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

This horrific fraud scheme first started end of XXXX I have been dealing with this dispute battle for almost 4 months. I lost in total of almost XXXX dollars. I have been trying to get footage from bank and to compare the footage they have with my face. I have called so many times and never have gotten a solution. I was a victim of fraud which also led to somebody dropping a fraudulent check on my account.. forging my signature. I have also informed them that my purse was stolen which I explained I lost my id, cards, I lost money! I got a police report as instructed to do and even wrote a letter. I have opened claims in total of 4 times after doing each step I was told. I have changed bank id, ordered new card and still no result. I was informed a woman who appeared to look similar to me was responsible for this mess. I called one more time and now the next step is simply legal help if I get granted access to footage from the cops. Please help! I am mentally drained from no help during this stressful process.I have been a loyal customer to Bank of America for almost 2 years! I just would like my Money back!!!!
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

The Bank of America recklessly disregards its own rules, regulations, and policies with regard to the over-draft protection I have with this dishonorable bank! 

One of my checks was dishonored and the merchant charged me {$35.00} but the Bank of America adamantly refuses to reimburse me for this {$35.00}. This even though the Bank of American gave me over-draft protection and readily admits that I have over-draft protection. 

My repeated complaints about this have gone nowhere with the Bank of America which with its tens of thousands of employees has no idea what to do that is, reimburse me the {$35.00} that the merchant refuses to cancel! 

The Bank of America by its actions has ruined my excellent credit standing with the merchant who now refuses to accept any of my checks. 

The Bank of America shows no remorse and assumes no accountability. The Bank of America in this matter is must about as trustworthy as a three dollar bill! 

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

The account is listed as delinquent and claims that I owe them {$290.00} I had a secured card that I submitted {$250.00} as a security. I am a XXXX veteran and had to relocate for health reasons. I went to close out the account and was told that I had to pay them to close my account. I had to pay to open the account, I financed the account, and now they say I have to pay to close the account. I wrote and told them that I would pay them if they would show me anywhere they loaned or gave me monies or credit. I provided ALL the credit and now they lie and say I am the debtor. They never responded to me yet they keep this negative report on my credit record and it is causing me great anguish as it overly interferes with my life, liberty, and the pursuit of my happiness.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally lodge a complaint regarding the failure of the credit bureaus to conduct a proper investigation of the disputed accounts on my credit report. This complaint pertains to the lack of adherence to the Fair Credit Reporting Act ( FCRA ) by the credit bureaus in question. 

On XX/XX/year>, I submitted a dispute regarding the following accounts : I completely disagree with the response from your investigation. The following incorrect items, which I have listed below, still remain on my credit report even after your investigation. I request that you re-investigate these items immediately and provide a valid reason for them. These inaccuracies are causing significant harm to my credit rating. 

XXXX. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please supply information on how you have verified this item. 
XXXX. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX This is not mine. 
XXXX. Other information I would like changed XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. This is the wrong creditor for this item XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. This is a duplicate account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

The credit bureaus responded with a stall letter and simply verified the accounts without conducting a thorough investigation as required under the FCRA. I am formally requesting the method of verification and specific details on how the verification was conducted, including the names and contact information of individuals involved in the process. 

The response from the credit bureaus constitutes a violation of their obligation under the FCRA to conduct a proper investigation. As such, I am requesting a re-investigation of the disputed accounts. The FCRA mandates that credit bureaus investigate disputed information and provide a detailed response regarding their findings. Failure to do so is a clear violation of my rights under the FCRA. 

If the credit bureaus ignore this request or fail to conduct a proper re-investigation, they will be in further violation of the FCRA, and I will seek appropriate remedies and compensation for these violations. 

