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

I recently reviewed a copy of my credit report and I noticed I had fraudulent accounts on my report. Please review these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit card

On XX/XX/XXXX I paid {$1000.00} to secure a credit card with Bank of America. They issued the credit card while I was traveling. They claimed that since the card was not activated within 2 weeks, that the account was fraudulent. The account was closed. 

I have called every 2 to 3 weeks to have the {$1000.00} returned and each time I am told a check will be sent out and received within 2 to 3 weeks. No check is ever received and each time I call there is new set of apologies and false promises.
Product: Debt collection

Account was closed under buyers remorse at my request in XX/XX/XXXX, it was assured it was closed i then received notification from a debt collector in XXXX attempting to collect a debt unbeknownst to me I explained this debt is in no way owed I expressed that account was closed in XXXX XXXX they stated it wasnt then sent me a billing with over 4 months unaccounted i explained that account was closed thats why over 4 months is Missing because i requested it to be closed and there had to be some sort of mix up so this is a fraudulent debt that is not owed due to errors on the company behalf. This needs to come off my credit immediately I keep disputing this debt without proper knowledge of the laws because it is fraudulent but I have recently been made aware that I can in fact sue. But I have to make a proper request for it to come off first.
Product: Vehicle loan or lease

On XX/XX/2018 I mailed a certified letter to Wells Fargo dealer services requesting all the documents containing to the debt I owe them as of XX/XX/2018 I have yet to receive any documentation which is a violation of the Fair Credit Act I called and called tell haven't gotten anything.
Product: Debt collection

I was never notified by this company, it appeared on the collection section of my credit report on XX/XX/year>2025. I did not receive any prior notice about the debt going to collection. Per the CFPB and FCRA rules : debt collectors must provide consumers with validation information, written notice, and initial communication within XXXX days of first contact. I have not received a call, text, email, or mail in accordance with the collection account. That is against the law and my rights as a consumer are being abused without consent or fair representation.
Product: Student loan

I have emailed NelNet with no response. I have been on hold for HOURS. I can not get through to them. No matter what I do. I applied for a new Income Based Repayment and the SAVE Plan. They were supposed to get back to me. Never did. According FSA - my monthly payment is {$250.00} and I should have a one month deferment. According to NelNet I have a past due payment and owe over {$500.00} per month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted some disputes. One company said my ID wasn't visible. THAT IS A LIE. One company said I used a credit repair company. I am insulted that I am being accused of using a credit repair componay. I find this language highly offensive. These fraudulent accounts are already causing me emotional distress, on top of the fact of being falsely accused by you guys. PLEASE INVESTIGATE AND REMOVE THESE ACCOUNTS ASAP.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you review the documents? Several of the listed accounts contain inaccuracies regarding reporting, amounts, and dates.
Product: Checking or savings account

Most banks are frauds with duplicitous dealings. I have filed an ID theft report and will file a police report in due time for the ID theft to hopefully ultimately determine and catch the perpetrator. Regions Bank is of no help and only serves to harass me. I already filed a complaint with the XXXX to contact them with the resolution of not contacting me about a fraudulent account. I am sure they will do their best to craft and intricate lie in response to this complaint while ignoting the XXXX  complaint. I am paying a lawyer an extensive amount to clean up the ID theft and don't need to waste resources on some subpar regional FI who can't even comprehend the factors and steps involved for a true property rights claim. Maybe, like most banks, they can " legally '' steal someone else 's money who is more unsuspecting.
Product: Mortgage

BOA sent me a modification letter becuase of my military service which I beleive was driven by their prior settlemetn with DOJ. I signed form and submitted it along with payments as instructed. After BOA automatically took out XXXX payments they stopped and when I called to ask what happened I was told I was in modification and could not make any payments. Since then BOA has not allowed me to make any payments and everytime I call they tell me they want new info etc ... Once I send the information I will keep getting mroe requests for more information until now they have initiated foreclosure. I am XXXX military and XXXX so it is on hold. I also have hired a lawyer but ti does not seem they have gotten anywhere with BOA either.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution processi was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I used my PayPal account to reserve a hotel from " XXXX XXXX XXXX '' as I was returning from a long trip. However, my plane arrived on a different day than expected so I did not need this hotel reservation. I tried to resolve with XXXX XXXX XXXXXXXX but they said it was no use, they do not issue refunds. If you XXXX XXXX XXXX XXXXXXXX you will see that the first XXXX results call this site a scam. Since they refused to issue a refund even though I never stayed at their hotel, I contacted PayPal to dispute the charge. It was not easy because it is difficult to get a live human being at PayPal. I was finally able to dispute the charge, and PayPal took several weeks to " research. '' If they PayPal dispute department had done a XXXX search they would also see that there are many complaints against XXXX XXXX XXXXXXXX for being a scam and not issuing refunds. After several weeks, PayPal decided to side with these scam artists instead of their long time customers who pay exorbitant fees to use PayPal. I want PayPal to reimburse me {$130.00}, the amount they never should have transferred out of my bank account and given to XXXX XXXX XXXXXXXX. I also want PayPal to issue an apology to me for poor customer service as I examine the other myriad payment services that are available to use.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

