23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Someone applied for a credit card in my name with capital one. I never applied for any credit card with them on the date of XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting
Product: Checking or savings account

I opened a high-yield savings account, made three deposits, and my account was unfairly blocked because of a mistake in my name. 
My money is stuck and I can't withdraw it The first transfer was made on XX/XX/XXXX for an amount of XXXX dollars The second transfer was for an amount of {$3.00} on XX/XX/XXXX The third was carried out by XXXX on XX/XX/XXXXXXXX XXXX XXXX
Product: Bank account or service

Bank of America ( BofA ) stole money from my account and refuse to refund the entire amount. Long story short, BofA assessed overdraft fees on my account, but my account did not reach a negative balance. I have attached screenshots evidencing that the account did not reach a negative balance. I called the customer service dept and they did refund XXXX of the overdraft charges, but refused to refund both. At the end of the day, I will no longer be utilizing this account and have changed my direct deposit to another bank, but wanted to make sure others are aware of the fraud occurring at this bank. ( and this is not the first time this has occurred )
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX - {$18000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$370.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$130.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$1000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

An online bank account was opened in my former name with a zero deposit, but with my proper social security number. I have successfully closed the bank account, but am trying to stop further events like this from happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I TRIED TO BUY A CAR FROM XXXX RECENTLY, AND WAS TOLD I WAS APPROVED FOR XXXX XXXX XXXX. XXXX WITHOUT MY PERMISSION PULLED 11 OTHER HARD INQUIRIES.
Product: Checking or savings account

On XX/XX/2023, my wife and I went to Fifth Third Bank on XXXX XXXX XXXX in XXXXXXXX XXXX to open a 5-month CD and sat with XXXX XXXX XXXX Personal Banker I who did the paperwork to open this account. As you can see by the attached letter we received from Fifth Third dated XX/XX/2023, it shows that our CD maturity date was XX/XX/2023 ( today ) and the redemption value is {$12000.00}. We went into the bank to pick up our cashier 's check today and close out the CD account, XXXX XXXX told us the amount he showed we were to be paid was {$12000.00}. We showed him the letter we received with the amount we were due as {$12000.00}, they were shorting us {$12.00}. XXXX called his manager over to assist him, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX could offer no logical explanation as to why the amounts were different. He told us it would take a couple/few days for them to try to figure it out and then would call us to come in and pick up our check. ( Attached is his email to us with his " explanation '' ). We told him we wanted interest for each day after XX/XX/XXXX since we wanted our redemption check today, and they were unable and could not provide us with OUR money! The incompetence that the employees at Fifth Third Bank have demonstrated has left us speechless. They are holding our money hostage because they can not figure out how to get us the amount due us since their computer is showing a different amount! How can a bank, any bank, be permitted to NOT return a customer 's money? This is a form of theft that should not be tolerated whatsoever.
Product: Debt collection

THE CHARGE OF {$530.00} DATED XX/XX/XXXX DOES NOT BELONG TO ME. I HAVE CALLED THE CREDITOR NUMEROUS TIMES IN REMOVING THIS AND I HAVE BEEN TOLD THAT THEY HAVE PROCESSED THE REQUEST TO HAVE IT REMOVED AND STILL HAVE NOT! 
CLEARLY THE CREDITOR HAS APPLIED THIS DEBT FRAUDULENTLY ONTO MY CREDIT AND KEEPS INDICATING THAT IT WILL BE REMOVED. I HAVE EXHAUSTED MY OPTIONS IN GETTING THIS RESOLVED WITH THE CREDITOR. MY CALL LOG IS AS FOLLOWS- XX/XX/XXXX CALLED TO INFORM CREDITOR THE DEBT DOES NOT BELONG TO ME XX/XX/XXXX CALLED CREDITOR, WAS TOLD IT WILL BE REMOVED XX/XX/XXXX CALLED CREDITOR. WAS TOLD IT WILL BE REMOVED XX/XX/XXXX FILED A DISPUTE WITH EQUIFAX TO REMOVED XX/XX/XXXX CALLED EQUIFAX AND WAS TOLD TO REACH OUT TO CREDITOR, WHICH I DID AND ONCE AGAIN WAS TOLD DEBT WILL BE REMOVED IN 30 DAYS. 
XX/XX/XXXX FILED AGAIN A ONLINE DISPUTE WITH EQUIFAX.
Product: Credit reporting or other personal consumer reports

You are reporting inaccurate and incomplete information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. 
Can you please investigate the following information and either update it or at least send me the information that you used to add it to my report. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Student loan

Problem : In XX/XX/XXXX, Navient changed my Billing and Servicing address without my request, knowledge, or consent, to collect a bill on an open account. After contacting Navient, they responded that " they had the right to do so '' and were not obligated to send me a bill. They provided me a copy of my billing history which shows the change of address, again, without consent nor request, and the address where the bill was changed to was not correct either as it was missing the Apartment/Unit Number. I have resided at the same address since XX/XX/XXXX and have never moved. By not receiving account statements from Navient, i was not notified for three months about the status of the account, which caused it to report to the credit bureaus as an account that was late over 120 days. Navient does not have the right to change a customers billing address in their system on an open account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report : 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

Following the review of my Experian credit report, I wrote to Experian on XX/XX/2023 via Certified Mail XXXX XXXX XXXX XXXX XXXX, requesting verifiable proof that I opened an account with the creditor, Dept of EDXXXX that was appearing on my credit report XXXX times. Experian never provided the proof and to this date, the accounts remain on my credit report which is a violation of the Fair Credit Reporting Act. 

