23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report with my lender when we discovered account that I never opened that where fraudulent. I have never applied for the following account : XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  # XXXX, XXXX/XXXX-XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX. I am not sure what else to do at this point. I have file a report with the 3 credit Bureaus and FTC. I need this resolved asap I am trying to buy a Home in the next 30 days.
Product: Bank account or service

XX/XX/XXXX I discovered unauthorized charges on my bank statement and reported them to Chase and filed a police report. While the fraud began with a single {$5.00} charge in XX/XX/XXXX, there was XXXX charges totaling {$1300.00} XX/XX/XXXX that caught my attention. 
XX/XX/XXXX I closed this account and reopened another account with the same bank. 

Today I followed up with the bank and I was told that even though this unauthorized charge was reported within 60 days of occurring, they were not going conduct an investigation or credit my account because the initial fraud of {$5.00} occurred and went unreported XXXX. ( I was informed I needed to pay better attention to my statements ) This unauthorized transaction occurred using a guest account with XXXX, who quickly identified and flagged their account as fraud, froze the funds and let me know the funds can be recovered, although I have to go though my bank to initiate the credit. 

Is this accurate? Can a bank not investigate an unauthorized charge to your account because that same company fraudulently charged your account an insignificant amount outside their 60 days reporting window?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax regarding them not reporting two credit card accounts that are reporting on XXXX and XXXX. The accounts are XXXX XXXX account # XXXX and XXXX XXXX XXXX XXXX account # XXXX. I am not sure why Equifax is not reporting the accounts, because the company has sent them the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to finishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer
Product: Mortgage

Closed on construction loan for a house. House is complete. The bank never set up an escrow account for home insurance to be paid. Over a month later And countless emails and phone calls and the escrow account is still not set up. 

I receive a letter in the mail saying I need to deposit {$370.00} in to my escrow account then I get a check in the mail for escrow overage of {$330.00}. Im getting tossed around and nothing is getting settled. I have dont my due diligence to get this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.
Product: Debt collection

I sent a debt validation letter to Lincoln Technical Institute in response they ignored my requested and sent a settlement letter instead which I will attach. I have never had an agreement to alleged debt nor signed documents attach to alleged debt. I will attach the debt validation letter that I sent along with proof of it being sent via certified mail. I also will post an affidavit of truth sent so Lincoln on XX/XX/21
Product: Credit card or prepaid card

I did apply for a credit card online, trough care credit website, to cover my dental bills, I was approved at the moment but this is not the problem, i have been having troubles making my payments online, their system doesn't allow you to complete your payment process, and then if your payment doesn't process they charge you late fees when you tried to make the payment on time. 
My last bill was due on Saturday XX/XX/2018, when i logged in on my account to see my balance and make a payment, i was chocked by the increase from one month to another, when i checked on my XXXX transactions I found out that the interest charges for a month XXXX XXXX XXXX was for the amount of {$1300.00} calculated over a balance of 2,600.00. 
they are charging abusive interest rates and late fees, and the system works perfectly when you apply for credit but not when you tried to make payments online. 
thank you.
Product: Checking or savings account

People 's bank KEEPS defrauding me. They are accepting transactions against my account that exceed my balance just so they can charge me a {$37.00} over draft fee. I have told them twice before on the phone that this is not something I want or ever authorized yet they still continue to do it. In the few days they have charged me {$150.00} in overdraft fees for my account being - {$1.00}. This is theft. I called the bank again this morning on  XXXX / XXXX /  XXXX   @  XXXX  and told them to STOP stealing my money and that I do not want this overdraft service. I asked them to refund all the money they have stolen from my account and they refuse to do this saying I agreed to this which I NEVER did. The dates they have stolen from my account calling their theft " Overdraft protection ''  Two ti mes on  XXXX / XXXX /  XXXX   for {$74.00}, once on  XXXX / XXXX /  XXXX   for {$37.00} and again on  XXXX / XXXX /  XXXX   for another {$37.00}! That 's {$140.00} in  ONE  WEEK!
Product: Debt collection

A GUY NAMED XXXX XXXX CALLED MY CELLPHONE AND THEN CALLED ME HERE AT WORK. HE SAID THAT VICTORIA SECRET A CREDIT CARD THAT I HAD IN 2014 HAD FILED A LAWSUIT ON ME FOR THE DEBT AND I ACTUALLY FILED BANKRUPTCY ON THE DEBT. HE STARTED HOLLERING AT ME AND THREATING ME SAYING HE WAS GOING TO HAVE ME FIRED AND ARRESTED AND HE WAS HAVING THE POLICE COME TO MY WORKPLACE TO SERVE ME COURT PAPERS. I TOLD HIM I WASNT SIGNING ANYTHING BECAUSE I HAD FILED BANKRUPTCY ON THE DEBT. THEN HE STARTING THREATING ME AGAIN AND HOLLERING SO I HUNG UP ON HIM.
Product: Credit reporting or other personal consumer reports

Date of Letter : XX/XX/2023 Attention Dispute and Complaint Departments of : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX REGARDING : Dispute of Unauthorized Charges That Were Not Made on My Physical Card With XXXX XXXX XXXX XXXXXXXX XXXX Resulting in Negative Mark on My Credit Bureau Report Refusal of the Bureaus Willing to Delete The Negative Mark Despite Reversal of Charges That Were Found in My Favor Due to Fraud Dear Supervisors and Those in Charge of Complaints, Earlier this month I contacted customer service of the XXXX XXXX  via telephone after I was notified by XXXX XXXX XXXXhat there was a negative mark/report added to my almost perfect credit due to a supposed late payment of 30+ days. Upon calling XXXX customer service, it was discovered that charges for several months were made not on my physical card but digitally perhaps from XXXX phones I donated. Therefore they reversed over {$700.00} in charges which obviously would not have made me late on a payment. However, the credit bureaus are still keeping the late payment report on my credit and worse yet, its not scheduled to be deleted until XXXX. Thats ridiculous! My credit score was over XXXX prior to this incident that was not of my doing. XXXX XXXX now owes me a check of {$720.00} due to all of these fraudulent charges. Therefore, I am demanding that these negative 30 day late reports be taken off all three credit bureau reports, which are greatly affecting my credit score of near perfect. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

CFPB XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Accounts Due to XX/XX/XXXX Data Breach Dear CFPB Representative, I am filing this complaint regarding inaccuracies on my credit report due to the XX/XX/XXXX data breach. My personal and financial information was compromised, and I have since identified unauthorized accounts, inquiries, and/or personal information changes on my credit file. 

I have attempted to dispute this information directly with the credit bureaus but have not received a satisfactory resolution. Therefore, I am requesting CFPB intervention to ensure my credit report is corrected. 

Details of Dispute : Full Name : XXXX XXXX ] Date of Birth : XX/XX/XXXX Social Security Number ( Last XXXX Digits ) : XXXX Addresses on File : [ List Your Addresses ] Credit Report File Number ( if available ) : [ File Number ] Credit Bureaus Involved : [ XXXX, XXXX, TransUnion ] Nature of Complaint : Unauthorized accounts appearing on my report. 
Hard inquiries I did not authorize. 
Inaccurate personal information changes. 
Failure of the credit bureaus to properly investigate my dispute. 
Requested Resolution : I am requesting that the CFPB ensure the immediate investigation and removal of any unauthorized accounts, hard inquiries, or inaccurate information on my credit file. 


Sincerely, XXXX XXXX
Product: Debt collection

Received multiple letters/phone calls from Frontline Asset Strategies , LLC, trying to attempt a debt. Requested a notarized debt validation letter between self and Frontline Asset Strategies , LLC.
Product: Checking or savings account

I want whatever is holding me back from opening an account to be removed please
Product: Credit reporting, credit repair services, or other personal consumer reports

sent hacking police report and ftc they wont fix my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions
Product: Debt collection

I had a XXXX in XXXX XXXX, Ca when I was insured by OHP and the city of XXXX XXXX and XXXX XXXX XXXX XXXX from XXXX XXXX are refusing to bill OHP for reasons I do not understand, they both have turned this issue over to CMRE Financial Services Inc. @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX I have been in contact with XXXX XXXX with XXXX @ XXXX She had called XXXX parties in question and they actually gave her bad fax numbers and e-mail addresses to send whatever they needed to bill but to no avail then they sent the collection notices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Reporting and Unauthorized Use of Artificial Intelligence Dear [ Background Check Company : CHECKR INC. 

I am writing to formally address concerns regarding inaccurate information provided in background reports issued by your company and the potential unauthorized use of artificial intelligence in your services. 

XXXX. Inaccurate Reporting : I have recently been made aware that your company provided incorrect information about me to [ XXXX XXXX XXXX XXXX  ]. This misinformation has caused [ NOT ELIGIBLE FOR HIRE, reputational damage, loss of employment. ]. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information in background checks, and your company is obligated to ensure the accuracy of the data you report. 

I request that you immediately : XXXX.Investigate the inaccuracies in the report.

2.Provide me with a copy of the report in question.

3.Correct any errors and issue a revised report to [ XXXX, XXXX XXXX ]. 
4.Confirm, in writing, the steps you have taken to rectify this matter. 

XXXX. Unauthorized Use of Artificial Intelligence : It has come to my attention that your company may be utilizing artificial intelligence in its background check processes. I did not provide consent for my personal information to be processed or analyzed using AI technologies. If this is the case, it raises serious concerns about the ethical and legal implications of your practices, including potential violations of my privacy rights. 

