23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have submitted a second written request to XXXX, disputing the following unverified accounts on my credit report : XXXX XXXX : Account # XXXXXXXX XXXX XXXX Accounts # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Account # XXXXXXXX XXXX  : Account # XXXX In my initial dispute, XXXX indicated these items were verified as accurate. However, I have not received any original documentation bearing my signature, as required under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). Per Section 611 ( 5 ) ( A ), information that can not be verified must be promptly deleted.

I
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I purchased a car from XXXX and American Credit acceptance financed my XXXX XXXX XXXX On XX/XX/XXXX I had a bad accident and my car was totaled my insurance company sent an adjuster out and the car was deemed a total lost they cut a check to American Credit Acceptance for {$7900.00} they are still harassing me for payments when my insurance company has paid them off Ihad full coverage and gap insurance ive called American Credit Acceptance for a whole week trying  to get them to send documents to Gap insurance and they have been giving me the run around puttingme on hold for hours sending me to the different departments but the right one different representatives  are giving me conflict information this company is a rip off i want them to close my account and quit harassing me.
Product: Vehicle loan or lease

i want delete from my account i have no job ive struggle to pay all my bills and had kid to support i want have a car i can take my kid out i want to have bond with him and i want get better for myslef being father to him .... the company name of the king of credit finacial {$7800.00} report was on XX/XX/2022 XXXX
Product: Bank account or service

My husband took money out of his retirement account at Wells Fargo and they gave him a cashiers check. He walked to the teller to deposit into our checking account and apparently they have lost that cashiers check. This has been going on for a week. He calls the bank and they admit the error but will not deposit the money.
Product: Credit card or prepaid card

I believe I am a victim of identity theft. AMEX account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

( AMEX XXXX )
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, VA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I get multiple overdraft fees from navy federal and I have tried to switch it to where it doesnt allow them to do that and it wont let me select the option im in a bad financial situation at the moment and I honestly just dont want my account closed.
Product: Credit card

I was XXXX and my credit cards were stolen. I am currently fighting via litigation the vendor and bank involved in the situation. Due to my attorney advising me to stop paying the fraudulent charges to keep my cards current, my credit score has suffered. My bank credit card even presented with this information reduced my credit limit {$22000.00} making the card usable for my monthly needs. I escalated and underwriting refuses to do anything given my situation with evidence. I do not think this is fair given the situation and should be reviewed in a manner taking into account all other facts ( no other card issues ever, this bank never had a late payment, customer of 10yrs+ ).
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 XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX I was solicited to apply for a Home Depot CC offered by Citibank. I applied and was approved for a credit line of {$8000.00}. I made a purchase in the amount of {$68.00} which reflected a discount for my first purchase. 

In late XXXX I began receiving phone calls that my account was past due and realized I never received a statement. Using the prompts on the automated call I attempted to advise customer service that I hadn't received my statement- each time I was transferred offshore and the line was disconnected. 

In XXXX I received a statement which indicated my balance and late fee of {$29.00}. Using the pay by phone feature I paid the the balance of XXXX and phone customer care to discuss the late fee of XXXX. I was told that fee would be waived. I considered the account paid in full with the fee waiver and my payment. 

In XXXX, I received a statement that with a balance of {$62.00} which was for 2 late charges. The first charge was not waived and then I was assessed a second fee. 

I phoned customer care and spoke to someone stateside, after a long discussion she came back and said that both late fees would be waived. My call was recorded and she assured me the balance would be XXXX Today XXXX I received another statement with another late charge and showing the outstanding balance that was to be waived. I again phoned the call center and they told me that they wouldn't waive my fees despite what I was told by the previous agents, because there was no evidence of returned mail. 

I can't speak to what the mail system was doing in XXXX during a pandemic and election, but I know a statement was not received. If the agent in XXXX would have followed through this balance would not be this high. I am now being charged more in fees than my initial purchase. The failure to waive the fees as promised is unfair and an attempt to collect fees. Agents assuring me the balance would be waived is deceptive and now I am being charged another fee. In addition, I am now faced with paying fees I should not pay and am being penalized with a late reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted in writing several complaints and request to update my credit report that is inaccurate and yet they have failed to respond and change my credit report. This has now caused me to be denied for a home loan in which I was in the process of being homeless and much more. Equifax specifically has now failed to change my credit report for the last 3 months which is more than 90 days which is past the 45 days allowed for a investigation.
Product: Credit reporting or other personal consumer reports

These late payments do not align with my regular payment patterns.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit card or prepaid card

I filed a fraud dispute claim XXXX with Bank of America on XX/XX/2022 for 3 transactions ( XXXX XXXX and XXXX XXXX XXXX restaurant on XX/XX/XXXX and XXXX gas station XX/XX/XXXX ) with total around {$9500.00}. Please see the attached for the exact amount. I called Bank of America on Friday XX/XX/XXXX at XXXX time to close the replace the current credit card which I was still having on my hand at that moment and reported the fraud of the first 2 transactions, also told them that I received an email from Bank of America on XX/XX/XXXX that my credit card will be shipped via Next day Air shipping to my address ; however, I explained to them on XX/XX/XXXX morning I received an email from XXXX with tracking number and said delivered but I did not received or was handed any card. Moreover, I received an email that saying my credit line increased request was approved which I had never done so. I questioned Bank of America why that happened and if their system was hacked and they denied to explain all of those for me saying that would be for internal investigation. I even did not received any call or text from Bank of America to authorize such a big amount of the transactions. They told me that they will file a fraud claim for me. One week later, I did see the adjustments on my credit card account. However, on XX/XX/2022, I received an email said that my fraud dispute claim was denied because : the physical card or the chip was read/sign. Bank of America deposited the charge again into my account. I called them back and asked them transfer me to a supervisor or anyone in the investigation team that is handling my case and was denied all. I asked them why the investigation team did not check the video footages or ask to see the signature as well as customer information of the store. Why did They just deny the claim by deciding basing on a physical card was read. Again, I still had my credit card at that time. The claim representative just took some note and re-opened the claim on XX/XX/2022. No email or phone call followed up back to me.
Product: Prepaid card

I am completely frustrated at this point. Few months back I bought this prepaid American Express gift card. Till date, this card has been declined at least 4 times. I have tried using it at XXXX, XXXX XXXX, XXXX, and XXXX. This card absolutely will not go through and I am unable to make ANY purchases at all with this card. 

Whenever I call customer service, all they say is that I should try using this again. They blatantly refuse to believe that there is something wrong with the card and that it doesn't work anywhere. This is blatant consumer abuse.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of a police report with report # XXXX and an FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I incorrectly disputed a credit card charge from XXXX XXXX  XXXXs aka XXXX in XX/XX/2021. On realization it was my mistake, I contacted my credit card company in XXXX to release the payment. Unfortunately, this release was not processed until XX/XX/2021, and XXXX received payment according to the credit card statement on XX/XX/2021. 

On XX/XX/2021 I received a notice from a debt collection company called McCarthy , Burgess & Wolff, address The MB & W Building, XXXX XXXX XXXX, XXXX, Ohio XXXX. I contacted them by telephone on XX/XX/2021 about XXXX, and told them that the invoice had been paid. I emailed to their customer services email address with proof of payment shortly after speaking to a representative. I also sent to both XXXX  and MB & W a  letter stating I disputed the debt as it had been paid, and provided a copy of the payment from my credit card statement. On XX/XX/2021, I received another letter from MB & W saying that the debt was due. I called them the next day and spoke to their customer services. They informed me that the account was " closed '', indicating that it had been settled. 

This morning, XX/XX/2021, I received a call from XXXX XXXX XXXX saying I owed payment. I told them that I did not. They did not provide any evidence that the debt was due.
Product: Money transfer, virtual currency, or money service

Company opened a personal account for me, and denied opening my business account. I'm not complaining about that, but they proceeded then to close my personal account without reason.
Product: Checking or savings account

When I log onto my account it says XXXX is available balance. 
But funds are currently not available for withdraw please call XXXX When you call that number it sends you to Capital ones costumer voicemail and you leave your info, I have been calling this number since XXXX, I need to get my money, if they have closed my account they need XXXX me a check for my account balance, which I want to close my account because I don't care what they say they have been holding money that is mine that I worked for and I have t been able to even talk to a person to get it, I have bills that are due and them doing that put me behind. It has been 4 months and still nothing and no call back no access to my money I have called the number every other day since XXXX left voice mails no response I really need myoney from them.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries appearing on my credit report that I would like to have remove. I have sent several letters out to this bureau and asked that they proof of my signature and authorization. They failed to do so I need help
Product: Credit card or prepaid card

XX/XX/XXXXamount XXXX at the time of colling the bank. Received suspicious letter from bank of america about new prepaid edd debit card agreement, BOA made this agreement without my agreement, probably, they made this agreement with californian criminal money laundering EDD ( employment development department ). Agreement letter will be attached with my complaint. When I took a look at the letter disclosures, those completely violate my rights in relation to be a customer or prepaid account holder with bank of america, this bank had to be good several years ago but now they act differently and do a lot of violations and financial abuses to their customers. The letter from bank of america to me is a democratic attack and requires protection of individuals from such an attack. At the beginning of XXXX year when coronavirus became pandemic, Our Government in the office of executive brunch was pro human rights, then, helped millions of people financially after mandatory closures for coronavirus covid19 to the people who had reduced wages or became unemployed, in California the criminal money laundering violator employment development department californian government entity was the only mean to deliver coronavirus founded money to the applicants in California and criminal EDD had to follow the founding because many employees either had redused wages or became unemployed and criminal californian EDD made millions of claims and kept the accounts within criminal EDD control, now when government is changed and became democratic government against humanity, and government in California remains democratic, californian criminal EDD received power and uses that opportunity to do democratic attack whoever they want to and they are getting stronger because californain criminals like to have accounts as many as they can exceeding millions of accounts and each of the account is a financial equity, the number of accounts are increasing because of emigration and and programs enrichment. Bank of America act is the same as democracy act and indication of democratic invasion into bank of america. I called to XXXX XXXXXXXX bank of america prepaid services on XX/XX/XXXXand asked them to close my prepaid account they are not closing my prepaid account by redirecting me to criminal EDD, I keep explaining that BOA XXXX  that currently I don't have anything with criminal EDD and in order to close my BOA prepaid account I can call BOA and close my prepaid account without any permission from criminal XXXX. On the back of the page from XXXX and studied bank of america the third paragraph it tell about " We're here to help You XXXX reach us with any questions, or to request your account be closed, by calling the number on the back of your Card or by calling our Service Center at XXXX, 24 hours a day, 7 days a week. I tell them to close my prepaid account but they are afraid from criminal californian government.
Product: Credit reporting or other personal consumer reports

I had a XXXX when I sign-up for XXXX  to help my score... I got sick and lost my job to cover I emailed them and they kept reporting all kinds of stuff and unknown linked to them ... .I used this service to help and they applied predatory practices please help me to get them to remove this they can keep the couple hundred I paid but this is horrible taking advantage when someone is sick with XXXX  and didn't hear nothing my credit was destroyed after using them XXXX to XXXX bc I got sick from XXXX and nobody would do nothing lost my job and made me lose my credit I'm a first time XXXX  barely making it please help
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 federally protected consumer rights to privacy and confidentiality under USC 1681.

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 an 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 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. 

XXXX XXXX- account number- XXXX
Product: Credit card

I have no idea in regards to these late payments being reported on my credit file.
Product: Credit reporting or other personal consumer reports

I opened a secured credit card through Discover at the suggestion of my mortgage lender to slightly increase my credit score by a few points so that I could qualify for a better rate on a mortgage. I paid the card in full every month by the due date and never carried over a balance to the next billing cycle. Discover began reporting 100 % credit utilization to the credit bureaus decreasing my score by almost 100 points. Being as I never carried a balance on the card, I never had revolving debt, and therefore I had 0 % credit utilization. 
Also, Discover changed the terms to which they would give me a credit line increase without notifying in writing 30-days prior. They were supposed to review my account after six months of on-time payments for a potential increase and when I asked for one I was advised that this actually happens around month seven or eight and possibly even nine. I am a meticulous planner and never would have agreed to something like this.