TRANSUNION : XXXX ACCOUNT : XXXX. XX/XX/2022 Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

I was contacted by telephone by XXXX XXXX, phone number XXXX on Thursday, XXXX XXXX regarding an apartment lease for my son we were trying to pay off with leasing company. My wife contacted XXXX XXXX on the XXXX who then told her that a payment arrangement needed to be made before Tuesday, XXXX XXXX or the account would be reported to the credit bureau. She informed XXXX XXXX that we had not received any notice of the account being turned over to collections as we were still sending payments to the corporate office of the apartment housing. XXXX XXXX told her that a letter was mailed out on XXXX XXXX and still demanded a payment arrangement be set up prior to the XXXX. My wife explained she was not comfortable giving out our checking information over the phone since we did not have proper notice. We finally received a letter in the mail from XXXX XXXX ( National Credit Systems , Inc. ) dated XXXX XXXX, 2016. My wife explained to XXXX XXXX that she would be disputing the amount claimed to be owed as she has repeatedly requested an accounts ledger from the apartment corporate office as our balance did not match theirs.
Product: Credit reporting or other personal consumer reports

I requested validation and proof I was given the option to opt of having my information shared with a 3rd party. I sent this to the Department of Education and XXXX. XXXX removed the items on XX/XX/2024 dispute # XXXX, then put them back. The Department of education has not provided any information with me. I have multiple disputes with you and they have not responded to you either. Please have all 4 credit reporting agencies remove these accounts from my reporting file : Lexis Nexis, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

To Whom It May Concern, Chase Bank has informed me that they are closing all of my personal and business credit cards on XX/XX/XXXX due to " unexpected activity on this account ''. I have credit cards opened over 5 years, and has always been in good standing, with other Chase personal and business cards open for years. These accounts have always been in good standing, have been paid in full every month, on time. There has been higher than average spending and payments due to increased income, and lack of credit line increases. There has been no warning prior to this that any type of issue or risk was of concern. If there was such a high risk, they would have been shut down immediately. I am shocked they are closing all of my Chase checking and credit card accounts on XX/XX/XXXX after being a customer in good standing since XXXX. 

I ask that the accounts not be closed on XX/XX/XXXX, so I have time to re-evaluate my relationship with Chase and continue to do business with them if I deem so. 

Many thanks for your help with this matter, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your agency 's ongoing noncompliance with federal credit reporting laws. Despite my previous disputes regarding the accuracy and legitimacy of certain items on my credit report, your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Violations : Failure to validate the debt as required under 15 U.S.C. 1692g ( Section 809 ( b ) ).

Continued communication after a certified cease-and-desist request, violating 15 U.S.C. 1692c ( Section 805 ( c ) ).

Harassment, as defined under 15 U.S.C. 1692d ( Section 806 ).

Although I recently received a notice that your investigation was complete, the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Product: Credit reporting or other personal consumer reports

I sent the following information on XX/XX/year> to the company ( The Bureaus Inc ) regarding the illegal collection activities for the amount of {$15000.00} and got no response nor corrective actions on their part.

Dear The Bureaus, I am writing to formally dispute the collection account referenced in my credit report and to address multiple violations of my consumer rights under federal law. The collection account in question has been
placed on my consumer report by your agency without adhering to the required legal procedures. Below, I outline the specific violations : 1. **Failure to Provide Validation Information** : According to 12 CFR 1006.34 ( b ) ( 5 ), your agency is required to provide specific validation information to me as the consumer. Despite this, you have not furnished any validation information for the alleged debt, yet it appears on my consumer report.

2. **Lack of Opportunity to Dispute the Account** : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to a reasonable opportunity to dispute the account. I have not been given any such opportunity to dispute this account prior to it being reported to the consumer reporting agencies.

3. **Use of False, Misleading, and Deceptive Practices** : Your agency is in violation of my consumer rights by using false, misleading, and deceptive means to collect a debt. This is a clear infringement of the guidelines set forth to protect consumers from unfair collection practices.

4. **Improper Furnishing of Information to Consumer Reporting Agencies** : Your agency has no authority to furnish any account information to consumer reporting agencies without providing all required disclosures by law. This is in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

In light of these violations, I am requesting the following actions be taken immediately : 1. **Removal of the Collection Account** : The erroneous collection account must be removed from all consumer reporting agencies.

2. **Cease and Desist Communication** : Your agency must cease all communication with me regarding this alleged debt unless it is to inform me that the account has been removed from my credit report or to provide the validation information as required by law.

