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

On XX/XX/XXXX I noticed there were 3 transactions maxed from XXXX in the amount of {$400.00} dollars each the location of the transaction was made in XXXX which I resided in XXXX CA. Immediately when I saw the transaction I called my bank and canceled the debit card I asked the representative I spoke to if I can do a deposit and they said I had to wait because the transaction were pending and there was a possibility that I can get my money back so I waited. Monday I placed my first dispute and Tuesday it was denied so I made another one that same day Wednesday it was denied. I asked to speak to a supervisor and explain the situation and told I have submitted proof of my ID, mail rental agreement showing were I clearly reside and police report and you are denying each rebuttal Ive submitted. I asked them to look in my history I do not have any transactions from XXXX and she clearly said yes, and it looks like those transactions have been made fraudulently and will submit another rebuttal and that was denied as well. Iv reach out to XXXX and they cant find the transaction in there system and I sent screenshots of the transaction that were made. They cant assist me.
Product: Credit card

I was a victim of credit card fraud by an international group of people. I received a authorization code from Bank of America and then they called me asking security questions and telling me that I was a fraud victim in the amount of {$6700.00} I was told that by cooperating they would remove the transaction and with my help catch the culprits. They coerced me to accept a transaction message saying that the only way they could process the case against the culprit and get the transaction removed was only if it was authorized, this was not made voluntary as I was not aware of this fraudulent nature and thought it was Bank of America. The following day when I noticed that the transaction was not removed i called the bank at which point I realized I was a victim of online crime. The bank representative told me they would resolve it in 90 days but declined, it's under review currently again. I hope justice prevails.
Product: Credit reporting or other personal consumer reports

To whom may concern, I am writing to formally request the immediate removal of closed accounts from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified several closed accounts that are no longer accurate representations of my finacial standing. These accounts have been fully paid off and are no longer active.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information contained in consumers ' credit reports. Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that information that is inaccurate or can no longer be verified must be promptly corrected or deleted from the consumer 's file.

Therefore, I request that you remove the following closed accounts from my credit report immediately : XXXX. XXXX XXXX XXXX Reason for Closure : Terms met account is paid.

Enclosed with this letter are copies of relevant documents, including proof of payment for these closed accounts. I trust that this documentation will assist you in promptly processing my request.

I am fully aware of my rights under the FCRA and expect the credit bureau to comply with its obligations to ensure the accuracy and fairness of my credit report. Failure to remove these inaccurate accounts may result in a violation of the FCRA.

I kindly request that you provide written confirmation once these accounts have been deleted from my credit report. Additionally, I would appreciate any updates or information regarding the status of my request.

Thank you for your attention to this matter. Should you require any further information or clarification, please do not hesitate to contact me at the above-listed contact information.

Thank you so much for your time.
Product: Mortgage

I submitted my XXXX payments to Ocwen Loan Co every month from the same Bank for a number of years. Ocwen has the information on file. My credit profile is marked more than 30 days late when in fact it was not. The mortgage co. put the wrong information into there system. When the wrong information was corrected the payment was recorded. 
The payment was paid before 30 days late and I have requested the removal of this error from my credit report to them several times but they refuse to correct there mistake. This is reported on my credit report as XXXX of 2014.
Product: Credit reporting or other personal consumer reports

I am urgently reaching out to inform you that I am a victim of identity theft, resulting in multiple unauthorized inquiries appearing on my credit report. These inquiries were made without my knowledge or consent, and I am requesting swift action to resolve this issue. 

Inquiries - 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  I have filed an official identity theft report with the Federal Trade Commission ( FTC ) and am formally requesting the removal of these fraudulent inquiries to restore the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX, i sent transunion a document concerning inaccurate and incomplete items they are reporting on my credit report.it was sent out usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX and was delivered on XXXX XXXX has been over a month and i have not heard anything from them concerning this matter, so they have violated the law by not reporting within the 30 days time period and i would like for the inaccurate items be deleted from my credit report.
Product: Mortgage

I purchased my home in 2005. My loan was sold and now it is with Bank of America. This bank was not reporting my full payments. They kept raising my mortgage almost as if they was trying to make me loose my home. I asked them for a loan modification several times. They told me not to make the payment so they can process my modification. I did everything they ask me to do and they just deny the modification every time for some false reason. When I show them that I did everything they ask, they start the process over and over again. This has been going on for too long.. Now they are trying to file forclosure on my home. The papers says XXXX VS ME. I never bought anything from XXXX. This bank is really trying to steal my home
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has 42 addresses on it. Some are duplicates or variations of the correct address. I have had my identity stolen in past and only want my correct information on my reports
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank is reporting a credit card installment on all of my credit reports but this card is not mine! 