The creditor is listed as Dept of EDXXXX on my mailed copy of my credit report and or Dept of EDXXXX XXXX XXXX with the same account number XXXX XXXX times on my report with various amounts outstanding.
Product: Credit reporting or other personal consumer reports

Re : INACCURATE REPORTING To Whom This May Concern : Im writing you regarding to multiple discrepancies and inaccuracies on the accounts listed below that I have noticed on my credit report. 

Equifax Account Name - XXXXXXXX XXXX XXXX  ( CLOSED ) - xxxxxxxx XXXX XXXX Account Name - XXXXXXXX XXXX XXXX - XXXX XXXX Account Name - XXXXXXXX XXXX XXXX XXXX XXXX Equifax and XXXX is reporting that the account is PAID while XXXX is reporting the account as CLOSED. 

Equifax and XXXX is reporting that the account was opened on XX/XX/XXXX while XXXX is reporting it being opened on XX/XX/XXXX. 

Equifax is reporting a high credit balance of {$7000.00} while XXXX and XXXX are reporting {$8800.00}. 

Equifax and XXXX are reporting the status of the account as current while XXXX is reporting the status as late 180 DAYS and XXXX. 

Equifax is reporting a last report date of XX/XX/XXXX, XXXX is reporting a last date report of XX/XX/XXXX, and XXXX is reporting a last report date of XX/XX/XXXX. 

This account is being reported with different date of activity date and continuously being updated amongst each credit bureaus and is not properly verified or consistent. Equifax is reporting last date of activity as XX/XX/XXXX, XXXX is reporting the last date of activity as XX/XX/XXXX and XXXX is reporting the last date of activity as XX/XX/XXXX. 

You are negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section 611 ( 5 ) ( A ), you are required to DELETE all information that is inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. 

Please send me an updated credit report within 30 days of this letter.
Product: Credit card

American Express has advised the State of Florida that I have unclaimed property under my name for American Express prepaid cards under my name by will not provide the value on the cards to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX some XXXX had applied for XXXX credit cards under my name without my consent, Bank XXXX XXXX XXXX XXXX, Citibank XXXX I do not acknowledge any debts, Im a victim I want everything to be deleted. Thank you!
Product: Mortgage

On XX/XX/XXXX, XXXX XXXX XXXX of CrossCountry Mortgage, LLC XXXX XXXX XXXX, XXXX XXXX XXXX, Tn XXXX was given permission to perform a credit application on my spouse and I for pre-approved on a FHA loan. Once CrossCountry Mortgage obtained a copy of both credit reports an agent representing CrossCountry Mortgage named XXXX XXXX contacted us. The Agent advised us that there were some things we needed to have removed from the disputes department with all three credit bureaus before approval. After starting the process of having the items removed from our credit reports the scores began to decrease rapidly within two weeks into XXXX of XXXX. Therefore, we contacted XXXX, XXXX, and XXXX on XX/XX/XXXX of XXXX, to inquire why our credit scores were taking a fall. All three Credit Bureaus advised several hard inquiries perform by CrossCountry Mortgage and XXXX XXXX was reason for the decrease in our credit scores. We advised all three credit bureaus that only one credit pull was authorize by us in order to get approval by CrossCountry Mortgage. The all three credit bureaus supplied us with dates and times The CrossCountry Mortgage performed each inquiry and mailed us paper copies of our report via USPS to our home address. Before we could address CrossCountry Mortgage to voice our concerns about the excessive inquiries made on behalf of their agent XXXX XXXX XXXX ; The CrossCountry Mortgage provided us with an email pre-approval letter on XX/XX/XXXX. Therefore, we didn't question XXXX XXXX XXXX the agent for CrossCountry Mortgage about the excessive inquiries, who was only given one authorization to pull our credit. After finding a home located at XXXX XXXX XXXX XXXX XXXX, TN XXXX, we placed a down payment of {$2000.00} dollars of earnest money for the home. Nevertheless, before closing, a vender was hired to inspect. XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, TN XXXX, Owner XXXX XXXX XXXX conduct a home inspection on XX/XX/XXXX invoice to us. On XX/XX/XXXX, we received a call from a XXXX XXXX XXXX, an agent representing The CrossCountry Mortgage. XXXX XXXX advising, he would be completing our mortgage final obligations for CrossCountry Mortgage. On XX/XX/XXXX, XXXX XXXX called to say we did not meet the financial obligations due to our credit scores not qualifying. At this point we advised XXXX XXXX The CrossCountry Mortgage Company was responsible for the decrease in our credit score. Therefore, we voiced our concerns about their companys work ethics. XXXX XXXX continue with no hesitation to explain the at fault CrossCountry Mortgage and the termination of agent XXXX XXXX who is no longer with The CrossCountry Mortgage Team along with his deepest apology. On the very next day we called to speak with XXXX XXXX XXXX to file a complaint ; however, after several no contact with XXXX XXXX we sought out advise. Furthermore, the reason for filing a complaint with The Consumer Financial Protection Bureau XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