3. **Provide Validation Information** : If you believe the debt to be valid, please provide all the required validation information in compliance with 12 CFR 1006.34 ( b ) ( 5 ). Please consider this letter as a formal complaint and request for investigation into the aforementioned violations. Failure to address these issues promptly will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. I expect a written response within 30 days from the date of this letter detailing the actions taken to resolve these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Transunion sent 3 copies of my credit report. Each report shows something totally different on the adverse accounts section. I have attached photographed copies of the discrepancies for review. 

I recently submitted a complaint in reference to the incorrect reporting of account XXXX XXXX # XXXX. My question is now after your reinvestigation, why is the payment history showing an X which is unknown status for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on one report and the other set of reports, the payment history shows an X for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX? 

This is considered FALSE reporting and Im asking for the immediate deletion of this unverified account. You obviously have no proof of the payment history ; therefore, you are putting any status on the account to make it valid. Well, this is wrong and considered false reporting which is a violation of my rights under the FCRA. I demand {$1000.00} fine or we will be forced to take this matter to Federal court and let a judge and jury decide whos correct. 

IF YOU CANT PROVE IT, YOU MUST REMOVE IT!
Product: Credit card or prepaid card

On the XXXX Rewards credit card, they forcefully converted the card from a cashback program to a points program without providing any exception to redeem for those who did not want to convert. They have an option to link the points from the card to an existing XXXX Rewards account, but the option has not functioned for the past 9 months. They deliberately make it difficult to find their phone number, not including it on their website and I had to use a search engine which found it in their terms and conditions, they outright refuse to provide an email to contact as well. Before the conversion to points, they changed their rewards program to allow redemption for a gift card ( up to {$200.00} per year ). This appears to be a deliberate attempt to deny access to earned rewards as their website is not allowing access to points earned on the card, and if you attempt to redeem by phone they advise you can only redeem for gift cards on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified all 3 major credit bureaus about fraudulent accounts reporting on my credit reports and they have yet to send me verification of any investigation they've performed or verification that these accounts belong to me, the following are all of the fraudulent accounts that don't belong to me as follows : 1. XXXX/XXXX/XXXX   ACCT # XXXX**** 2. XXXX XXXX XXXX ACCT # XXXX**** 3.XXXX XXXX ACCT # XXXX**** 4.XXXX XXXX XXXX/ XXXX ACCT # XXXX**** 5. XXXX XXXX XXXX  ACCT # XXXX*** 6.XXXX  XXXX   XXXX ACCT XXXX XXXX**** 7.XXXX/XXXX XXXX ACCT # XXXX**** 8.XXXX/XXXX ACCT # XXXX**** 9. XXXX XXXX XXXX XXXX ACCT # XXXX*** # XXXX**** # XXXX 10. XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX/XXXX
Product: Debt collection

Pulled my credit report and a fraudulent account was listed on my report that I did not open nor authorize State Collection Service XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX # XXXX. The dates were XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX the dates were XXXX 2020 my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.
Product: Credit reporting or other personal consumer reports

I have debts and credit cards and a light bill from XXXX XXXX a credit card from XXXX and a card from XXXX that arent mine on my report XXXX Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX Account number XXXX
Product: Bank account or service

I opened an XXXX credit card and gold membership debit card as part of their promotion online where if you spend {$3000.00} in 3 month on the credit card and then have a balance transfer of {$1000.00} and two direct payments on a debit card you would obtain XXXX miles from credit card and XXXX miles from debit card. 
I did just that and was credited my miles from the credit card right away. However, the debit card did not give me any miles at all. I called the company and was told that I did everything the promotion needed and that miles would be given to me in 3-4 months. I waited and paid the $ 30 monthly fee to only get nothing. I called back again and was told that they would open a fast investigation to see the problem and contact me 30 days later. 2 months later I received nothing and again called the bank. At this point, no one knew the problem and I was on the phone for 1.5 hours and nothing was resolved. 

Finally I called again at 11 months of being a member and was told at that point that this was a directed promotion and I did n't qualify. They were not sure how I got it since I was n't targeted and could not credit me my points. I asked how could I have been allowed to do this if I was n't targeted and they did n't know. They confirmed that nothing pops up if you are not targeted so they essentially take your money and give you nothing in return. 

At the end, they said it was " odd '' that I was able to get this promotion but there was nothing else that could be done. As such, I feel I earned my money and any reasonable person in the court of law would agree that unless they prompt you on the screen that I am not targeted, I am inherently expecting the points.
Product: Credit card

In XXXX  I was offered a settlement thru a 3rd party debt collector if I made 3 payments to them. I have forwarded the proof I have paid per their request multiple and even called and spoke with multiple people. They keep giving me the run around. This is a bad credit on my report and per the regulations they need to report it correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The Inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$200.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX EXPERIAN COLLECTIONS XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am XXXX XXXX See the attached documents. WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?