I expect prompt and thorough action on this matter. Please ensure that the credit bureaus fulfill their legal obligations and provide the necessary documentation and details regarding the investigation of my disputes. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Checking or savings account

On XXXX of XXXX my checking account first was restricted and then closed i have been with this bank for 3 years... tried to talk with banker over the phone... he just said you can not bank with capital one no more because you possess risk to the bank. The issue started with my work place changed their bank and printed checks too, so one of the checks bounced and then bank just closed my account. I have been trying to get an official response but couldn't till now. I just want to know why the bank didn't close my account when i was pouring money in account and now that i am in bad financial position bank closes my account. I have been trying to contact the bank everyday since but their department is closed.
Product: Money transfer, virtual currency, or money service

Incident happened on XX/XX/2021 around XXXX PST. My Coinbase account was hacked even though I have 2 Factor authentication and all my BTC and ETH positions were transferred out of my account. The hacker cleaned out my account.
Product: Mortgage

Please refer to previous complaints # XXXX - XXXX and # XXXX - XXXX for the history of this problem. To summarize the previous complaints, after contacting the CFPB and filing a complaint I received a call from XXXX XXXX XXXX 3 days later where he left a message to call him. I tried to contact him on 4 different occasions as outlined on complaint # XXXX only to receive a strange call from XXXX XXXX where he said he had dialed the wrong number and hung up. 
Now Bank of America has sent a notice/statement stating that they did not receive the XXXX payment which was sent XX/XX/2021 check # XXXX. After reviewing the document I see where it was received on XX/XX/2021 and was applied, unapplied and misapplied reversal 44 Times! ( see downloaded documents ). At this point I believe Bank of America has lost all credibility and this needs to be investigated immediately. 
Thank you XXXX XXXX
Product: Credit card or prepaid card

I purchased a XXXX cell phone directly from XXXX. 
As part of this transaction I did a trade in of my old phone for a new device and financed the remaining balance thru XXXX. XXXX used a " Bank '' reported as " TD RETAIL CARD SERVICES '' that offered XXXX month XXXX interest financing. For some unknown reason it took some time for XXXX to process the complete transaction perhaps due to availability of the device. Once I received the device I was required to send my old phone back to XXXX, which was done. It took a little more time for them to process the credit for this trade in but I was eventually informed that my trade was accepted and that I would be getting billed for the remaining amount via XXXX mailed invoice. 

After XXXX I had not received a bill for the remaining balance. 
I was not concerned however because the entire process had been delayed many times so I figured there was a delay on the billing of this portion as well. 

After XXXX days I saw a late payment report had been reported against my credit score. 
Some after I received a collections letter from TD Retail Card Services informing me that my account is past due and they wanted payment including a late fee. 

I attempted to contact " TD Retail Card Services '' to dispute the late fee and credit statement at the number provided on the collections statement. However this company offers no way to dispute any charges they only accept payments via the " Customer Service '' contact numbers. They have an automated system that only accepts payments. 
I did find a way around the automated system to speak with an actual individual but was told that there was nothing they could do to help me they only accept payments. AS A POLICY THEY DO NOT MAKE ADJUSTMENTS TO ACCOUNTS FOR ANY REASON. 

The only recourse available is to print out and mail a dispute form and also contact the Credit Reporting Companies to dispute with them directly. 

I attempted to contact XXXX who indicated that they could no longer help me, I must work out the problem with " TD Retail Card Services ''. 

To prevent further damage to my credit I went on to the website of " TD Retail Card Services '' and submitted payment in full for the outstanding balance as well as the applied late fee. Terrible time to have to shell out nearly {$800.00} unexpectedly. XXXX XXXX!!! 

Another concerning thing about this finance company is that they will only take payments directly from your checking account, they will not allow you to use any other payment method. I use my credit cards as a buffer to prevent fraudulent transactions from withdrawing directly from my primary checking account. 
" TD Retail Card Services '' refuses all other forms of payment. 

I refuse to do business with this company ever again and also XXXX for giving me over to these abusive lending predators. They are obviously making most of their profit on late fees and taking advantage of people who do not have the means to cover such an expensive device.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I received a call from XXXX checking to see if I filled an application for a PayPal credit card. I told the rep no. and she said she would close the application out and report it as fraud and remove the inquiry. today is XX/XX/2021 and the inquiry is still listed on my XXXX credit report. I would like this removed as I did not authorize this company to run my credit.
Product: Student loan

I received a letter in XX/XX/XXXX from XXXX XXXX XXXX XXXX about two of my federal loans being in Defualt. When I contacted them, I stated there must be a mistake because I had all federal loans in forbearance. The person I was talking to gave me an address to send my dispute to and placed the collection in dispute status.

