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

Regional Acceptance has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. XX/XX/year> 2023
Product: Checking or savings account

My checking and savings account that I have through the Bank of America was compromised online on XX/XX/2018 by a person or persons from XXXX. The bank failed to provide adequate security over my account with the initial transactions when the individual ( s )  transferred 3 large sums of money from my savings account into my checking. It wasnt until after the transfers that I received an alert informing me that there was unusual activity on my account, which I believe should have caused the bank to freeze my account. This did not happen. I informed Bank of America that the transactions were not made by me and that I also I noticed that someone had successfully completed over 300 transactions and started buying XXXX with my checking account. I went to one of the banking centers and was informed that I could not be helped and my questions and concerns were promptly dismissed which led me to file a complaint against the manager and the employees with their area director which turned out to be fruitless. I have called the BOA debit card fraud department and was hung up on after being told by multiple managers and employees that there was nothing that could been done to help me. I proceeded to go to another banking center where an employee has been trying to help me but management seems to treat her the same way and I it doesnt seem that they want to resolve this issue. I have been repeatedly told by multiple managers with the debit fraud customer service call center that it is my job to figure all of this out. I had a XXXX XXXX last year, which I have disclosed to the people at Bank of America, and the endless battle of being constantly dismissed and losing such a large amount of money has caused my stress levels to increase dramatically. Yet it seems that they still refuse to help me. Can someone please contact me regarding what steps I can take to correct this blatant disregard for my financial well-being and personal health. I have {$18.00} of my funds that are unaccounted for and I would appreciate any help with this matter because the bank has said it is up to me to figure out how much funds are missing and how to go about receiving resolution but I see no way to do this if they will not listen to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and is not filed by a 3rd party. 

In accordance with the Fair Credit Reporting act XXXX these accounts below 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. 1. Account Name : XXXXXXXX XXXX  XXXX Account # XXXX 2. Account Name : XXXXXXXX XXXX  XXXX Account # XXXX 3. Account Name : XXXX Account XXXX XXXX 4. Account Name : XXXX Account # XXXX 5. Account Name : XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX Account # XXXX 7. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX 9. Account Name : XXXX XXXX XXXX  Account # XXXX 10. Account Name : XXXX XXXX  Account # XXXX 11. Account Name : XXXX Account # XXXX 12. Account Name : XXXX Account # XXXX 13. Account Name : XXXX XXXX Account # XXXX 14. Account Name : XXXX XXXX Account # XXXX 15. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX  Account # XXXX
Product: Credit reporting

Transunion Credit Bureau is not updating my information in a timely manner I.E ... ..monthly This is a violation of the Fair Credit Reporting Act My current open accounts XXXX and XXXX are current through XX/XX/XXXX however the last activity Transunion is reporting on the accounts are from XX/XX/XXXX
Product: Credit card or prepaid card

I used my social security XXXX XXXX card to retrieve my money from my local capital one banks atm machine. I entered the amount and it said the transaction was complete and proceeded to dispense my money, but the cash door kept repeatedly opening and closing and then a message popped up on the screen saying withdrawals are unavailable at this time. It never gave me my withdrawal. I preceded to go inside the bank and they gave me a XXXX number to call about the issue. They told me to contact my bank and I did so. They were supposed to mail me a paper to dispute this transaction and I still havent heard anything. This happened on XX/XX/XXXX of this month. I am just wanted the atm responsible to give me my money back.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated following Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately my identity was stolen I need help one bureau, XXXX  has saw fit to delete the derogatory information from nelnet. But XXXX & XXXX  are giving me a hard time I'm a XXXX single mother of XXXX, I dont even have a XXXX. Below is the information & proof of who stole my identity & almost got me pur in XXXX, XXXX XXXX was my Care taker. Until she broke into my house & stolen my rent money, & now I'm almost homeless. Please help my family!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently was reviewing my credit file and noticed that my account with Capital One had closed and had a few late notations. I had set up automated payments through the online systems and thought that i was good to go. I was not aware the account was delinquent nor was i aware that the account was closed. I was never contacted about a past due balance or about the account closing. I would like Capital One to remove the lates from my credit file, they are erroneous. I set up automated payments to be drafted through he online systems and payments were not being drafted.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : CFPB # XXXX ( the " Complaint '' ) XXXX XXXX, Customer Experience Advocate TD Bank, America 's Most Convenient Bank -made the following statement. 
TD Auto Finance is required to report all accounts fairly and accurately per the Fair Credit Reporting Act. Therefore, we are unable to remove any accurately reporting information from your credit file This statement is not true, when I responded to Hopes response and asked her why she made this false and very misleading statement, she completely ignored my question. Here response was we may report to the credit bureau. 
This statement is a violation of 15 U.S Code 1692e - False or misleading representations. 
This violation comes with {$1000.00} fine Also, please, The notice that was sent to me regarding FCRA 623 ( a ) ( 7 ) ( G ) ( i ), notice either before you furnish the negative information or within 30 days of furnishing it. 
If you are unable to provide me the notice listed above, then it is a Violation of code FCRA 623 ( a ) ( 7 ) ( G ) ( i ), I ask that Hope please remove all information from the credit bureau and pay the {$1000.00} fine for violation of 15 US Code 1692e and also pay the fine of {$1000.00} for violation of FCRA 623 ( a ) ( 7 ) ( G ) ( i ), Please pay both fines and remove all information from my credit report.
Product: Debt collection

This is so annoying & frustrating. Ive sent XXXX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been DAMAGE. List of items that are UNKNOWN to me : 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
Product: Credit card or prepaid card

I received an alert from my credit montoring company that a Hard inquiry was placed on my credit report on XX/XX/22. Once I checked I saw it was from BOA. I called XXXX to dispute the inquiry and they informed me a credit card was taking out in my name in XX/XX/22. I called bank of america immediately and canceled the card. I placed fraud monitoring on all XXXX credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reading my credit report I noticed false inquiries that were not made by me on my credit report. One from XXXX XXXX XXXX XXXX as well as XXXX XXXX Services. These inquiries were not made by me.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : 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

I closed my XXXX XXXXXXXX XXXX credit card on XX/XX/year>. It was removed from my payment history when it was last reported on XX/XX/year>. I also closed my Credit Acceptance account on XX/XX/year> and it was also removed from my payment history when it was last reported on XX/XX/year>. However, they both have reappeared on my payment history and have negatively affected my credit and ability to apply for other applications. I understand that it can show up for up to XXXX  years after closing, but once it is removed, it shouldn't reappear. If it would have shown up since I closed it in XXXX of last year and still on my report I would understand, but once it is removed and shows my payment history as 100 %, it should not randomly reappear months later. I disputed both companies through XXXX XXXX with my dispute reason being " I closed this account, payment history/rating is incorrect ''. Once the dispute came back, it was labeled as resolved and result was " Approved ''. However, nothing was corrected and the accounts still show up on my payment history. I would like both accounts to be removed like it was before and my payment history to be restored to 100 %.
Product: Debt collection

requesting a balance due of {$110.00} on behalf of XXXX XXXX XXXX XXXX XXXX that is not due
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : $ XXXX Charge off-
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Going over my consumer report I have notice you are reporting XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX on my report. 

I demand these accounts to be removed from my consumer report. I did not give you written instruction to report anything on my report so this must be removed ASAP. 

Violation of 15 usc 1681b ( a ) ( 2 ) -Permissible Purpose of consumer report as it states " In general subject to subsection ( c ), any any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

It is in fact that I am a consumer and did not give you any written permission to furnish these accounts on my consumer report.Which is my reasoning for you all to delete all accounts.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

I received a letter dated XXXX XXXX, XXXX that make false claims regarding an alleged mortgage : 1. Notice Pursuant to Fair Debt Collection Practices Act ( If Applicable ) 2. Bayview Financial having full authority to negotiate, amend or modify all terms of the loan 3. The alleged servicer Bayview Financial is the servicer for The Bank XXXX XXXX ( Trustee for XXXX, XXXX XXXX XXXX XXXX XXXX ). 
I have never heard of Bayview XXXX. I have never received any communication from this company related to this matter or an alleged loan serviced by Bayview XXXX. XXXX XXXX, XXXX is the first time I ever received any notice regarding an alleged debt/loan serviced by XXXX Financial. 
Furthermore, my research indicates The Bank XXXX XXXX has provided documented information to me and to the XXXX ) that confirms, they are not the lender, successor, investor to the alleged mortgage as stated in the letter. In fact, the alleged trust was terminated in XXXX. Therefore, the statement in the XXXX XXXX, XXXX letter regarding a document filed in XXXX XXXX, XXXX in XXXX occurred five years after the trust terminated. The statement in the Fair Debt Collection notice is in error and invalid. It is impossible to execute a transaction with a trust that does not exist. 

Additionally, the Power of Attorney related to the property, XXXX XXXX XXXX has been suspended and filed accordingly following judicial procedure with XXXX XXXXXXXX. 
I have no knowledge of any alleged parties of interest or the alleged loan referenced in the letter date XXXX XXXX, XXXX. 
The letter is threatening, deliberately misleading, inaccurate and harassing. It violates consumer protection laws. It is also a possible violation of FDCPA, XXXX laws and more.
Product: Credit reporting or other personal consumer reports

In early XXXX, I discovered an account from XXXX XXXX  on my credit report that I did not open or authorize. The account, reported as charged off, reflects usage and payments that were not made by me. I immediately filed disputes with the credit bureaus and contacted XXXX XXXX  to request evidence of my authorization for the account. Despite my efforts, the investigation concluded incorrectly, stating the account was valid. 

Under the Fair Credit Reporting Act ( FCRA ), Sections 611 ( 1681i ) and 605B ( 1681c-2 ), I have the right to dispute inaccurate information and have fraudulent accounts removed from my credit file. Additionally, Section 623 ( 1681s-2 ) prohibits creditors from furnishing false or unverifiable information to the credit reporting agencies. The presence of this account on my credit report violates these rights. 

I have also filed a police report and an FTC Identity Theft Affidavit to document this fraudulent activity. If this account is not removed promptly and corrective action is not taken, I am prepared to pursue legal remedies, including filing a lawsuit for damages resulting from the inaccurate reporting and failure to comply with federal law. I demand the immediate deletion of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet and now after reviewing my credit report I see someone has been trying to buy things using my personal information. I have not given any of the companies that are on here to review my credit for anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX who has been granted a Durable Power of Attorney ( Copy Attached ) by my sister-in-law, XXXX XXXX XXXX, to assist with her issue with Experian. 

On XX/XX/2022, a conference call was convened that included XXXX XXXX and me along with the collection agency, XXXX XXXX XXXX XXXX XXXX  ), reporting the derogatory markers that diluted the credit scores for the three national credit reporting agencies. The XXXX  representative agreed that there was a need to properly validate the legitimacy of the claimed amounts due as reported on XXXX XXXX credit profile. During the telephone call, the XXXX representative was unable to supply proof of the debt. Further, XXXX XXXX states that she had never received any statements or applicable communication regarding the debt, and was unaware of the claim until she performed a routine check of her credit profile. 

Immediately following the call, I immediately confirmed the conversation in writing and advised XXXX of their requirement to adequately prove the alleged debt as required by the FDCPA prior to attempting to collect the claim. I also placed Experian on notice of their requirement under the FDCPA of their requirement to either substantiate the debt or remove the affected derogatory markers. To date, neither XXXX nor Experian has made any correction to this matter or otherwise communicated with us. 

Further, Experian misclassified a HELOC loan as a credit card, inflating the credit card capacity ratio from the actual XXXX XXXX to an excessive and incorrect XXXX XXXX. 
The combination of the derogatory markers and incorrect capacity ratio calculation has severely diluted XXXX XXXX credit score to XXXX as of this writing, when the actual score should be in the mid 700s. 

More than thirty days has elapsed, and despite follow-up efforts, Experian has not removed the delinquency markers from XXXX XXXX credit profile, nor has the capacity ratio been corrected. It is noteworthy that XXXX XXXX has removed all of the derogatory markers from XXXX XXXX XXXX XXXX profile and properly calculated XXXX XXXX credit card capacity ratio with a score as of this writing of XXXX.