I have never lived in a city with a US Bank account and have never had a US Bank Credit Card. 

I have reached out to US Bank to verify this debt on three different occasions, WITH CERTIFIED MAIL, and US Bank has not responded. I assume this is because they have my credit file mixed with another person, because this account does not belong to me. 

I have also disputed this with XXXX and US Bank 'verifies the account ' even after communicating with them that I have had email fraud, identity fraud, and mail fraud. 

This account MUST be removed or I will be retaining an attorney and suing for all economic damages from my $ XXXX loan high interest, high insurance premiums, and higher interest charges on my installment accounts. 

This account is NOT mine and I work hard for my credit score.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax

consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's r
ecent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCR

A ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against th
em for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My debt, which was an electric bill has been paid off for over a year I have called the electric company, national grid, and I have called the debt collector and still my debt has not been removed or marked as paid on my credit report. It is the only debt I have and it is stopping g me from moving forward. They have not helped me at all, so I was hoping you could.
Product: Credit reporting or other personal consumer reports

i put in my 30 day notice with previous landlord and a new one came in and charged me with XXXX worth of charges stating i didn't put in 30 day notice and saying i didn't pay rent for XXXX months when i did even gave me credit but still charged XXXX for some reason.
Product: Debt collection

In XXXX the account was opened and the original creditor was XXXX bank. In XXXX XXXX the account was sent into collections. The collections agency is Portfolio Recovery Associates LLC. I was in school at the time and unable to keep up with the payments. However, I am trying to clean up my credit score and when I called them to make a payment arrangement they told me they have now hired the law office of XXXX XXXX XXXX to sure me. They went into my bank account twice and took over {$1000.00} each time however the money was exempt because of wages so the court granted the money back twice. I have called them about XXXX times in the last year to try and make a payment arrangement and they always tell me they ca n't that its out of their hands and to call the law office of XXXX XXXX XXXX but when I call them they say the same thing or ask me to pay in full. Also I want to make sure the information is accurate in regards to the statute of limitations. I was young at the time but I am older now trying to fit these issues and this one seems to be the most difficult. On my credit report it shows that Portfolio Recovery Associates is the collections agency so I do n't understand why they can ; t just make a payment arrangement with me or settle. There is nothing on my credit reports about " the law offices of XXXX XXXX XXXX '' and I find nothing but bad reviews on both of them. I just want a clean slate and to end this nightmare. They continue to threaten me overtime I call telling me that if I do n't pay in full they 'll be coming after me for everything in the years to come.
Product: Debt collection

XXXX XXXX XXXX I do not know this consumer never talked to them or taken or borrowed money from consumer. 

XX/XX/2017 I send a dispute through credit karma they refuse to move from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to XXXX, XXXX, and Transunion on XX/XX/2023 requesting that they all remove late payments and student loan accounts from my consumer credit report as this information is listed in violation of the following consumer credit protection laws : 15 USC 1681 Section 602 which states that I have the right to privacy 15 USC 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written consent. *15 USC 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose. In addition, I requested proof of how information regarding the listed bankruptcy was furnished, and have not received a response from any of the bureaus. The listed information is in direct violation of my consumer protection rights as I have never authorized them to list this information, on my credit reports, and was informed that this information was never supplied to any consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

I signed up on the phone at Bank of America for a promotional rate of 0 % on {$16000.00} for a year. It was for a car project that has not to this date yet been completed so the money has been sitting in my checking account the whole time. When I called to find out how much longer I had 0 % interest they told me that half of the loan was accruing interest to the level of {$820.00}. I inform them that I was never told and when I checked my statements for the first couple months it showed no signs of interest and if I'd known this I would have put the {$8000.00} back immediately. At the end of the phone call I put the {$8000.00} back on my card but I feel I have been unfairly charged this interest that it was almost scam level to do something like this. I told them I would never be using a Bank of America promotional offer ever again for the rest of my life and I have been with them since XXXX. I still have the other {$8000.00} in my account to pay it back in its entirety but I do believe that I am owed {$820.00} total interest that I have paid this year as I have instantly paid off the balance more than monthly sometimes actually every couple of weeks for any charges that I I make using the card keeping the balance at an even {$16000.00} as much as I can for the entire month. I can't believe such a large institution would commit such XXXX scams like they are a local fly by night finance institution located on the corner for a couple of months. the most disgusting part of the whole thing is that I never even use the money it was sitting in my checking account the whole entire time. Please help, this is completely unfair for such a large institution to practice such business methods to try to scam people out of every dollar that they can.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called transunion numerous times and they have yet to remove these unauthorized inquiries from my credit report.
Product: Money transfer, virtual currency, or money service

My account was unnecessarily locked on XX/XX/XXXX in my CashApp account ( appears to be a DBA of Squarem Inc. When you request it to be unlocked it states the turn around time is about 24 hours. It's been a week and still no unlocked or a response. I have sent DOZENS of email. Only one time did a get a response one that asked me to answer some questions, i did that, and still nothing back after that. I have also tried calling, emailing, messaging in XXXX & XXXX & XXXX all with no response. I spend HOURS last week trying to get this resolved. I have over {$700.00} in my Cashapp i need to pay bills with. I need my account unlocked
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX Inquired on XX/XX/2021 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$490.00}
Product: Credit reporting or other personal consumer reports

I XXXX XXXX. XXXX contacted Equifax via certified mail on or around XX/XX/XXXX and XX/XX/XXXX that there were inaccuracies reporting on my credit profile to do with a late payment from XXXX which is a closed account and also a XXXX  record that is reporting inaccurately. I submitted a dispute letter on XX/XX/XXXX to Equifax as follows : Dear Equifax : My name is XXXX XXXX XXXX. This is a letter to request the reinvestigation of the above confirmation number in reference to the XXXX XXXX from a Chapter XXXX XXXX on XX/XX/XXXX. I previously disputed this public record and according to the Equifax credit file dated XX/XX/XXXX, the XXXX  Record information is verified and obtained through a XXXX XXXX. The results of your investigation through XXXX are inaccurate because the report that I have from XXXX does not have any bankruptcy records reported under my name. The bankruptcy is still on my credit file from Equifax and this is entirely inaccurate and as such represents a very serious error in your reporting. This is a direct violation of my rights under the FCRA as the information must be reported with XXXX XXXX  accuracy. According to the XXXX Credit Report XXXX all information must be reported with XXXX XXXX accuracy. This public record must be deleted from the report as soon as possible or you will be sued to the fullest extent of the law. I further understand that you must complete your re-investigation within XXXX  days of receipt of this letter ( 15 U.S.C section 1681i ( a ). ) Once you have deleted this record, please send me a copy of an updated report. Thank you for your assistance. I personally signed and sent this letter. Sincerely, XXXX XXXX Equifax responded on XX/XX/XXXX that as a result of a reinvestigation that a XXXX XXXX  remains on the credit file and that the records are obtained through a XXXX XXXX vendor, XXXX. According to my XXXX Report from XXXX there is no XXXX  reported in section XXXX  of my consumer records. I contacted Equifax to dispute the inaccuracy because in their letter they indicate that they verify the public records through XXXX of which there is nothing reported as far as a XXXX  but Equifax is violating my rights as the information must be reported XXXX XXXX accurately and they are continuing to report this on my credit file. I have also disputed the late payment of XXXX which is a closed account and this is not being reported by XXXX or XXXX. My credit file is supposed to be reporting accurately across the board with XXXX XXXX  payments and Equifax refuses to correct this late payment status on my credit report.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. XXXX XXXX XXXX Partial Acct # XXXX ....
Product: Checking or savings account

Bank of America is illegally withholding my funds from my account they placed a 48 hour hold on the account XX/XX/23 and stated that it will be off XX/XX/23 when called on XX/XX/23 they told me there is no certain time and I just have to keep calling to see when it has been lifted and they dont have the number to the back office they have to just email and wait. Im have to pay my bills Im loosing my car and they are preventing me from paying off the car so it can be in good standard by freezing and withholding my funds.
Product: Credit reporting or other personal consumer reports

Lendmark Financial was in ledigation with my Attorney for selling XXXX XXXX XXXX with no original Title to be presented in a Timely manner. ( Car had been Voluntary Returned ) by me to XXXXXXXX XXXX Branch to Manager XXXX. When Attorney took on case due to Severe Damages to Car with Great Maintenance issues. Found Auto had been Total Lost Damages in Auto Wreck in XXXXXXXX XXXX. ( proof of documents shared with Lendmark on hand ). Auto was Discharged as Agreed after Litigation. BUT Lendmark DID NOT REMOVE Account from Credit Reports as Requested. Left my Credit Reports with Negative Information that's keeping me from another purchase as if I was Negilant on my purchase of Auto Loan. I sent a Letter to this Finding on my Credit Reports to Lendmark on XX/XX/year> to complete the Removal Process of Account Off MY Reports. I've Not heard back from Lendmark to Complete Their Responsibility to the Order of the Case of Removing Account from XXXX, XXXX, XXXX. IT NEEDS TO BE DONE IMMEDIATELY. I have to make a car purchase to sustain my Personal Life Needs ( Employment # 1 ) .ASAP HELP NEEDED.