23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Immediate clarification : since trying to resolve this issue for almost 2 years, I now no longer have access to my account with Bank of America or my exact statements. I can definitely go to a physical branch to try to receive printouts of these statements but at present I am estimating the numbers because I do not have the exact charges. In XXXXXXXX XXXX XXXX I had a random fraudulent charge of around {$30.00} from adobe online services. I resolved this issue with a customer service agent, they removed the charge and then sent me a new credit card in the mail. I live in an apartment building in XXXX and had just recently moved in, but soon found out there were issues with package theft and building security. I had not checked my bank statements for about a week and when I did, I saw that my credit card ( of which I did not have a physical copy at the time ) was charged with around {$800.00} of charges. There were XXXX XXXXXXXX gas bills ( I do not own a car ), massive charges for fast food restaurants and grocery stores that were not in my neighborhood at all and regardless of the location, charges I did not purchase. Someone stole my credit card from the mail and put charges on it. I had been a customer of Bank of America since I was a child, over 10 years. The second I saw the charges I called the company, froze my card, and did all the steps to resolve the issue. I was extremely extremely disappointed to find that they did not do anything to help me resolve the issue, I had called over 15 times, had to explain the story to a different agent every time, with XXXX help to resolve this issue. They just kept saying they would review it again, and sent me to managers that ensured the issue would be resolved eventually. I had over {$800.00} of credit card fraud charged on my account and nothing was done about it. In addition, they continued to charge interest, nonpayment fees even though I explained again and again that I would not be paying this, because I did not make these charges, and that at the very least they should pause the fees and interest. It is now almost 2 years later, my credit score is completely ruined, and a bill of {$1200.00} was sent to collections because of all the added fees and interest. I am aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and I need a functioning credit score in order to get XXXX XXXX XXXX XXXX XXXX XXXX completely by myself. I am completely baffled at the way this situation was handled, and I refuse to pay $ XXXX charge that I did not purchase. There should be protections for situations like this and I am just at a complete loss of what to do. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX XXXX XXXX and XXXX XXXX XXXX is reporting accounts that are not mine. I have disputed with them before but they produce no evidence to show me that these indeed are my accounts. They are speculating and putting " updated, '' and " remains. '' None of which show me how exactly they verified any of the inaccurate accounts on my file. The reports they send back provide no evidence of verification. It just says the exact same thing from the previous credit report.
Product: Credit card or prepaid card

XXXX  / XXXX / {$1100.00} ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Debt collection

I received a phone call from the debit collection supposedly a XXXX credit card it is over XXXX XXXX XXXX they are trying to get the money from which, I signed the tolling agreement. I have not heard or been notified over tens and now they want to sue me for XXXX. Can this be possiable.
Product: Credit reporting or other personal consumer reports

I urgently request an update to my account since I've consistently made timely payments. The current situation is causing me stress and concern.
Product: Mortgage

I am filing this complaint because, through absolutely no fault of my own, I lost out on a chance to refinance my mortgage on the terms I agreed to when I applied for the loan two months ago. The process was progressing smoothly until the appraisal. 

When the appraiser came to my home, he hostilely challenged the representation in my loan application that my property is a " single family '' dwelling. He insisted it was not. His position was that it is a " XXXX unit income '' property and, as such, he was owed a higher fee for doing the appraisal. I objected. 

Two days later, I provided the appraiser, as well as the lender, real estate records showing that the District of Columbia classifies my property as a single family dwelling. I asked to be provided something similarly official or authoritative that substantiates the appraiser 's contrary view. I was met with silence. 

My loan stalled for more than two weeks, because the appraiser was demanding additional money to submit his report. The lender was seemingly incapable of figuring out how to break the impasse. For weeks, I was repeatedly told ( upon inquiry ) that the matter would be clarified " tomorrow, '' but tomorrow never came. When I finally did hear from the lender, I was informed that another appraisal would have to be arranged, but there was now no time to close on the loan before the expiration of the rate " lock in. '' I was further advised that, in order to move forward with the loan, I would have to pay a special fee to the lender. I refused.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my credit report contains transactions and experiences that not only are NOT allowed in the report, but that were submitted without my written authorization. Equifax XXXX XXXX  XXXX ) and XXXX XXXXXXXX XXXX This is a matter of serious concern regarding my personal information and credit report, which involves violations of multiple provisions of the United States Code specifically, 15 USC 1681b, 15 USC 1681a, 15 USC 6801, 15 USC 6802, and the GLB Act. I am also referencing the potential penalties outlined in 15 USC 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I attempted to get my credit score through TransUnion ( XXXX XXXX XXXX ). I was never able to set up an account or login, but the company did receive my credit card information and charged me {$27.00}. I never authorized this payment, nor did I receive any service from the company. I did not receive any email alerting me to the fact that they were charging the card, giving a reason and providing the score or any other service
Product: Checking or savings account

social security check of {$1100.00} direct deposit is being held to cover a returned deposit made on XX/XX/XXXX after I requested the hold stay on the check until cleared by the bank.I withdrew {$5000.00} on XX/XX/XXXX by a teller named XXXX after he saw in computer bank cleared the {$8200.00} check.Account ending in XXXX. Bank involved is chase Bank XXXX XXXX XXXX XXXX Ca XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In pursuant to 15 USC 1681 ( b ) and ( c ) Law, I DO NOT WANT ANY ACCOUNTS, ADDRESSES, INQUIRIES, OR PERSONAL INFORMATION, IN DISPUTE AT ALL. CORRECT IMMEDIATELY, AND EXPEDITIOUSLY!
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX 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 or other personal consumer reports

Dear Sir/Madam, I am writing to address a matter concerning my account with XXXX  XXXX XXXX XXXX Account Number XXXX, which is currently being inaccurately reported on my credit report. This discrepancy not only undermines my credit standing but also infringes upon my rights under the Fair Credit Reporting Act and the guidelines outlined in 15 U.S. Code 1681a regarding consumer reports.

As per 15 U.S. Code 1681a, a " consumer report '' encompasses any communication of information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, which is used or expected to be used for various purposes, including but not limited to credit, insurance, and employment. 

Given this definition, I am requesting that XXXX XXXX XXXX take immediate action regarding the reported account. Specifically, I urge you to update the status of Account Number XXXX to reflect that it has been paid in full. 

The account in question was opened on XX/XX/2023, and has since been closed. Any outstanding balances associated with this account have been settled and resolved. However, the continued reporting of this account without acknowledging its paid status is not only inaccurate but also detrimental to my credit standing. It is imperative that my credit report accurately reflects the resolution of this account in order to prevent any unwarranted negative impact on my creditworthiness. 

I trust that XXXX XXXX XXXX will address this matter promptly and in accordance with the provisions of the Fair Credit Reporting Act. Furthermore, I expect confirmation once the necessary actions have been taken to update the status of Account Number XXXX on my credit report. 

Should you require any additional documentation or information from my end to facilitate this process, please do not hesitate to reach out to me. 

Thank you for your attention to this matter. I look forward to a swift resolution that upholds my rights as a consumer and ensures the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNT XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

LexisNexis has placed a inaccurate and unverifiable bankruptcy on my credit report. I have proof from the courts stating that they don't give LexisNexis any information on a bankruptcy ever. If this bankruptcy is not removed from thier data base this will soon turn into a legal matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a live single human being typing this narrative! 

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXX  ACOUNT # XXXXXXXX XXXX  ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXXXXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX 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 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 the information is inaccurate I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Debt collection

Experian is reporting false information and has not been updated since 2018. This debt is not owed and is not reported on either of the other credit bureaus.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes and other transactions and the handling of banning of accounts. Despite using Zelle numerous times and reporting they have failed to investigate any of my claims. They have not recovered any lost funds as well through a warning that was not on there when sending transactions. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it may concern below are a list of accounts that are reporting fraudulently on my credit report 1 ) USAA SAVINGS BANK {$1200.00} XX/XX/XXXX XXXX ) XXXX XXXX XXXX {$570.00} XX/XX/XXXX
Product: Bank account or service

Dear CFPB Representative, Yesterday I went to write a check in my local supermarket ( XXXX ) and had Telecheck refuse to process the check from my personal XXXX XXXX XXXX. The acct. has been open for more than 12 years! Upon arriving home they stated that the checking acct. was new? So, they had to build a history on it. Once that was done I could proceed to use it in the same supermarket. It was declined again. On the FTC site it indicates this company has legal action against it for similar issues. The Telecheck personnel seems not to provide proper information for the check being declined. Denial record # XXXX. 
Check amount {$57.00}. Date XX/XX/2015. Ck # XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX. XXXX, MI. XXXX TEL # XXXX ID # XXXX I NEED SOMEONE TO INVESTIGATE THIS INCIDENT PLEASE-XXXX
Product: Checking or savings account

I have paid XXXX in overdraft fees in a month
Product: Credit card or prepaid card

When i worked for XXXX XXXX, CFPB compelled us to refund all paper statement fees. I just noticed that KeyBank is  charging me a {$3.00} per month paper statement fee on my Health Savings Account/ HSA debit card account. Is that allowed?
Product: Credit reporting or other personal consumer reports

Early responded to a identity theft block on XX/XX/24. See CFP Complaint # XXXX. The accounts for XXXX and XXXX XXXX  came back as accurate. Early Warning is now required to provide the method of verification which includes contracts with my signature and actual verifiable evidence of the alleged transaction that it is reporting. Please also disclose any authority beyond the judicial estoppel ( deed of title ) that is on file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate late payments on my experian equifax credit report. they sold the debt I owed to XXXX XXXX XXXX XXXX XXXX. I started paying this third party debt collector through a debt consoldation program. the first payment was made XX/XX/XXXX. they were paid monthly through ACH transfers with the final payment being made XX/XX/XXXX. this debt was no longer owned by them since it was sold to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXs reporting late payments from XXXX XXXX XXXX even with payments being made to their debt collector. once the final payment was made on XX/XX/XXXX. XXXX XXXX XXXX XXXX this point added " 30 days late '' een with the debt settled. they are reporting inaccurate late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for equifax. highlighted pictures provided are evidence of payments made to third party debt collector XXXX XXXX XXXX XXXX XXXX for the debt owed. the other pictures are evidence of inaccurate information being reported to my credit reports
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 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 to believe that the information is inaccurate.
Product: Debt collection

Finance Systems of Toledo is repeatedly attempting to collect a debt that I no longer owe to XXXX XXXX. I have disputed this with all three credit reporting agencies, and it has been thirty days, and Finance Systems of Toledo has not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous letter that I claim I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following account need to be removed as they are fraudulent. 

XXXX XXXX or XXXX Date Opened : XX/XX/2015 Balance : {$0.00} This is not verified. I contacted the furnisher and they have refused to provide any documentation and they are unable to provide documentation proving the claim or the accuracy. This remains inaccurate, incomplete and not verified. You are REQUIRED to delete this immediately according to FCRA Sect. 611. Please ensure this account is removed within 5 days! 

If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing of this letter is to inform that I am a victim of IDENTITY THEFT. I informed this company on XX/XX/XXXX about my identity theft issue. I am a victim of identity theft. My personal information was compromised and as a result, fraudulent charges were included on my account without my consent or authorization. I noticed Significant fraudulent changes around early XXXX and early XXXX. My account had various fraud charges throughout the year or two. As the law required that they delete this fraudulent account within four days from receiving my written consent, this company is still reporting this account until now. I am making it clear here that I did not benefit from anything whatsoever in this fraudulent activity. Attached herewith are all the documents I sent this company i.e. My dispute letter, My identity theft report e.t.c. I am also REQUESTING this company to please update the following information of mine : 1. my phone is ( XXXX ) XXXX 2. My email is XXXX Let it be noted that this is my final intent to solve this issue before I file a lawsuit against this company for reporting identity frauded accounts even after being informed of the issue.
Product: Credit reporting or other personal consumer reports

Please take down these inquiries. I am not informed about this, and the company acted without my consent.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX  Account number : XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.