23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for a public XXXX XXXX XXXX credit card offer for XXXX XXXX XXXX Membership Rewards after spending {$3000.00}. I spent {$3000.00} on the card and was awarded the XXXX points on XX/XX/XXXX/2017. 

I tried to book a flight in early XXXX, but received an error that I could not, with the following message " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I received no notice that my points were unavailable until I tried to use the points, which was misleading. Again, the XXXX points were visibly available in my account since XX/XX/XXXX/2017. 

I did nothing illegal or against the terms and conditions of the agreement. The customer service representatives and supervisors say there is nothing they can do. Some representatives said the review takes 6-8 weeks ; however, it has been over 8 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have notreceived any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX In accordance with the fair credit reporting act this account is violating my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1691 15 U.S.C 1681 SECTION 602A 15 U.S.C 1681 604 A SECTION 2 15 U.S.C 1681 C ( A ) ( 5 ) 15 U.S.C 1681 S-2 ( A ) ( 1 )
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

after discovering over 15 accounts that were opened or reopened and maintained by someone else without me having any knowledge of. not on my that but i have the full statement and it clearly shows that i was being followed and the transactions were tracked and purchased at places i would go. not only that, i also found out that someone found a way to merge the accounts by planting the card into my possession so i can re-claim the transactions that were made.

after i brought this to the CEO attention, i was told the accounts never existed.

At this time i was missing a lot of packages and mail i was expecting so i placed a hold mail at the post office to accidentally intercept a mediation letter that i had no knowledge of so i called. during the first call i was outraged and concern so the rep said that letter was already settled and nothing else. Hung up.

the second call i made, i acted as i knew exactly what it was and just needed to varify some information and the representative on the other phone told me this letter was already settled for XXXX i thanked her and hung up i then noticed a different mediation letter but 1 number off and so i called again to ask about the other mediation settlement besides the XXXX settlement. 
she told me if i couldn't verify enough information for her to move forward. Hung up on me.

i now have discovered that i only came across maybe 4 different settlement case ID numbers. i believe there was a settlement for each and every one of the unauthorized accounts that were opened and managed by my impostor. this can vary well include settlements for the mortgage loans and auto loans too. totaling 15 unanswered settlements that were fraudulently made out to me without any of my knowledge.
Product: Checking or savings account

I didn't have appropriate funds in my account, not knowing that bills were still being charged to my account and when I saw I had money in my account I'd try purchasing groceries and it was declined and then saw the bank kept charging me {$29.00} every time my card was swiped.
Product: Credit reporting, credit repair services, or other personal consumer reports

File Number : XXXX - I still have 3 inquiries on my credit report that I DID NOT authorize. PLEASE DELETE THEM ASAP : >XXXX XXXX XX/XX/2018< >XXXX VIA XXXX XX/XX/2018< >XXXX XX/XX/2018< AS I Said, I DID NOT authorize these inquires and NEED to be deleted!
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. 

UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year> XXXX XX/XX/year> 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

In accordance with the fair credit reporting act. the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Once I combined these personal credit report files from these third-party agencies, I found the following : 1. XXXX XXXX Account number : XXXX Account number : XXXX. 
Account number : XXXX. HAVE VIOLATED MY RIGHTS. 

2. XXXX XXXX XXXX, XXXX Account number : XXXX. HAVE VIOLATED MY RIGHTS. 
Account number : XXXX 3. XXXX XXXX XXXX Account number : XXXX. HAVE VIOLATED MY RIGHTS. 

4. XXXX XXXX XXXX XXXX Account numbers : XXXX Account numbers : XXXX 5. XXXX XXXX XXXX XXXX  Account number : XXXX Account number : XXXX 15 USC 1681 section 602 ( a ) states I have the right to privacy. 

15 USC 1681 section 604 ( a ) ( 2 ) : It also states consumer reporting agencies can not furnish a account without my written instructions. 

15 USC 1681 ( c ) ( a ) ( 5 ) sections states : No consumer reporting agency may make any consumer report containing any of the following items, of information any or other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years. 

15 USC 1681 ( s ) ( 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 or other personal consumer reports

My account with EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00}
Product: Checking or savings account

On XX/XX/2021, Chase bank issued two overdraft fees for transactions processed in the middle of the night or behind the scenes where I can't see on my account. I was charged 2 overdraft fees despite me being unaware of these transactions until today. Additionally, I have 2 accounts with Chase, one where I could readily transfer funds. I transferred the funds that morning when I discovered the overdraft and called Chase to see if they could remove the fees. They refused. This feels like a scam. I wasn't overdrawn before going to bed, and the next morning, I wake up to two overdraft fees.
Product: Debt collection

Fraudulent account is being reported! Wrong Drivers license number attached to original application, wrong phone number, wrong employment, and wrong/incorrect spelling of NLR name ( I would not misspell my own mothers name ), wrong zip code and the signature looks like a childs writing! Contact Kays and they stated it had to be my account due to previous contact with the owner! I know this account can not belong to me due to the correct phone number not being on the application and me not knowing of this account until I sent the verification request.
Product: Checking or savings account

My complaint stems from Bank of Americas refusal to reimburse me for stolen funds that occurred through Bank of Americas banking services. On XX/XX/2020, a check I wrote for {$3900.00} was altered and cashed at Bank of America ( Attachment A ). As you can see, the payees name was covered up and written over with a new payees name. Part of the payee line was also erased, with what appears to be correction tape or fluid. The alteration could not be more obvious, and even the thiefs handwriting does not match my own. 

In conducting its investigation, XXXX XXXX, the bank that issued the check from my checking account, found that Bank of America was the bank of first deposit for the stolen check. Thus, they filed a claim with you to recover my funds. However, the claim was denied by you ( Attachment B ). 

What is most troubling is that your Deposit Agreement and Disclosures states that customers should notify Bank of America within 60 days of any account irregularities or fraud ( Attachment C ). I contacted XXXX XXXX about my stolen check on XX/XX/2020 on a recorded telephone line well within the 60 days that your deposit agreement stipulates. And then XXXX XXXX contacted you with the details of my claim. Therefore, there was no reason to deny my claim. 

Again, the stolen check was cashed on XX/XX/2020 and I contacted the issuing bank for the check, XXXX XXXX, on XX/XX/2020 well within the 60-day reporting period. 

Furthermore, and what I have found equally disturbing throughout this process, is that you are failing in your fiduciary duty to me as I am also a Bank of America customer. Even though the stolen check was from my account at XXXX XXXX, I am also a Bank of America customer. I have had a checking account with you for at least 15 years ( account # XXXXXXXXXX ), I have an XXXX  XXXX credit card issued by Bank of America, and I have paid off a second mortgage that I once held with Bank of America. 

For your information, the claim number for my case is # XXXXXXXXXX XXXX. XXXX XXXX officials said you should be able to locate my claim through your fraud or investigations department. 

I am filing a complaint through regulatory agencies because your Customer Care team could not help me. They said it was because the claim was not directly related to an existing Bank of America account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REQUESTED FOR MY FREE CONSUMER REPORT AT XXXX ON XXXX. I RECEIVED XXXX REPORT BUT IT DID NOT INCLUED SPECIFIC INFORMATION THAT IS IMPORTANT TO MY DISPUTE. AND I WAS DENIED BY XXXX AND EXPERIAN. WHICH IS A VIOLATION OF 15 USC 1681g AND 1681h.
Product: Credit reporting or other personal consumer reports

For the last 90 days I have been repeatedly disputing these illegal/fraudulent accounts that was obtained without my knowledge and consent via TransUnion, XXXX, and XXXX. I have always lived at XXXX XXXX XXXX XXXX XXXX  Someone illegally obtained my information and opened fraudulent accounts and used XXXXXXXX XXXX XXXX XXXXXXXXXXXX which I have NEVER lived in that XXXX  unit. 

With the help of a friend I was able to identify what accounts were illegal in my name. Currently I Have 1 inquiry on XXXX, and I have 0 inquiries on TransUnion and XXXX as I am able to lock/freeze my report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 


XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX The three following accounts is totally illegal/fraudulent! It should have never been opened in my name. Please remove the three following accounts from my credit report. It's hampering and messing with funding for my new business that I just launched as well as a future mortagage. These Accounts are illegal! I've been fighting this for the last 90 days please help. These accounts are not mine and I am going to continue repeatedly to dispute until these negative/fraudulent/illegal items are removed off my credit report ( transunion, XXXX, XXXX ) XXXXILLEGAL/FRAUDULENT CREDIT CARDSXXXX XXXXTransunion, XXXX, XXXX XXXX XXXX XXXX  Balance {$150.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Date Opened XX/XX/XXXX XXXX  XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX All three of these illegal accounts were opened within a 30 day time period which I had NO KNOWLEDGE! ABSOLUTELY NOTHING! I have done my homework these accounts are illegal and holding me. Please remove these 3 items off all 3 bureaus as soon as possible. Thank you! Its not fair these are not my accounts!! Its already hard enough in XXXX  as it is but for someone to illegally obtain stuff in your name without a consent is beyond ridiculous. I am not responsible for anything thats fraudulent XXXXILLEGAL/FRAUDULENT CREDIT CARDSXXXXXXXX XXXXTransunion, XXXX, XXXXXXXX Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 

XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX My company above which is in my name is behind held up for funding because of illegal items on my report. Please help! 

XX/XX/XXXX
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. 


XXXX XXXX XXXX Account owner : Individual account Original creditor : XXXX XXXX XXXX Date reported : XX/XX/year> Date assigned : XX/XX/year> Account status : Unpaid Amount : {$290.00} 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 too believe that the information is inaccurate
Product: Checking or savings account

On XX/XX/XXXX at XXXX I received a call from Bank of America with an authorization code that I didnt request since I didnt request it I got worried and went online to check my account I noticed a Transfer done through XXXX Of {$3400.00} I immediately called my husband to see if he had lost his card he said he had his card with him So I started to call the bank XXXX I was calling the bank I was still online and saw another transaction made of {$1600.00} The wait time to talk to a representative was too long and they said they were gon na call me back when he was my turn I called my husband again to let him know what was going on then I continue to call the bank until I was able to reach them made a Claim and also I made a police report right the next day which was the XXXX that same day I also called XXXX to let them know what was happening and they sold me the XXXX app XXXX business days later I called the bank and they had rejected my claim because they say all the transactions were made through my phone which its impossible because I have the phone with me Also XXXX gave me the call log for that day which show a lot of calls to the bank before I got the authorization code those calls were not made by me and also after I receive the three station code there are a lot of calls missing from the catalog like the ones I made some with my husband and the bank which I have proves with a picture of my XXXX recent call log that I did make also on my Husband call log theyre there right before I got the call with the authorization code there shows a call for 55 minutes that started at XXXX XXXX which is impossible that I have done because I was talking to my sister at that time I also have proofs of me talking to my sister for 20 minutes so that call is impossible for me to have done on the XXXXOf me I received an email from XXXX saying my Sim card has been removed I have tried many times to contact XXXX and they say they dont know how all of this happened They say its probably a glitch or they dont know how somebody else took over my phone I requested Bank of America To reconsider my claim and I also sent them all the proofs that I have that someone has been getting into my phone also I sent them the police report and I havent heard back from themI did a little research online and saw theres a lot of people complaining of the same thing happening to them so I dont understand why Bank of America isnt backing us up
Product: Credit reporting, credit repair services, or other personal consumer reports

Agency  is using my copyrighted name to report derogatory information on their reports. I have sent the company a copyright notice along with a notice to remove derogatory information. Should the information not be removed, the company will receive a copyright infringement notice ( {$500000.00} ) and be put on public record for fraud. The agency in question never received consent from me to report my name, my information or anything from a third party in my name. The agency in question created a " contract '' unwillingly without my consent. No full disclosure was given to the agency in question as to what is being reported.