23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Heres a CFPB complaint description that references relevant federal and California state laws : -- - **Complaint Description : ** I am writing to dispute a fraudulent account that appears on my credit report. The account details are as follows : - **Account Name : ** XXXX XXXX XXXX XXXXXXXX ( Also known as XXXX XXXX XXXX, XXXX ) - **Account Number : ** XXXX - **Date Opened : ** XX/XX/2024 - **Balance : ** {$190.00} This account was not authorized by me and was opened as a result of identity theft. I have never had any dealings with this company and did not consent to this account being opened in my name. This fraudulent account has severely impacted my creditworthiness and has caused undue stress and hardship. 

This account was previously removed from my credit report but has inexplicably reappeared. I am requesting its immediate removal once again and that it be permanently blocked from reappearing on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have fraudulent information resulting from identity theft removed from my credit report. Additionally, Californias Identity Theft Protection Act ( XXXX. XXXX. Code XXXX ) reinforces my right to dispute and demand the removal of fraudulent accounts. 

This repeated reappearance of the account violates my consumer rights under both federal and state law. I demand that this account be removed and blocked from my credit report permanently and that I receive confirmation of this action in writing. 

Failure to comply with this request will leave me with no choice but to pursue further action, including legal remedies under the FCRA and California state law.
Product: Credit card

I was made aware of 2 charges to my US Bank Credit Card shortly after they occurred on XX/XX/2023. They were for {$3200.00} and {$1800.00}. Both had the transaction description of XXXX XXXX XXXX XXXXXXXX XXXX MO. I did not make these transactions with my US Bank credit card or otherwise. I notified US Bank of my disputation of these charges right away, and on XX/XX/2023 they gave me provisional credit for the 2 disputed charges and sent me a letter saying, among other things, that if the review was found in our favor, the provisional credit would become permanent, if not, they would reverse the provisional credit. 
They also said that during the course of their investigation, they may reach out to us for more information, which they never did, and that after the investigation was complete, they would send us a letter informing us of the resolution of the dispute. We never received such a letter. When I received the credit card bill for the previously described activity, the bill indicated that they had reversed the provisional credit on XX/XX/2023. My husband and I immediately called the US Bank Fraud Dept. to complain. We were given various explanations, none of which made any sense to us. Also, we were advised to get a police report, which no one had mentioned to us before. We did get a police report, which we can get a copy of, if you need it. After that episode I called the US Bank Fraud Dept. practically every day and my husband followed up with the police officer in trying to get more information for the police report. After about a week or two, I was finally able to get the US Bank Fraud people to say they would open up a new dispute and I gave them the police report number. I have not heard anything from them since. To my knowledge, the US Bank Fraud Dept. has never even opened an investigation into this.
Product: Credit card

I purchased airline tickets on XXXX airline for a flight on XX/XX/2016 with a XXXX credit card in the amount of {$490.00}. When attempting to take the trip, XXXX said that the bank declined the payment and it was necessary to purchase the tickets again. The airline tickets were purchased again for travel on XX/XX/2016 with a Chase credit card, but the tickets now cost {$610.00}. After the trip I followed up with XXXX and they confirmed that the purchase was valid and that XXXX did get paid. I opened a dispute with Chase for the amount of {$610.00}. Afterwards XXXX refunded {$490.00} to Chase - not {$610.00}. I followed up with Chase and explained that the more expensive amount needed to be refunded in full. Chase informed me that the dispute remained open and nothing was due on the card. Chase subsequently charged me a late fee of {$25.00} and has indicated that payment is past due on my credit card.
Product: Checking or savings account

I went to bank OZK in XXXX AR today which closed all my accounts approx. 6 months ago. 

I was told approximately 2 months ago that any checks submitted to the bank would be returned. 

Bank OZK deposited a check from the IRS into a closed checking account on XX/XX/24. 

The amount of the deposit only shows approximately {$560.00} when the check was for {$1000.00}. 

I was told a cashier 's check was sent to my address in file but the paperwork bank OZK gave me does not show that. 

The bank OZK kept approximately {$560.00} to pay a negative which was charged off approximately 6 months ago. 

I have written documentation from Bank OZK that I had no open checking accounts over 1 month ago. 

I had been waiting for this tax refund for approximately 8 months and now this.
Product: Money transfer, virtual currency, or money service

Hello, I have a bank account at Chase Bank and I deposited a cashiers check on Friday XX/XX/2020. It was a guaranteed check and it was not available to me for withdraw on Monday XX/XX/2020. Not even the first XXXX $ like it says on their contract. Well I called them Monday Around XXXX and explained why there was a hold on my check. And the first XXXX $ was not available to me like it states in their contract. Well the lady I some to was very nice and sweet, first of all. So I don't know if it was her or really the other banks fault like she stated to me, on the reason why they couldn't release anything to me that day because, the other bank has a hold on it until, XX/XX/2020, which is very ridiculous if you ask me. I have no money and haven't went back to work and I have a car payment and things I need to pay in order to survive at this time. So for them to hold it that long is ridiculous and then they shouldn't say they will release some of it if they won't. XXXX and XXXX. I have departed larger checks and they have been avail e to me same day or the next business day so why hold this one? I think chase is no good and they never answer their phones. If they do you have to wait hours just to get thru. This is not okay for us who bank with banks. We r suppose to trust them. Now what am I suppose to do with XXXX kids?
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax hacked and I learned my information was compromised
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX 16 CFR 313.7 15 usc 6802 Per the FCRA as a federally protected consumer I am now opting out of any and all authorizations I the consumer may have given you written, unwritten, verbally and non verbally per 15 USC 6802 it is effective immediately and indefinitely.

Since the debt is now with a third-party collection agency, it has already been charged off. As outlined in Tax Topic 431, this represents a certificate of indebtedness, which is categorized as income. It's important to note that income is not reportable on my credit report.

" If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. '' - Tax Topic 431
Product: Student loan

I submitted an application for  XXXX  discharge with Nelnet. I have been calling them for the last 3 months, and nothing has moved on my application. I have been told that my application has been archived and has to be rebuilt. I do not believe this. I believe that  Nelnet  is purposely delaying my application because it has merit.
Product: Credit reporting

After the death of my husband on XX/XX/XXXX and the loss of my job, I was unable to pay the mortgage on our home. I went through the necessary steps and returned the deed to XXXX and it 's attorneys on XX/XX/XXXX. It was recorded as becoming XXXX property on at the local courthouse on XX/XX/XXXX. The original deed was released to me in early XX/XX/XXXX. A new owner purchased from XXXX on XX/XX/XXXX. I am trying to get a mortgage for a condo I have under contract and it has been brought to my attention that all XXXX credit bureaus have XX/XX/XXXX as the date the deed was returned.Over XXXX year and XXXX months after it happened. Even though I have all sorts of proof, the mortgage credit bureau will not accept it because it has not been corrected on my consumer credit reports. Please help me! Time is of the essence.It 's hard for me to understand why this ca n't be easily corrected as the dates I am telling you are all public record at the local courthouse. We have been in contact with XXXX, but this has not yet been resolved. All the documentation was rejected by the mortgage credit bureau. I 'm not sure I know the difference, but the date in XX/XX/XXXX is just WRONG! Please let me know if you can resolve this for me.
Product: Debt collection

The company ( Collection Bureau XXXX ) accepted funds to legally settle a debt ( Montgomery Ward ) but never provided information that the debt was settled. They never refunded me or the debt management company XXXX XXXX XXXX XXXX XXXX I was enrolled and working with. I would like for them to refund my money. My account was paid off by me in full. If they had actually completed the settlement when they received the funds my credit report could have been updated correctly for a long time prior to me paying the debt off in full. XXXX responded to me about the arrangements are as follows : Montgomery Ward - XXXX. And the rep confirmed the same Account Number to me as well. 

The settlement we had worked out with Collection Bureau XXXX was for {$120.00} on the balance of {$240.00}. We paid off the amount in the manner as follows - {$62.00} on XXXX/XXXX/2013 -- Check By Phone payment. 
{$62.00} on XXXX/XXXX/2013 -- Check By Phone payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/1976 Dear Experian, I am writing to you regarding the inaccurate, unverifiable, and invalidated information that remains on my credit report. I demand that you delete these items immediately, as they are in violation of the Fair Credit Reporting Act ( FCRA ). 

I am aware that you are required to keep a copy of the original creditor 's documentation on file to verify that the information being reported is correct and belongs to me. However, you have failed to provide me with a copy of any original documentation, including a consumer contract with my signature on it, as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Furthermore, you have not provided the method of verification, as required under Section 611 ( a ) ( 7 ).

Under Section 611 ( 5 ) ( A ) of the FCRA, you are required to " promptly delete all information which can not be verified. '' Therefore, I demand that you delete the following items from my credit report immediately : XXXX - Account Number : XXXX - Please remove the late payment as I have no late payments made on this account. The account is paid as agreed. 

XXXX - Account Number : XXXX - Please remove the account involved in litigation, an incorrect high balance, an inaccurate date of last activity, " REAGED ACCOUNTS, '' " Reinsertion WITHOUT PROPER NOTICE, '' an undated late pay, a charge off listed as open, and a collection account with a limit. Your improper practices have caused distress and I am demanding immediate correction of this inaccurate information on my credit report. 

XXXX XXXX XXXX - Account Number : XXXX - Please remove the late payment as I have no late payments made on this account. The account is paid as agreed. 

XXXX  - Account Number : XXXX- Please remove the late payment as I have no late payments made on this account. The account is paid as agreed. 

XXXX XXXX - Account Number : XXXX - Please remove the late payment as I have no late payments made on this account. The account is paid as agreed. 

Failure to comply with my request will result in legal action under the FCRA. I am fully aware of my rights under the FCRA, including civil liability for willful noncompliance and negligent noncompliance, and I intend to pursue litigation to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617. 

I hope to resolve this issue amicably before litigation becomes necessary. Therefore, I offer this as a final written offer of settlement before litigation. Please acknowledge receipt of this letter and confirm your compliance with my request. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

Company is still failing/refusing to properly investigate and for now a year has reported incorrect balances to credit reporting bureaus and me, the incorrect balance has prevented me from making payments as I am not quite sure how much I owe per month as this company is attempting to charge me due to items I ordered but never received even with XXXX XXXX  of scheduled deliveries after the delivery confirmation Synchrony used, they will need to update my account and explain their blatant disregard of proof submitted by me the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against TD Auto Finance located in XXXX XXXX, MI. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, TD Auto Finance has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting or other personal consumer reports

Persolve legal group has wrongfully and illegally reported to all 3 credit bureaus false details on my credit report. They have failed to respond to my demand letters of validation and are refusing to correct the inaccuracies they are reporting on my credit report. The vehicle they are claiming ownership of debt on has been returned to the original creditor, whom has sold the vehicle at auction and has received their payment for the vehicle. Persolve legal group has picked up the debt and is false reporting to the credit bureaus that I owe them XXXX for a car Ive given back. This XXXX debt does not reflect the correct original price of the car, nor does it reflect the amount Ive paid on the car before I gave it back. Nor does it reflect the amount XXXX received for the car when sold at auction. These inaccuracies are prohibiting me from purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to TransUnion to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been over 60 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Product: Money transfer, virtual currency, or money service

I answered an ad on XXXX for a rental property in XXXX CA. After several phones calls, texts and faxing rental agreements I was instructed to pay the XXXX dollars needed to secure the property. I was told i could only to do it by XXXX, which i had heard of, but never used. After he confirmed the payments ( XXXX transactions= XXXX {$1000.00} and XXXX {$500.00} payments, i was told to meeet his attorney at the property to receive the keys. When i arrived at the property, no one there to hand over the keys. There were XXXX other people there to receive keys promised by the same person. I contacted him immediately and was told he his attorney was running late. I confronted him about the other people waiting to do the same thing as me, and he said he would call me back immediately. That was Saturday XX/XX/22. He hasn't responded to dozens of calls and texts. I've filed reports/complaints with Bank Of America XXXX FBI ( XXXX by XXXX ) XXXX the HOA of the property, XXXX ( he has all my personal information ), Social Security XXXX XXXX, and CA Attorney General. I have since learned that BofA owns a portion of XXXX. That sounds illegal and unethical. I'm sure that there are hundreds of people that fell to the same scan as me.
Product: Prepaid card

I received two American Express eGift Cards from my employer, one for {$100.00} in XX/XX/XXXX, and one for {$200.00} in XX/XX/XXXX. 

The first, for {$100.00}, I successfully added to my XXXX  " wallet '' and used {$26.00} on XX/XX/XXXX to pay for an item. I later wanted to transfer my unused amount to an XXXX gift card, on XX/XX/XXXX, and XXXX  not only declined the payment but also locked my account temporarily. I was never able to purchase my gift card. I then attempted to use this same Amex eGift card on XXXX to purchase goods, and was again declined and my account locked. 

After that experience, I decided it would be best to use the remaining eGift card for {$200.00} at a physical establishment, a restaurant in XXXX, XXXX named " XXXX ''. Our waiter attempted to use the card several times on XX/XX/XXXX and it was declined each time. I had never used or added this card to any commerce website. 

This morning, I tried to ascertain the available balance on the {$200.00} eGift card, and the AMEX site https : //balance.amexgiftcard.com would show me the card was valid and had no transactions against it but would not show available balance. After reading testimonials from others online regarding AMEX eGift cards, I believe it would be impossible for me to use this card in the manner it was intended, either physically or on-line, and would like my remaining balances mailed to me.
Product: Debt collection

I have a creditor on my credit report that I have disputed 6 times. 


They have requested proof to show debt is invalid I have provided proof several times but on XX/XX/scrub>XXXX via mail certified and email, I have also tried to communicate through the credit bureaus as well as email and fax. The attach the collector continues to respond with the same letter as though they have not received proof of invalid debt. 

The company has poor communication practices.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  XXXX  placed a charge off on my Experian, XXXX, and my XXXX XXXX consumer report. According to the IRS a charge off is considered a certificate of indebtedness which means it is defined by the IRS as income and income can not be reported to a consumer 's report. This charge off must be removed from my consumer report immediately. I am filing this complaint against XXXX, XXXX XXXX, and Experian for failing to properly investigate errors on my consumer credit report. Despite my attempts to resolve these issues directly with Experian, XXXX XXXX, and XXXX they have not provided adequate responses or resolved the inaccuracies. Below are the details of my complaint : I have disputed late payments and a charge-off reported by XXXX XXXX on my credit report. I believe these items are inaccurate and requested that Experian, XXXX, and XXXX XXXX conduct a proper investigation. However, they have failed to provide any documentary evidence of their investigation or verification process. According to the FCRA all creditors must provide an opt out notice to all consumers giving them the opportunity to opt out before furnishing any information to the credit bureaus.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I got a notification that my credit score dropped XXXX points for an account I have no knowledge of. XXXX XXXX This item does not belong to me. The account states that it was opened XX/XX/XXXX I have not seen any information regarding this account on my consumer report prior to today. I want this item removed because I never signed anything with this company and it's causing extreme damage to my overall creditworthiness. According to 15 USC 1681c ( a ) Block Except as otherwise provided in this section 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 an alleged identity theft.
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. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is still reporting something on my credit to rental companies that was deleted from my public records and was closed in court. I would like to take legal action after being denied twice after informing them of this problem is still reporting they deny it is keeping me from being approved but it clearly is the reason Im the adverse action letter.