Several months later on XX/XX/XXXX, I received a letter from my payroll department about a garnishment. I immediately on the next day and multiple days later, spent hours on the phone trying to figure out it went into default. After spending a total of 21 hours on the phone and doing a lot of research, I found some interesting things : Originally, XXXX XXXX  had the loan, then it switched to Navient.XX/XX/XXXX, I received a phone call from Navient about two federal loans that were close to default, apparently they didn't do another forbearance because it went from 244 days past to only 215 days past. I just found this out yesterday. In XX/XX/XXXX, they transferred the loan to XXXX XXXX XXXX XXXX, in which they contracted XXXX XXXX XXXX XXXX   to collect.

Until I am able to figure out how and why the two loans went into default, I wanted to reduce the 15 % wage garnishment to something I am able to afford. XXXX had told me that they couldn't do anything unless the guarantor ( XXXX XXXX XXXX XXXX ) contacts them to modify the garnishment.

The problem is that trying to contact XXXX XXXX XXXX XXXX is like chasing a ghost. All calls end up being redirected back to Navient.

Now, Navient says they are on behalf of XXXX XXXX XXXX XXXX, but they can't change or modify the garnishment because XXXX XXXX XXXX XXXX is the guarantor.

Now what is really interesting is that when you search for XXXX XXXX XXXX XXXX, it comes up with XXXX XXXX. I then found out that XXXX XXXX took over loans from XXXX XXXX XXXX XXXX. When I contacted them, they told me that they had my two federal loans for a short period of time but returned it back to Navient. I also found out that XXXX XXXX XXXX XXXX  changed their name to XXXX XXXX XXXX in XX/XX/XXXX and no longer has a role in student loans.

When I contacted XXXX XXXX XXXX XXXX  and had a recorded conversation, I let them know that there is no company as " XXXX XXXX XXXX XXXX '' and the garnishment should be nulled immediately until the correct guarantor is listed on the wage garnishment. They told me that they do exist and they are going off what is listed on the contract. I let them know that XXXX does not exist and no one can seem to reach anyone from XXXX   and their contract is illegal and should be terminated immediately. They declined
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/ to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. The following items are listed below : XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXXXXXXBalance : {$480.00}
Product: Credit card or prepaid card

XX/XX/XXXX XXXX, I've received a email from Goldman Sachs stating I was denied for the XXXX  card by Marcus due to them being unable to verify my identity. I called Godman Sachs and the customer service representative wasn't able to help me verify my identity they kept telling me to apply again and after doing so I kept getting the same email with the same information. After reaching out again a customer service representative told me send a photo copy of my state identification card, so they can verify me in the system.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 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 shall- [ i ] 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. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance Owed : {$20000.00}
Product: Money transfer, virtual currency, or money service

I made a shipment and they could not collect the money due to the company 's error. They told me that they were going to return it to me and when I returned, the company 's location no longer existed. 
I contacted them by phone and they told me that my money would arrive in a check by mail but it never arrived and almost 5 months have passed and I sent emails and no one answers me Sigue corporation
Product: Credit reporting or other personal consumer reports

am writing to dispute several accounts reported under my name without my consent, violating the Consumer Credit Protection Act ( Act 1692, CCC ). I have contacted XXXX and TransUnion regarding these inaccuracies, but they failed to provide the requested evidence and indicated they would not remove the accounts. 
I request an investigation into these accounts and the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX  XXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 
Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 


Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 



Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Both two students loans have been paid in full {$14000.00}. On XX/XX/2024. 
The creditor XXXX XXXX HAS RECEIVED PAYMENT. THIS ACCOUNT HAS BEEN PAID IN FULL!!! PLEASE UPDATE MY BALANCE AND DELETE INCORRECT INFORMATION FROM MY CREDIT FILE