Account Name : XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with XXXX compliance standards, I kindly request that you provide me with the XXXX compliance disclosure governing the reporting of transactions to a consumer reporting agency. 
Furthermore, I insist on the immediate removal of the transactions reported in XXXX and XXXX from my consumer reports, as they are in clear violation of federal law. 
Before you consider responding with a request for validation, please understand that my query does not pertain to validation or verification. I expect no further delay in addressing these pressing concerns. 
Additionally, I draw your attention to 15 USC 1666b ( a ), which explicitly states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Given this provision, I reiterate my demand for the deletion of the above-mentioned transactions from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately. Thank you. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act incorrect information reported to my consumer reports violates my rights ; 15 U.S.C 1681 section 2 ( B ) States a person shall not furnish information relating to a consumer if the person has been notified by the consumer that specific information is inaccurate.
Product: Credit reporting or other personal consumer reports

I request XXXX XXXX report and upon read this report I noticed that over XXXX transactions from my bank reporting on this report. These transactions consist of my bank account transactions history.These transactions were provided by the Banks in which I bank with. According to these bank privacy terms and conditions they stated that my information will not be shared with any third party. I am also aware that this is a violation under the privacy act. XXXX XXXX is a third party and for my banks to unlawfully give out my personal spend transactions without my written consent or knowledge is a complete violation of my rights as a consumer. XXXX XXXX XXXX XXXX has reported XXXX of my banking transactions, PNC bank has reported XXXX of my banking transactions, XXXX XXXX is reporting XXXX of my banking transactions and XXXX XXXX XXXX  is reporting XXXX of my banking transactions all together, along with two other banks that I have not currently list. I have provided documents of each transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XX/XX/XXXX Lexis NexisXXXX RE XXXX Requesting a Method of Verification Letter To whom it may concern : XXXX has confirmed that Lexis Nexis has verified the accuracy of a reported bankruptcy that is being fraudulently reported on my consumer report without my written authorization. I am requesting proof of this alleged bankruptcy that Lexis Nexis continues to report as accurate and verified to outside credit agencies. This act is not only a violation to the FCRA, but it is also illegal. For this reason, I am requesting deletion of this record. 

I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am certain that the item I disputed is unverifiable and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 

I am very interested to learn how your investigators arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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

The account listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. This account were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

XXXX XXXX XXXX Balance : {$1700.00}
Product: Credit card

I was supposed to receive a credit card which I never received but was told I had made no payments and I made the payment that minute but it was put on my credit report and I want it off
Product: Checking or savings account

Okay from XX/XX/2024 to XX/XX/2024 I had unauthorized transactions on my chime account. Now remind you I had lost my phone on the XXXX that had all my information in it which means it's easy access to anyone to get on. I had to buy another phone on the XXXX of XXXX to realize all my money was gone. So I filed a police report even had a receipt on buying a new phone. I gave chime all the information I got and they declined my deposit saying they don't see no occur error made, like really are you serious right now. The amount that's been taking out my account was {$4000.00} sum.
Product: Credit reporting or other personal consumer reports

I did not give Equifax consent to furnish the enclosed Accounts, nor the related data associated with the Accounts, on my consumer report. According to the Consumer Credit Protection Act, 15 U.S Code 1681b - Permissible purposes of consumer reports, subsection ( a ), Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. Since Equifax furnished the enclosed Accounts, with their related data, on my consumer report without my consent, Equifax has violated my privacy as a protected consumer. No consent is identity theft and misuse of my non-public personal information. Also, since subsection ( a ) of 15 USC 1681b is subject to subsection ( c ), Furnishing reports in connection with credit transactions that are not initiated by the consumer are limited to : ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor. The enclosed accounts furnished in my consumer report include relationships and experiences with different creditors and is a violation of the Consumer Protection Act. As a result of Equifax 's failure to comply with the Consumer Credit Protection Act, 15 USC 1681b, my unalienable right to pursue happiness has been hindered. I have been denied access to purchase an automobile, perform much needed repairs on our home, and set up infrastructure for a new business venture because of Equifax 's willful non-compliance. As a consumer protected by the Consumer Protection Act, I demand for Equifax to remove only the accounts enclosed in the attached document from my consumer report IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a living human being, a natural person ;. I have rights under consumer law 15 USC 1681. Equifax is governed by 15 USC 1681 and have violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681 ; I have the right to privacy. also, I have not given Equifax written consent nor permission to furnish these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX