23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Bank of America for its deceptive practices, systematic violations of my consumer rights, and the continuous financial and emotional distress I have endured as a result of their actions. Below are specific examples of the ongoing issues I have encountered with Bank of America : XXXX. XXXX XXXX Records and Conflicting Correspondence : ** I have received multiple sets of transaction records from Bank of America XXXX which differ drastically from each other. The original transaction documents I was sent are entirely different from the more recent papers I received. This inconsistency in documentation is not only alarming but raises concerns about the accuracy and transparency of their internal processes. Furthermore, I have received contradictory correspondence via email and postal mail. Information sent in emails often contradicts physical letters I never received, leaving me confused and concerned about the authenticity of their communications. 

XXXX. **Unprofessional Delivery of Documents : ** Recently, I received a large box on my doorstep containing a disorganized pile of papers. The documents were haphazardly thrown into the box with no order or structure. This unprofessional delivery is unacceptable, especially given the sensitive nature of the documents involved. The careless delivery further indicates the bank 's neglect in handling my case with the seriousness it deserves. 

XXXX. **Repeated Receipt of Duplicate Documentation : ** I have also received the same documentation multiple times, sometimes weeks apart. This repetitive receipt of the same papers without any updates or new information suggests something deeply wrong with Bank of Americas internal processes. The repetition adds to my growing suspicion that there may be systemic problems within their claims handling procedures. 

XXXX. **Incorrect Address on Encrypted Documentation : ** I have only spoken to a Bank of America representative named XXXX XXXX. The only correspondence I received from her had an incorrect address listed on encrypted documents sent to me by Bank of America. Despite this clear mistake, I never had further communication with her to resolve the issue, yet I continued to receive conflicting letters, some of which never arrived at my
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX XXXX XXXX XX/XX/2025 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Incorrect Information Under 15 U.S.C. XXXXo Dear Equifax, I am writing to formally dispute inaccurate information on my credit report as required by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. CXXXXe XXXXo, which provides for penalties in cases of willful noncompliance. 

Upon reviewing my credit report, I have found the following discrepancy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Under 15 U.S. CXXXXe XXXXo, I request that you investigate this issue promptly and either correct the error or remove the inaccurate information from my credit file. Please provide me with a copy of the corrected report, as well as a detailed explanation of your findings. 

If the disputed information can not be verified, I ask that it be removed from my file in compliance with the FCRA. I understand that under this law, you are obligated to conduct a fair and timely investigation, which typically must be completed within XXXX days from receipt of this letter. 

If you fail to correct the inaccurate information, you may be subject to civil penalties under the FCRA for willfully violating the law, as outlined in 15 U.S. CXXXXe XXXXo. I trust you will take prompt action to resolve this matter. 

Thank you for your attention to this issue. I look forward to your timely response and the correction of my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM AND XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out in XX/XX/XXXX that I had 10 accounts opened in my name and I'm in $ XXXX of debt, when I applied for a rental application, I'm currently XXXX due to this. In XX/XX/XXXX I opened a credit card with chase. This is the only CC I've had or applied for personally. I checked my credit report and sure enough I have accounts opened that I didn't open and at least one opened in another state I haven't been to since XX/XX/XXXX. I also have employment history for places I didn't work at and addresses I never lived at. I'm a XXXX and I haven't talked to my dad in over 20yrs, so I would assume that maybe some could belong to him or someone else with a similar name.I disputed with transunion. It's been over 30 days and there are still accounts that haven't come off.
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 correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX : {$2600.00}
Product: Mortgage

AmeriSave Mortgage Corporation NMLS ID # XXXX I began a mortgage refinance transaction with Amerisave XXXX XX/XX/2020. I provided all requested documentation and questions ( almost always within 24 hours ). By XXXX XXXX, I was frustrated with the pace of the process, complete lack of communication, and Amerisave 's inability to articulate the path to closing of the transaction. On XXXX XXXX I requested a closing date to be set by XXXX XXXX XXXX XXXX XXXX I requested the closing date. Again, on XXXX XXXX I requested the closing date or 'a concrete action plan to get us there '. On XXXX XXXX a request to digitally sign a closing disclosure was made and this was completed on XXXX XXXX XXXX XXXX XXXX @ XXXX EST, I requested a call to discuss the situation. On XXXX XXXX @ XXXX EST I requested a cancellation of the transaction, refund of the up-front payment of {$500.00}, and removal of my personal information from their systems. On XXXX XXXX I requested the refund again. On XXXX XXXX I received a response from XXXX XXXX acknowledging the cancellation and refund request and confirming he had 'processed ' it. As of XXXX XXXX, I have not received a refund and Amerisave representatives have ceased communication. 

I have email documentation of every stated date and action. 

My initial communications were were XXXX XXXX ( Loan Originator NMLS ID # XXXX ) and were entirely satisfactory. On or around XXXX XXXX, I was handed off to XXXX XXXX ( AmeriSave Mortgage Corporation NMLS ID # XXXX ) at which point communications repeatedly failed. XXXX XXXX ( Mortgage Sales Manager NMLS ID # XXXX ) was reported to me as XXXX XXXX XXXX manager.
Product: Debt collection

I was contacted by my employer about a XXXX XXXX from XXXX contacted them about a loan I had with another company. My employer stated that XXXX XXXX was trying to reach me about a collections case they had against me and they need to get in contact with me to get in contact with her. I was also contacted from my wifes employer with the same information to call XXXX XXXX about an outstanding debt. I have been getting numerous calls on my home phone where when my answering machine would kick on the caller would hang up with no message left. On XXXX/XXXX/16 XXXX XXXX from XXXX left a message on my answering machine and left information about a case number and to contact her a soon as possible. I had returned a call to the number she left and a gentleman named XXXX ( no last name given ) said that XXXX XXXX was not available and that he knew all the information about the call. This was before I even told him what the call was about. He told me that there company received a complaint from Check N Go that I had an outstanding balance with them which I partially disputed. While talking with him he told me I had to pay them {$2800.00} that day or I would be taken to court and sued for the money. I told him that I did not have that amount and he told me I could pay 50 % and had to come up with the other 50 % within 24 hrs. I told him I could not come up with that amount for the first 50 %. He told me that I would have to get the money from family or Friends or the case will be forwarded the next day. I told him I have not gotten any information on this from them and he said he would send me a letter to explain everything by certified mail and by e-mail. I got a so called explanation via e-mail but still nothing thru the postal service which he said he would sent. This has been one week ago ( XXXX/XXXX/16 ) and my mail has not brought me anything from them as promised ( XXXX/XXXX/16 ). As stated I have been getting the phone calls with no messages left. When I do get a message is very unprofessional and degrading. Today I was called at XXXX from XXXX XXXX about not following up with her company which in fact I did on XXXX/XXXX/16 when I talked to the XXXX XXXX. I answered the phone and told her that I have not received the information requested ( certified letter ) and to cease calling my home phone. I checked out XXXX with the XXXX and found out that they XXXX has a F rating with them and also was informed by the XXXX to not pay XXXX anything. I have been getting phone calls from XXXX with different numbers showing up on my caller ID with no company name attached. I found out who they were by reverse number checks. The number that left a message by XXXX XXXX was a XXXX cell phone but the company is located XXXX. They call XXXX4 times a day and leave no return call including from the XXXX number.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was deleted from my XXXX credit report but is still reporting negative accounts to both TransUnion & XXXX. An account cant be Deleted & still reporting negative at the same time this is a major violation .FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. Additionally, the FCRA mandates that credit reporting agencies maintain accurate information ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the repossession each month creates an inaccurate and misleading credit report, which negatively impacts my credit score. Moreover, ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Reporting this repossession multiple times does not extend this statute and is therefore improper. Section 611 ( a ) ( 5 ) ( A ) requires that any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted. Account XXXX : XXXX XXXX XXXX Account XXXX : XXXX
Product: Credit card or prepaid card

Inadequate response to CFPB # XXXX GC XXXX The reply to my compaint from American Express says that they are unable to locate my payments. This is inadequate. The funds were transfered from XXXX XXXX   on XX/XX/XXXX ( {$140.00} ) and XX/XX/XXXX ( {$300.00} ). XXXX XXXX verified that Amex received the funds. Just because they can not find it does not mean that they did an adequate investigation. Their response was ; Sorry, we lost your money, you loose!!

I have been an Amex customer on and off since 1973. I made 4 phone contacts on this and they say I am correct and that it will be resolved and nothing happens. No followup, nothing. Frankly these people can not be belived.They received the money. Where did it go?. Send me back my {$300.00}
Product: Debt collection

This is a complaint about Equifax who has failed to delete a false debt from my credit record. 

The problem started when I received a collection letter from XXXX XXXX XXXX, dated on XXXX XXXX, XXXX. It stated that I owed a chargeback ( total {$120.00} with fees XXXX for a stay at XXXX XXXX on XX/XX/XXXX. I have never stayed at any such hotel. 

I have previously provided all the evidence necessary to Equifax to dismiss this debt claim ; yet after filing disputes about this issue four times, Equifax has still failed to investigate this false debt claim. I have contacted all the other major credit bureaus regarding this debt and they were able to promptly verify that this debt is not mine and delete it from my records. 

As a side-note, Equifax publishes an incorrect address on their dispute report, which is needed for mailing additional supporting documents. Even the post office could not resolve this address in their system. I had to call Equifax customer support to get the correct address. 

This is clearly a case of mistaken identity and have provided the following evidence : [ As suggested by CFPB guidelines, I will not use my real name, instead I use a pseudonym to illustrate in the following description. I have also altered the numbers XXXX XXXX names of the addresses, but they are still representative for this situation ] 1. Hotel records show guest 's name is XXXX XXXX. My name is " XXXX XXXX XXXX XXXX. No government issued identification or credit cards have ever been issued to me as XXXX XXXX. 

2. I do not reside ( or have ever lived ) at XXXX XXXX XXXX XXXX XXXX XXXX, CA. Yes, my current address is " XXXX XXXX XXXX XXXX '', but they are different. Furthermore, any similarities between the guests address and mine are merely coincidence. This address is inadmissible in identifying myself as the guest because I didnt move to my current address until XX/XX/XXXX and the hotel check-in date is XX/XX/XXXX. I have provided a Move Out Statement as proof. 

3. I have never been issued a credit card ending in XXXX, which was used for the hotel booking. 

Equifax has made no attempt to investigate the legitimacy of this debt. From discussions with their customer service personnel, Equifax merely contacts the XXXX XXXX XXXX for verification ; yet it is the collection agency that is submitted the false claim and stole my identity to collect a debt which doesnt belong to me ( I have already filed a separate complaint for XXXX XXXX XXXX ). It is shameful to see such a lack of due diligence and carelessness from a major credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CT, XXXX XXXX 15 U.S. Code $ 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in Violation Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL 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. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIFY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX, and hoping that these items will be corrected. 

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
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here are the list of tems which do not belong to me or were opened without my permission ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX  XXXX XXXX XXXX Balance : {$950.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XXXX XXXX XXXX XX/XX/2019 {$8500.00}. This account has been paid in full. Ive asked for this account to be removed. because balance was -paid. XXXX XXXX has agreed but this account is still on my credit report. This account has caused me an financial set back. This company is violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I received a credit alert regarding 4 collection accounts reported on my XXXX report - these had been placed fraudulently on my credit files when the XXXX breach occurred 2 years ago. I was able to remove them after about 3 months of fighting and using resources I found here to use the proper wording to get them to actually verify the validity now 2 years later another company named Commonwealth Financial reported the exact same fake medical collection accounts - XXXX  would not let me dispute or access any records online. I had to do it over the phone and they told me on XX/XX/19 they would never be able to restore my online access. So they sent me an email on XX/XX/19 stating the disputes were processing and should expect an update around XX/XX/19, instead I received an email to log into my account, my dispute results were completed- of course I cant access them online, so I called and they said they verified the fraudulent, illegally re-aged, medical collection accounts with Commonwealth on XX/XX/19. Impressive they were able to verify info that could not be verified as it is and was never mine. They said if I purchase their online monthly monitoring service for XXXX $ per month I would be able to access the info online and use their tools to dispute the dispute results and have access to their credit repair specialist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent equifax and XXXX documents from XXXX XXXX and court house that bankruptcy was removed from their file but they refuse to remove it. They both sent me the same letter stating that information was verified though XXXX XXXX when I sent them the documents that XXXX XXXX had taken it off my file. I have called them both several times to resolve this to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX {$0.00} XX/XX/XXXX XXXX # XXXX {$0.00} XX/XX/XXXX XXXX # XXXX {$4000.00} XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING FRAUDULANT
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXXXXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.