23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Somebody paid the bill from my Bank of America account via bill pay. 
It is a fraud. And I reported it to Bank of America but they denied my claim due to insufficient evidence. 

Date : XX/XX/2022 - {$9200.00} withdrawn by XXXX XXXX XXXX XXXX XX/XX/2022 - $ XXXX withdrawn by XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX this fraud activities on XX/XX/2022 Date : Bank of America noticed me on XX/XX/XXXX that they deny my claim due to no sufficient evidence. 

Date : XX/XX/2022 - I visited Bank of America to reclaim it. 
Bank of America asked me, Credit report to prove this XXXX XXXX Bill is not mine. I faxed for both of mine and my husband 's credit reports on XX/XX/2022. 
As per BOA, that transaction was incurred on Online so they need a proof of Credit Report. 

Date : XX/XX/2022 - They denied my claim again due to no sufficient evidence. 
As per BOA, that transaction was incurred via phone so BOA asked me to provide some report from XXXX XXXX XXXX XXXX my cell company ) that I haven't done anything on phone for the bill pay. 

Bank of America asked me to go to XXXX XXXX XXXX and get a report that I didn't do Phone transaction for above fraud bill pay with XXXX XXXX XXXX XXXX. As per XXXX & XXXX, they found nothing on my phone records that those fraud transaction instructed by me. They said, " how can we provide a report that not happened? '' ** I don't have XXXX XXXX Credit Card. 
** I don't have XXXX XXXX. 
Those Bill payment was not made by me and my husband. 

Fraud protection is a duty of Bank. They ( Bank of America ) didn't report me anything when those fraud transaction happened on my bank account. They haven't even recognized it. 
On the fraud transaction, there is no ACH account number and no name on it. 
How can I provide an evidence that those transactions were not made by me? When hacker hacked your bank account, can Bank of America provide specific evidence who did and what account number? 
Bank of America has no responsibilities to customers and they didn't do enough their job and transfer the responsibilities to customers. 
When some hacker hacked my bank and bank has no responsibilities, how can I trust Bank and save my money on there? 
I am so disappointed on Bank of America services and I have a deep complaint about Bank of America services. 

Please help me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, TRANSUNION I recently received a letter from XXXX XXXX XXXX that they couldnt validate their debt. I requested from XXXX XXXX XXXX to provide the chain of custody that they purchased a XXXX account in my name, the name and address of the original creditor, the sign contract of the original creditor, the opening date of the account, payment history, last payment made status of account closed or charged of with dates. Michigan Law 339.901 thru 339.930 forbid unlicensed debt collector to report to credit bureaus and XXXX XXXX XXXX is unlicensed in the state of Michigan. To all credit bureaus state the reason why your not complying with Michigan Law 339.901 thru 339.930? 
To all the credit bureaus list the XXXX account as fraud because XXXX XXXX XXXX has not sent me any validation documents of their XXXX account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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

XXXX XXXX XXXX XXXXXX/XX/XXXX - CLOSED ACCOUNT. Opened XX/XX/XXXX - Today, I contacted the number for XXXX XXXX from my XXXX credit report. I was told that the account is currently in collections for the balance, although it reports Paid/Closed. I was advised that I should contact the bureau regarding how they are reporting the account. I informed XXXX XXXX  that the claim was filed with the CPFB. They stated that they notified the store of where the merchandise was purchased. They stated they would send the update to the credit bureau. They provided email on where to send screenshots of how it was reporting in my credit. I spoke to the manager, XXXX. I requested the email of the XXXX  and they did not have it. They stated that they only report to XXXX and TransUnion. They werent sure on how XXXX reported when they dont report to XXXX XXXX I disputed to the credit bureau in the past and was advised that the update was accurate information, although it is an inaccurate. For XXXX, the reinvestigation information was unchanged and the Dispute Took place XX/XX/XXXX. XXXX has been disputed in XXXX, XXXX, and XXXX with no result or update.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is reporting my accounts late when I am currently in school. I was unable to reach them during the Covid crisis nor was I able to reach my school and now Navient is basically are saying too bad. 
The following is incorrect : 1. accounts are reporting late 2. accounts reporting closed Furthermore these accounts are reporting on my credit report twice each. 
I do not understand why Navient is not held to better standards.
Product: Credit reporting or other personal consumer reports

As I was looking thoroughly at my credit report I noticed that there were inquiries that I did not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I found out when I started getting calls from banks about late payments on credit cards. I found out there are several accounts that were applied for and approved using my personal information without me giving consent. I did not apply for the credit cards or bank accounts in question, nor did I authorize anyone else to use my personal information to apply for any credit cards or bank accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Transunion, XXXX, XXXX to validate and delete this inaccurate information and the information was never sent to me and this negative inaccurate information is impacting my credit scores i asked for this XX/XX/2018 for the public record bankruptcy and a closed credit card account and inquiries to be deleted. Because of inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I saw that those items were being reported and sent out a formal affidavit to all bureaus to have these fraudulent items removed. As of XX/XX/2021, I notified XXXX XXXX, TRANSUNION, XXXX, and XXXX of unlawful and unauthorized reporting of unknown inquires and chapter XXXX bankruptcy being reported on my credit reports with all aforementioned bureaus. I have provided proof below.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is basically saying that the information is accurate on my report when there are unauthorized charges that I never authorized so I'm putting in another dispute. According to the Fair Act Crediting Law if someone is a victim of identity theft and they're reaching out to the bureau 's regarding unauthorized charges the information should be removed. XXXX XXXX Bank opened my dispute XX/XX/XXXX and got a response back it was accurate and its not. XXXX XXXXXXXX opened XX/XX/XXXX also stating it is accurate, and that is incorrect. Lastly XXXX XXXX, I did not authorized or applied for these credit cards and loans and again would like it removed.
Product: Debt collection

I received several emails ( on XX/XX/22 ) from XXXX XXXX XXXX stating I am late with my payment. I physically went into our local XXXX  XXXX XXXX and let them know I do not have an account with XXXX  XXXX XXXX. Now I have received a letter from a collection agency ( on XX/XX/22 ) stating that I owe {$15000.00} I reached out to them and told them that was not me. I would not give them my social, but I explained that whoever is doing this has my address, email, and spelling of my name, fortunately, the middle initial is wrong. I reached out to XXXX XXXX XXXX, who can only give me limited information while I filed the fraud case with them. 
Please help me resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. 

Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I appreciate your prompt attention to this matter, and await your reply.
Product: Student loan

My grand daughter and her father asked me to sign for her student loan a private loan with Sallie Mae and another with XXXX student loans and her father was going to repay the loans when he retired but instead he died XX/XX/XXXX. I am now responsible for the mortgage which he used to pay ( in my name also ) and I suffer from XXXX XXXX and I am XXXX years old. I contacted both XXXX and Sallie Mae since as of now the loan is 30 days past due and neither will waive me because they claim only the " borrower '' can be waived due to XXXX., Sallie mae said I should pay {$150.00} by XX/XX/XXXX to defer the loan until XX/XX/XXXX as a hardship but XXXX has to call for this arrangement to be for more than XX/XX/XXXX. If she does not call it goes back up to {$970.00} per month for a {$72000.00} loan and the XXXX with XXXX is {$69000.00}. I have had no contact with my grand daughter since May and she is contesting her father 's will in court currently. I doubt that I will be able to get her to call Sallie Mae so attempting to get a lower payment seems like a moot point. I believe I will have to see a bankruptcy attorney but my understanding is this would only be a temporary relief. Sallie Mae calls my home phone every 30 minutes and says then ca n't stop this procedure. My grand daughter has not made any payments at all and I ca n't pay the mortgage without my other son 's help so I do n't know what I can do to fix this.My grand daughter did all this on her lap top I never got a copy of either contract and I just asked them to send me a copy in the mail.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S. Code 1681i which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U. S. C. 5536 ( a ) ( 1 ) ( A ) -- ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides me the consumer with the necessary proof of Investigaton I want reported accounts removed. XXXX XXXX XXXX XXXX
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 : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300000.00} XXXX Late 120 Days- XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Charged off- XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed- XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Charged off- XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with Southwest Credit Systems. This collection account was opened in XX/XX/XXXX - and currently has a balance of {$1100.00}. In XX/XX/XXXX, I disputed this account with XXXX XXXX and received unfavorable results. I called Southwest Credit Systems on XX/XX/XXXX in an attempt to discover what this account was for ... I was told that the original creditor is " XXXX '' and that Southwest Credit Systems removed this account from my credit report on XX/XX/XXXX. Then, I called XXXX, and they were not able to locate my name and/or an account affiliated with my name. This account is falsely and negatively being reflected on my XXXX and XXXX  credit reports.
Product: Credit card or prepaid card

Chase Credit Card charged my account for {$110.00} on something I did not order. They send me again 3 pages of my private information that might have been hacked from their database and 7 empty pages - the same as before. After examining their unclear unreadable copies as proof of my order and proof of delivery for products I would never order I have noticed that the date on " my order '' ( unclear image XXXX ) the date is XXXX. On exhibit 4 ( unclear image XXXX ) provided by Chase as proof of delivery, the date is XX/XX/21. So the product was teleported from CA to FL and came one day earlier. The strange way that Chase is supporting fake information with a fake investigation with hacked data from their files. And on top of that when I enter their provided tracking # XXXX claims it is not XXXX delivery ( image XXXX ). by the way, notice the quality of fuzzy documents they send out - shame.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter regarding inaccurate things on my credit report but to this day over 45 days already, I still don't hear from you. FCRA requires you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these inaccurate items to be deleted immediately or I will file for litigation due to all the troubles you've caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 applied ( straight applied ) for the capital one card. Was approved after they asked me to send my information twice. Sent the card. I tried to activate it. Would n't let me. They said it was fraudulently opened and a code was used but I did n't use XXXX. XXXX was supposed to call me back and did n't. I filed a complaint with the XXXX and XXXX called me and got information from me. I told her if they were not going to keep it open then can they remove the inquiry ( just out of good customer service ) and remove the account completely because it was never opened even though it is showing as opened now. It is showing as an account and is messing up my account age on my credit report, which it brought it down. I understand the was some kind of glitch which is not my fault. They verified who I was multiple times on the phone even after I received my card. I do t even want the account anymore. I just want the to remove the account off of my credit report completely and remove the inquiry ( just for the long drawn problem that I had in dealing with this. ) XXXX never called me a week later. I ended up finally receiving a letter XXXX weeks later and I called her and XXXX said there 's nothing she can do. But when I initially spoke with her she said if they closed it, she would remove the inquiry and account from credit report. 

I 've already closed my checking account with them as well due to this. I refuse to be a consumer with them now and in the future.
Product: Credit reporting

I have disputed a claim against XXXX XXXX XXXX , XXXX for their blatant violations and fraudulent claims of debt owed. I have supporting documentation to support my disputes ; however, they refuse to remove the accounts from my credit report on ( XXXX ) of the the ( XXXX ) credit reporting agencies. I have retained legal representation and will continue to fight this injustice of commercial business practices. Being charged XXXX {$4000.00} from an apartment complex who has transitioned ownership three times in the last 24 months and told that there are no " written records '' of my decision to vacate upon lease expiration is madness ... how long can commercial muti-family management companies be allowed to do this??
Product: Credit reporting

TRANSUNION CREDIT REPORTING AGENCY HAS MADE AN ERROR IN REMOVING XXXX ACCOUNTS FROM MY TRANSUNION CREDIT FILE. THE FOLLOWING XXXX CREDIT ACCOUNTS : XXXX HAVE BEEN REMOVED WITHOUT AUTHORIZATION FROM CREDITOR. I HAVE VERIFIED WITH CREDITORS THAT ACCOUNTS ARE STILL ACTIVE AND BOTH HAVE A XXXX BALANCE WITH A XXXX CREDIT LIMIT THAT WERE BOTH OPENED IN XXXX OF 2012. THIS ACCOUNTS NEED TO BE FIXED AND ALL PAYMENT HISTORY AND ACCOUNT STATUS ON BOTH OF THESE ACCOUNTS NEED TO BE REPORTED BACK ONTO MY TRANSUNION CREDIT FILE. PER FCRA LAW, TRANSUNION IS REQUIRED TO PROVIDED ACCURATE CREDIT FILE INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not responding to any of my numerous requests to investigate, verify and remove accounts from my credit report/file that were opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student load that has continued to show on my credit report origination with XXXX XXXX I am part of the lawsuit to my understand and have yet to see it removed or close. they have frozen any payment req for 5 years yet it is still affecting me and should have been removed by this time. Currently, the loan is shown with a collection agency XXXX unable to get little to no information from them.
Product: Debt collection

XXXX XXXX XXXX is suing me in a state I no longer live in, represented by XXXX, XXXX, XXXX XXXX, XXXX. I was unable to appear in court in XXXX, IL, as I live several states away in XXXX, PA. I notified the lawyer of the change of address and they continued to pursue legal action, knowing that if I did not appear in court, they would receive a judgement against me. I have not received any mailings since moving and am only aware of updates to the case via the court lookup website.
Product: Debt collection

Convergent Outsourcing did not have a permissible purpose when it made an inquiry of my XXXX credit report on the following dates : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX. Please have Convergent Outsourcing explain why it accessed my sensitive financial information and to provide any documents to support their reason.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX