23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

By the Provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this investigation within 30 days. of receipt of this letter..

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 i sent a letter disputing some items on my report to equifax. I have not been heard and this is very frustrating. I have sent multiple request since then and have no received any response to my request. Im looking to purchase a house soon and this is putting me in a financial bind
Product: Checking or savings account

On XXXX I deposited a XXXX dollar check into my account at Wells Fargo XXXX The pictures were very blury, but I the go ahead to deposit the check I was given two check marks meaning every thing was good.On the XXXX I had message stating I had not endorsed the check and they were placing a hold on money for a week .l called them immediately and talked to a banker, I explained this was not my fault it was their systems fault. I also stated I needed my money released so l could by groceries. They wouldn't lesson to me, I had to wait until the XXXX to get my money I am asking for XXXX $ for my pain and suffering.
Product: Mortgage

I called and asked what my mortgage goes up every year due to fees. The rep didnt know and said it was a mistake. I asked why has this mistake has been happening for 2+ years ( {$120.00} extra for this year on every payment and {$100.00} for the previous years payments ). The rep said they must be late fees but couldnt provide the late payments. She then said theyll be taken off for next months payment. When asked if Ill be receiving the multiple years overage, she said no. When asked why I was charged these fees over several years, she said she didnt know and would call me back today. They didnt so Im filing a complaint agains Fulton Bank as Im sure they are fleecing others as well with the hidden fees.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/22, I was contacted by a fraudster claiming to be from XXXX XXXX. He ( XXXX XXXX indicated that my electricity would be turned off until Tuesday unless I made an immediate payment via Zelle. 

I paid {$500.00} via Zelle, but XXXX kept indicating that the payment wasn't received. He then said that I needed to pay cash via XXXX. He countered each of my objections with an answer that seemed plausible. I withdrew {$900.00} from my ATM and deposited at a XXXX kiosk in XXXX XXXX. He kept asking for more money and I realized that it was a scam. 

I immediately contacted both XXXX and XXXX. THe {$500.00} Zelle payment did in fact go through. Both institutions indicated that I could not get my money back. 

The call that I received was from XXXX.
Product: Debt collection

We received a debt collection notice which stated we had until XX/XX/XXXX to contact the company.

The notice included the following text : " You may also use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXXXXXX  '' This URL does not direct to any known service ( 404 ). We attempted to contact the company at their phone number on the collection notice on XX/XX/XXXX : ( XXXX ) XXXX. 

We confirmed the Reference # on the debt collection note with them, but they refused to provide me with information to properly dispute the debt electronically. They said we could dispute with them over the phone, but this was contrary to the information they provided in the debt notice. The first agent we spoke with stated they never heard of that address and then refused to acknowledge that they were a debt collection company when we pressed them for information. They then terminated the call. 

We called back immediately twice and was disconnected after having our call answered without any acknowledgement. On the fourth call they forwarded us to someone who clearly was flummoxed trying to pass off them " being new '' as the reason for not being able to provide me with proper information. When we again asked what the web address to dispute electronically was, we were after several minutes provided with the following address : XXXX XXXX XXXX XXXX  that this is not even the same domain name as provided on their mailed notification. It also does not provide the ability to attach supporting documentation as the mailed notice states I have the right to do. The agent, when unable to provide information as to how to attach supporting documentation provided use with a " supervisor 's '' email address. However, when we attempted to inquire what this supervisor 's position was, and what department we were communicating with the agent refused to provide any additional information even after verifying the reference number on the account. 

The actions of this company are unethical and likely illegal as they are intentionally providing false information on their mailed documentation that prevents consumers from properly disputing the debts based on their advertised avenues. Nothing asked required providing any confirmation to them as we were simply requesting the correct web address to dispute the claim with the ability to attach supporting documentation all of which they stated could be done in their debt collection notice.
Product: Credit reporting or other personal consumer reports

I am writing to urgently seek your assistance in removing charge-offs with incorrect balances from my credit report. Despite numerous attempts to rectify these errors directly with the credit bureaus and creditors, the inaccuracies persist, adversely affecting my creditworthiness. This is a critical issue that requires immediate intervention. 
Despite these efforts, the charge-offs continue to be reported with incorrect balances. This ongoing inaccuracy is causing significant harm to my financial standing and credit score. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit file, and I am requesting on your intervention to ensure this right is upheld. I respectfully request that you could hepl me investigate this matter and facilitate the immediate correction of these charge-offs on my credit report. Your prompt attention to this issue is crucial in preventing further damage to my credit profile. The following accounts needs to delete are as follows : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$380.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$810.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXXXXXX Balance : {$3600.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 there was a fraudulent XXXX transaction with confirmation code " XXXX '' in the amount of {$1700.00} to " XXXX XXXX '' made by unauthorized access to my Bank of America bank account without my permission and making the above referenced transaction that I never authorized nor involved in. Upon discovering this fraudulent transaction, I subsequently secured my devices, changed my password, put a block on outgoing transactions from my bank account and filed Claim # XXXX with Bank of America 's fraud department on XX/XX/2024 based on XXXXXXXX XXXX stated fraud policy for reimbursement : " Fraud is when someone gained access to your bank account and made an unauthorized XXXX payment . For example, someone gained access to your bank account without your permission and you never authorized or were involved in the transaction. Because these transactions are unauthorized, they typically qualify for reimbursement. '' XXXX XXXX XXXX XXXX On XX/XX/, 2024 I received a denial letter from Bank of America which XXXX have attached to this CFPB complaint. The denial letter said that my claim was denied because " Our investigation found that the transaction in question was completed using a device that is consistent with previous valid account activity. '' From this bank account I have historically only sent XXXX transactions to myself at accounts I hold at other financial institutions, which is verifiable, and I certainly did not make this transaction to " XXXX XXXX '' whom I do not know and have never done business with nor authorized payment to. 

I reported this to Bank of America as fraud, which fits XXXXXXXX XXXX terms for reimbursement since someone apparently gained unauthorized access to my bank account without my permission to send this unauthorized transaction. The denial reason of " device consistent with previous payment activity '' certainly does not preclude the possibility of my device and/or bank account being accessed by hackers and/or fraudsters without my authorization and permission and sending this unauthorizedtransaction ; which certainly appears to be the case here. 

In fact, I see that in a report by XXXX XXXX titled " Bank of America, XXXX XXXX are under investigation for handling of customers funds on XXXX '' as recently as XXXX XXXX, 2024 that XXXX and Bank of America are currently being investigated by the CFPB over fraudulent transactions : " The Consumer Financial Protection Bureau is investigating major U.S. banks for their handling of customer funds on the peer-to-peer payments platform XXXX XXXX '' - XXXX XXXX XXXX I encourage the CFPB to add my case to this ongoing investigation if Bank of America is unable to resolve this complaint in my favor...

HOWEVER : I am confident that Bank of America will do the right thing and reimburse my funds for this fraudulent XXXX transaction. I can not afford to lose this money. I have taken necessary precautions to secure my devices and bank accounts in the meantime. I hope for a favorable outcome to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written two letter to Experian and XXXX about my public record ( Bankruptcy ). 
I written letter for the month of XXXX and XXXX. In those letters I also included UCC laws and paper work from the courts stating the do not report to agencies. Both of them said in their investigation that they talk to the company and the information was accurate.That is a false statement. They could not talk to no one from the court system, because they do not have a furnishier to report to credit bureau. The do not report to credit bureau or any other agency. I call numerous occasion to please give me the accurate information or mail it to me. I have not receive to this date of XX/XX/2023. Other times they have hung the phone up on me. For all of these reason I wish to file a complaint, have the public record remove from both of my reports immediately.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file :XX/XX/XXXXXXXX XXXX XXXX Balance : {$3700.00} XX/XX/XXXX XXXX Balance : {$5300.00}XX/XX/XXXXXXXX XXXX Balance : {$3700.00} XX/XX/XXXXXXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$1200.00} XXXXXX/XX/XXXXXXXX ( Original Creditor : XX/XX/XXXX ) XXXX Balance : {$1700.00} XXXX XX/XX/XXXXXX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not removed scores of invalid, unauthorized inquiries. I have enclosed all information in attachment. It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Experian databreaches, class action & settlement lawsuit, and is available for free, on XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 
XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Checking or savings account

In late XXXX early XXXX approximately between XXXX XXXX XXXX of XXXX XXXX checking accounts and XXXX savings accounts were opened at XXXX separate banks in my name via online then arbitrarily closed by both financial institutions within 60 days of them opening. Most transactions to place through online banking, or simply directly at an ATM. When attempting to call customer service, I simply got it back-and-forth about how I was solely responsible for these accounts, and there was nothing they were willing to do since my name, and Social Security number, and current address were used regardless, if I had to open them or not. This is not only affecting my credit, but I can no longer open a checking account with a credible bank both chase bank and XXXX  XXXX XXXX are the federal banks in question neither one has even attempted to help me and is simply closed the accounts. These accounts were negative at the time as the only activity that was done was checks that were being cash fraudulently against these accounts. These checks were made out to names I have never heard of or in my own name from accounts and people, Ive never even heard of have done business with. I have not been provided with any adequate documentation since these accounts have been closed I am completely in the dark other than me, the exact nature of them being closed and why they were closed no documentation whatsoever other than me suffering from this.
Product: Debt collection

XX/XX/1922 I received noticed via email that a new report had been added to my account from LVNV FUNDING LLC. This company is not registered with my state to collect a debt, this will act as my first and last time requesting the immediate removal from my report. I will not go back and forth. You never go to was unless your money is right. I'm ready to see the judge. Again first and last request before court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a  Multiply Inquiry  Removal Letter  On   XXXX   XXXX ,   XXXX   by certified mail in order to dispute information, in regards to  XXXX  hard inquires, that were being reported on my credit report. They received the letter on  XXXX   XXXX ,   XXXX   and they completed the request on  XXXX   XXXX ,   XXXX  . The request submitted included  XXXX  hard inquires that were not factual and I received the same response for all inquiries, which was " Inquires are a factual record of file of access. If you believe this was unauthorized, please contact creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that I received a response  XXXX  days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Debt collection

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report BULLCITY FINANCIAL
Product: Vehicle loan or lease

I have retained a lawyer to help with my debit repayment adjustment and modifications. GM Financial refuses to acknowledge my lawyer 's presence or respond to their request to workout a deal with them.
Product: Credit reporting

A New York address is on my personal information. I have never lived in New York and this is the 3rd time I have reported this error! What do I have to do to have this wrong address removed?
Product: Payday loan, title loan, or personal loan

I used Synchrony Banks online pay 12 payments in advance on their site. Since XX/XX/2020 they have been charging me a late fee of XXXX each month because my two biweekly payments from their site did not fall on the date XXXX due date. Example I was accessed a XXXX dollar late payment as the automatic draft was taken out on the XXXX. The due date was the XXXX. So from XX/XX/2020 thru XXXX I was getting a late change but was using their online payment system to pay my monthly bill. I was never notified that I was being assessed a late fee either by email or mail. The only reason I discovered it was I logged on to enter 12 more pre payments. I called Synchrony bank and the customer service person stated even though it was in their system it was still late and a fee would be assess. I asked why I did not get a late fee notification and it was stated that it was my responsibility to check. Every other CC or bank loan had notified me if I was late. 

I thought that the bank was required to notify you if they assess a late fee and why. 
Using their system they can see there were two payments per month in their system. I believe Synchrony used unfair banking practices and build up my late fees without notifying me to rectify.
Product: Debt collection

Currently on a XXXX XXXX and need supplies. Was advised that I have medical bills in debt collection but never received any notification
Product: Mortgage

XXXX XXXX XXXX pretended to be a manageXXXX from Flagstar Bank Lending Department asking us to pay our escrow before they can proceed for loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX/FORD MOTOR CREDIT add a hard inquiries on my credit report per XXXX. There was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine.
Product: Debt collection

It Started back in XX/XX/year> when I received a invoice that I made purchases of XXXX through XXXX of XXXX Android phone and for me to contact the following number - XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
From this point on I was getting purchase invoice each month and it was for random invoices for XXXX, laptops, phones and electronics. 
by XXXX XXXX I get XXXX invoices of XXXXXXXX XXXX XXXXXXXX for XXXX XXXX XXXX and XXXX  and by now I decided to contact the number on the invoice to inform this was never my purchase. since that day the attempt of hacking my account XXXX  and bank account. the person on the phone requested mirror access to my phone and was attempting to access my bank account. He wanted me to put in my bank information so that he can quote '' make sure I am not being charged '' I notice that was a bit odd so I hung up the call. Ever since they have not stopped attempting to hack me they continue to send me purchase invoices of purchase I NEVER DID. 
That day I XXXX  XXXX direct number and I spoke to someone who informed I needed to send a email with information to there fraud account and for me not to use my XXXX until this was resolved. I stopped using the account, invoices kept coming and XXXX never informed me if this was taken care of. I was so scared of being hacked so I never used that account again. 
Now present time I am being Sued by a company XXXX stating they have XXXX file for this account that I did not use, I closed and was hacked. This account was a fraud and I don't know how to make it stop.