23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX XXXX Recently , I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
Product: Credit card or prepaid card

Dear CFPB, Claim | Dispute : XXXX Please allow this letter to be the explanation for the case above. I purchased some perfume from XXXX XXXX Back in XX/XX/. I did not received the full order and returned what they sent me. I contacted them many time from XX/XX/XXXX to XXXX XXXX, XXXX  to resolve the matter but I could not get a resolution from them. Therefore, I filed the dispute above with American Express on XX/XX/XXXX  to get the case resolved. It has been more than 6 months and American Express still can not resolve the case. In XXXX, XXXX, they requested me for more information and I already sent them. Since then, I keep sending them proof and documentation clearly prove that I did not receive the whole order. The evidences are from XXXX, XXXX XXXXXXXX confirming that I only received one of the package they sent. The proof from USPS that I returned the items. There is also an email from XXXX XXXX directly confirming the return of the items and promised me a full refund. I have no idea why American Express could not resolve the case. This should be a very simple case.
Product: Checking or savings account

I have 3 bank of america accounts : a checking account, a savings account, and a credit card. 

I transferred about {$6.00} too little from my savings into my checking account before paying my credit card. 

Bank of america charged me a XXXX $ overdraft fee because i had a - {$6.00} balance in my checking account after my credit card was paid. 

Now I am struggling to pay the XXXX $ fee, when I did have enough money in my savings account to pay the credit card bill in the first place. 

Bank of american refused to refund the overdraft, which I thought they should of because they should see ( since all my accounts are with them ) that i was just paying their credit card, and i have enough funds in my savings account for that transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, {$520.00}. XXXX  is both a credit report and Collection agency as per conversation with Experian and XXXX. XXXX XXXX. aka XXXX took on a third party contract ( which XXXX  failed to disclose any info regarding this purchase from XXXX XXXX so, I can proceed with legal action ). My findings from Experian stated XXXX was acting on the collection agency side on the date of submitting to the bureaus. XXXX  XXXX abused their powers as both a collection agency and credit bureau by violating the FDCPA ( Fair debt collection law ). XXXX  failed to notify me about the third parties collection claims or give me the right to dispute or produce information that I was a victim of identity fraud and I don't have bad debt. Instead, XXXX made false and misleading documentation of both reporting and submission to the other credit bureau 's including their vary own and no allowing me to dispute this on their website. After receiving info from Experian that XXXX  was the agency to contact, I spoke with XXXX  on XX/XX/2020. XXXX  advised me that the collection was removed and it was sent back to the third party company that purchase the debt from XXXX XXXX. However, when I first made contact with XXXX  the agent stated, This is an an attempt to collect a debt. '' Meaning this was truly the agency as advised by Experian that violated my RIGHTS and Abused their authority to both collecting and reporting to the Bureau. XXXX  refused at that point to give me requesting info to the name ( address or phone ) of the company they were collection on which further violates the law. All XXXX  advised of it would remove info from my credit ( nothing was stated about the other two credit reporting agency XXXX and it would return the account back to the third party agency as a dispute and they would send out a fraud affidavit. I stated if you would have did your job by notifying per the FDCPA ( Federal Trade Commission ) you would have had my police report and FTC report on the identity Theft..****XXXX  HAS VIOLATED MY RIGHTS AND HAVE USED COVID19 to try to get away with their ABUSE AND MISUSE OF THEIR POWERS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Barclays Bank account # # XXXX, date openXX/XX/2018, status open. I open an account with the mentioned company on XX/XX/2018 for some XXXX items and the card has a credit limit of {$2500.00}. On XX/XX/XXXX I had a balance of {$1700.00} on XX/XX/XXXX I had a balance of {$1700.00}, on XX/XX/XXXX I made a payment of {$1000.00} leaving a balance of {$790.00}, on XX/XX/XXXX a had a balance of {$820.00}, on XX/XX/XXXX I made a payment of {$820.00} leaving account in {$0.00} balance, not even imagining that Barclays Bank was going to report to credit bureaus a late payment for the amount of {$27.00} on XX/XX/XXXX of 2018. There was also no notice that I'd be reported to credit bureau or anything, just what seemed like 3 silent months of late fees racked on while I sat around thinking balance was {$0.00} the whole time. Just the fact that I was not notice of late payment insertion to credit bureaus is a violation to the California Reporting Act. Any reasonable business would not report a late payment of {$27.00} ( which I had no idea they even existed ) knowing that I have a {$2500.00} limit credit card in {$0.00} balance. Do you really think that I wouldnt have paid those {$27.00} knowing that I had to? This is business/tort and unfair business practice and I want my financial freedom back and Im not planning to be tied up because of a banks mistake. I do not have any other complaint against Barclays Bank and would like to continue making business with them, all I want is to remove that late payment which should not be there in the first place. Im attaching a copy of my account in my XX/XX/XXXX report so Barclays bank can see their mistake and fix it as soon as possible. I have a {$300000.00} home loan pending for this mistake so please lets avoid legal actions here. I would also like to be provided with a deletion letter from Barclayss bank through CFPB portal. Im also attaching an unfiled SC-100 that I will file in the event that negative mark remains in my reports. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2016 I gave my apartment complex a 30 day notice in persona nd filled my paperwork out. I moved out and they claimed I never gave them notice and put a {$900.00} collection on my credit report which I eventually did pay as I want to protect my credit score. Six years later is still costing me crucial points to get the best pricing and rates as I have been told its costing me 80 to 100 points. I really need your help here.
Product: Debt collection

I have been called multiple times by XXXX XXXX  in an attempt to collect a past due balance. They have called more than 3 times in one day, and often times call from an " unknown number '' just to see if I will answer. I have also been laughed at over the phone by their most recent representative, and have been told misleading information about the balance owed and how " past due '' it is. She also stated " We will continue to call every day until this is caught up. '' The calls have been made on : XX/XX/2019 @ XXXX 4 times Wednesday, XX/XX/XXXX @ XXXX, XXXX XXXX, XXXX, XXXX, and XXXX 3 times Tuesday, XX/XX/XXXX @ XXXX, and XXXX. I have multiple records of these repeated phone calls and have been called more times than this. The most recent attempt was by far the worst. The employee laughed in my face, falsified the amount owed, falsified the payments past due, and failed to tell me who she was until midway through the conversation. The previous call on Wednesday, the employee apologized and said they would not be calling anymore because I made the payment, but then this employee calls again saying they will continue to call and that I was still 2 payments behind, which is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report early last month and noticed names, addresses, phone numbers, and accounts that were not mine. I started the dispute process with each creditor and all but one agreed that it was not mine. One agency allegedly verified that it was in fact my debt. I called them to determine how they decided it was my debt, and they confirmed with me that my name and social is not in their system having any debt with them. 

During my research I noticed that all of these accounts that were not mine were added to my Experian credit report on a single day. When I asked Experian representatives how this could have happened and why someone from California with a long history of good credit and no association to any of the locations where the bad accounts were from could suddenly have this amount of bad information added at one moment and this not cause any sort of alarm bells or investigation on their behalf, they refused to give me an answer.
Product: Student loan

There are several issues I have encountered with MOHELA.

1 ) I have tried certifying my PSLF employment and months later nothing has changed and they have the incorrect date of employment ( it should say ends at current since I still work there but it says 1901 ). 

2 ) I have repeatedly received conflicting information about what is owed on my loan. I have received emails in the same week, one saying my balance is {$0.00} and the next saying my account is delinquent {$710.00} due to two missed payments. My online portal says I owe {$0.00} and have {$0.00} late payments but when I attempt to call the automated message also says my account is delinquent. I was sent a letter in XXXX saying I was in administrative forbearance, so after that I messaged through the message center asking to confirm this information since I was receiving two different stories via email and mail but no one ever answered my request.

3 ) I applied for the SAVE plan late XXXX and it has yet to be processed. I repeatedly receive emails and paper mail asking me to apply for an IDR when I already have. 

All of this has caused great confusion when I am attempting to do the right thing and ensure I am paying the correct amount when owed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion says I owe money to XXXX XXXX and XXXX XXXX!! Both accounts are paid off ; however, they refuse to correct error!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Checking or savings account

I'm a XXXX XXXX resident who lost his job due to pandemic and have been recieving unemployment benefits while the job hunt continues. 
On the evening of XX/XX/2021 I went online to check my available balance on my debit card and noticed my card was locked due to suspicious activity. My account showed out of state/unathorized transactions that had occured just hours before .Actual ATM withdraws & other unexpected/irregular actions. This card was physically in my possession the entire time, how was someone else using it at an ATM out of state? My guess, because they don't have the chip and it's an easy target for scammers! But still, how was my account information put into the scammers hands, where did they get it? Plus, my pin # has NEVER been shared with anyone. 

I opened a claim as soon as they opened in the morning and I reported all the unathorized charges because in the information provided to me with the card stated that I was protected by a " zero liability '' policy.

The total amount stolen is just over {$400.00} and was everything I owned. Unfortunately one of my charges for ~ {$130.00} was still pending and they wouldn't let me include it in my claim, said I had to call back once it cleared. They were making me watch it!! Another problem was, one day later the account was closed and I was unable to watch the pending charge clear. I decided to call the merchant that was processing the transaction & the employee remembered that exact transaction the day before. Told me a XXXX woman with XXXX kids swiped it and it was also matched to her indentification. 
One day later my Bank of America claim was closed and obviously zero investigation was ever pursued. 

I am now going on almost a month with frozen benefits and keep getting the runaround and how to fix it. Talk to Bank of America and they say talk to XXXX. It is a disgusting finger pointing blame game. They are supposed to be partners! Employment departments BPC center did ask me email ID documents and I was told to expect a call back when the information was reviewed in 5-7days. Today, after 9 days waiting on that, I decided to call them and check up on whats going on. Of course my documents had still not been processed or even touched. I am being punished for being a fraud victim, completely think I would've been better off just ignoring the fraud and withdrawing the funds immediately from the card. We have no other option to receive these payments and are forced into these debit cards. 
*I would like to know why Bank of America is not investigating our unemployment fraud claims and what makes them exempt from the " zero liability '' policy that is explained in the paperwork sent with our cards? Why is their such poor communication with the unemployment dept and Bank of America? I know I am one of thousands others going through the same scenario. See here -- -- -- > XXXX XXXX XXXX XXXX XXXX fXXXX Thanks XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Fraudulent charge put on account XXXX/XXXX/2016 for XXXX XXXX {$540.00} I contacted CITI Bank who cancelled my card and sent me a new card with a new account number, but have not removed the fraudulent charge.
Product: Credit card or prepaid card

I was recently added as an Authorized User to an American Express credit card without my knowledge. Reading the FDIC website for consumer protection Section 226.12 paragraph 12 ( a ) ( 1 ) states that a request or application for a card must be explicit. However, # 6 of the same paragraph allows the primary cardholder to request a credit card for anyone else. 

Apparently the exploitation of this legal-ese grey area allowed the credit card to be opened which then caused my credit score to decrease by nearly XXXX points ; in effect holding ME financially responsible for its use. 

When the account appeared on my credit report I immediately reported this to the credit bureaus and the CFPB : as not being my account, nor did I submit an application, or give approval to be an authorized user. The response from American Express to the CFPB complaint was that they are reporting accurately. 

My question isHow can an issuer give credit without authorization, affect my credit by reporting an account I did not authorize, and advise they are reporting an account accurately? Is that some type of childish word game? e.g. their response was almost mocking ; it may be fraud, but were reporting it accurately! 

I called the CFPB when I received the complaint response and was advised to write the FTC. Per their suggestion I have written the FTC the details of the unfair practice. 

I would like to submit this complaint/ account as fraud to stop any reporting to my credit report. I, again, did not request this account, have ever requested credit from American Express, or have knowledge of its opening, not will I ever request an account from American Express in the future. Also, all this was done while my credit line was purposefully frozen. 

My next course of action is a local consumer protections attorney as I am currently loan shopping. This fraudulent account ( and credit score reporting ) is causing a burdensome financial impact by affecting my chances at better tiered rates.
Product: Credit reporting or other personal consumer reports

i am a victim of XXXX XXXX for years now. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Victim of XXXX XXXX - and Removal of XXXXRelated Accounts/Debts Dear XXXX : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to inform you that I was a victim of XXXX XXXX perpetrated by XXXX XXXX. The XXXX  occurred while I resided at XXXXXXXX XXXX XXXX XXXX XXXX XXXX During this period, XXXX XXXX, who can be reached at XXXX and XXXX, used my personal information without my consent to open fraudulent accounts and incur debts in my name. I am now working to rebuild my life and financial stability, and I request your assistance in addressing the negative impact this has had on my credit report.

I am requesting the following actions : * Investigation and removal of all accounts and debts that were fraudulently opened or incurred by XXXX XXXX : I believe the following accounts are fraudulent : * XXXX XXXX account number : XXXX * XXXX XXXX XXXX XXXX account number : XXXX * XXXX XXXX XXXX account number : XXXX * Provision of copies of all fraudulent applications and supporting documentation : This information will be helpful in my ongoing efforts to pursue legal action against XXXX XXXX and recover from the financial harm I have suffered.

I am in the process of gathering supporting documentation related to the XXXX  and will provide it as soon as possible. I understand that additional documentation may be required, and I am willing to cooperate fully with your investigation.

I would appreciate it if you could expedite this request given the sensitive nature of the situation. Please contact me at the phone number or email address above if you require any further information.

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent certifed mail that I have attached to TransUnion the Affidavit of Dispute and Fraud Claim for Collections and Charge Offs Reported
Product: Vehicle loan or lease

This is a written notice to XXXX XXXX who acts as COO of XXXX XXXX XXXX  that I the consumer who acts as the agent for XXXX XXXX am invoking my right to rescission. I rescind all signatures, endorsements, and consents of the use of my information there of. My right to privacy has been violated, certain disclosures about the interest of my own goods were not given to me, and conspicuous disclosure about the finance charge was not given to me. I demand all payments, and money be returned by check, I also demand the cancelation of my contract with you, and everything stated above mailed to the address of XXXX XXXX in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1682 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose