pending transactions. The next day I get a notification of a XXXX dollars ACH withdrawal by BBVA compass, and yet when I call them, they are still saying they have no record of the money coming in or them ever having requested the money. XXXX can not put a hold on the funds as it was not initiated from their side. I have no idea where my money is and no one at BBVA can help me find it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report with ( XXXX ) and I noticed some late payments posted on my credit report. 

Unfortunately, your agency is in a clear violation of the law. 

Under 15 USC 1681b- permissible purpose of consumer reports, The Law Clearly States ( 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 instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this account on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 



Account Name : Capital One Account Number # XXXX Account Name : XXXX XXXXXXXX Account Number # XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

In XXXX 2016 I reviewed my credit report and notice a collection account with XXXX XXXX XXXX XXXX. They claim I owe them {$2500.00}. Therefore on XXXX XXXX, 2016 I sent a validation letter requesting information on the account they claim I owe them. My letter requested to provide proof of the account. On XXXX XXXX, 2016 I received a letter from XXXX XXXX XXXX XXXX with a list of charges however I do not agree with several of the charges such as " replace XXXX drip pans '' of {$16.00} and " Carpet Replace Required - Pet Damage '' of {$400.00}. I responded on XXXX XXXX, 2016 disputing several of the charges list on response to the validation letter and to date I have not received a response from XXXX XXXX XXXX XXXX. I have attached all correspondence for this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute submitted to Equifax in XXXX of XXXX  and yet dispute shows under investigation and unable to resubmit dispute on bureau website.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a total of  XXXX  inquiries on all  XXXX  credit bureaus from various banks on.    XXXX / XXXX /   2016  I have contacted them and the credit bureaus, and nothing is being done.     I have not applied for credit with them. need to be removed from my credit report with  XXXX ,  XXXX  and  XXXX
Product: Debt collection

i have tried to explain the account is not mine and that the phones was traded to XXXX for a promotion to buy the phones and pay off the fee to cancel phone service. The balance is XXXX responsibility.