I request clarification on the following : I DON'T UNAUTHORIZE ARTIFICIAL INTELLIGENCE TO HANDLE ANY OF MY INFORMATION. 
Whether artificial intelligence was used in the preparation of my background check. 
1.The specific purposes and methods for which AI was utilized.

2.Whether you obtained explicit consent to use AI in processing my information. 

Next Steps : Please respond to this letter within [ XX/XX/year> ] days, providing detailed answers and documentation regarding the above concerns. If I do not receive a satisfactory response, I XXXX be compelled to escalate this matter by filing a formal complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), or taking other legal actions as necessary. 

I trust that your company will treat this matter with the seriousness it deserves and act promptly to resolve my concerns. I look forward to your response. 

Sincerely, [ Your Name ]
Product: Credit card

This account has been reported several times for inconsistent charges appropriated with my account. I have reported to the company several times this account is collecting. charges that has not been allocated by me. My account has been sent to the police and a police report was made in reference to this account. The account was made by me, but the charges were not made by me. Police Report # : XXXX by the XXXX XXXX XXXXXXXX Police Department was an accumulation of charges due to trafficking that was not purposed by anyone I know. This report was created and I did submit this to the police to fix this on my behalf and have this account closed. I would like to have all charges cleared and to contact me in reference to the fraud that has been ongoing with this account.
Product: Debt collection

I just recently checked my credit report and noticed that the account is still on it. They have been re-aging/re-opening this on my report as a new account every 2-3 years. This has been going on since at least XXXX  as I believe that was when I first noticed this account on my report. I havent even gone to the hospital which was the original collector in 15 years. They definitely have been utilizing fraudulent practices and this is effecting my credit score over 10 years later. This should have fallen off of my report in or around XXXX.but of course, they re-opened the account in XXXX AGAIN!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I request my credit report to find out that this was reporting wrong I've disputed this item 2 time. First delinquent day is reporting wrong, the month of XXXX do not show any data but still reporting late in the status history. The account is charged off with a balance.
Product: Credit reporting

I am a victim of identity theft, I have filed the necessary affidavit with all three CRA. The original creditors are disputing this information, the CRA is refusing to remove the items that the thief used. Its impacting my livelihood and ability to obtain credit. I have sent them numerous letters, refiled the affidavit. To no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient reported to XXXX Credit Report that my balance increased by {$100.00}, this caused my credit score to decrease. I have been paying on this account for many many months over 2 years without covid19 suspension of payments and this company reports negative information to my credit report. 
The balance of student loan is fraudulent as I never got a payment of the monies that were not used at XXXX XXXX and I never got any payments of monies that was not used from U of AR XXXX. When I disputed this, there was not an investigation. They bill me extreme added fees of interest and they never showed payments that were paid for 10 years after I graduated in 2002. 
The student loan has been a rope around my neck to freeze my credit score from improvement. This has took away from my education for years of rebutting navient bad unfair practices.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due dateXXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Checking or savings account

There is fraud done on my account by hackers. and Bank of America seems like either they are on the hacker side or they blame Bank of America customers or they just don't want to help.
Product: Credit reporting or other personal consumer reports

Had XXXX lease with XXXX financial for XXXX  months, hade to extend lease another XXXX  months and paid even though the XXXX cars were not working properly because of a safety recall that they had not fixed for, I also couldnt drive the cars because the insurance company canceled me because of the safety recall. 

All this time from the beginning of lease the XXXX accounts were on AUTO PAY. 

They further put XXXX late payments on the XXXX accounts and ruin my credit. 

I have been calling them about the problems and they do nothing but hang the phone up on me. 

I am in the process of getting legal help to get all the phone call recordings I made because thats what they told me I have to do. 

I am also seeking reimbursements for the unnecessary payment I made when car was not working and they refused to give me a loaner car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. 
My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$170.00}
Product: Debt collection

Key 2 Recovery has kept calling me this week even after I submitted a complaint to CFPB and they responded saying they have no record of me owing any debt. 

They called again this morning, I explained the situation and confirmed once again with them that my social security number is not the one associated with the debt they are trying to collect. 

At this point I consider it harassment.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns on how cash app handles disputes. Despite using cash app numerous of times and reporting discrepancies my financial institution and cash app failed to investigate my claims adequately. They informed me that recovering my lost funds were impossible and that tracking these transactions were unfeasible. There was no one to talk to by phone and I was left having to email and chat with people who couldnt understand what was happening due to context.
Product: Debt collection

Me and my boyfriend Complained of mold in this apartment, and they never addressed it. We even called and went to the corporate office planety of times. All they did was forward a email to the rental officeThe bathroom was a cesspool for water leaking, condensation and bugs. Me and My boyfriend were back and forth to XXXX XXXX  and Dr about XXXX  and XXXX. We even had to sleep in car or leave apt it was causing XXXX  XXXX. I have a XXXX XXXX. So one day I got in shower with out light on in bathroom and only using hallway light. Upon getting in I saw something again in tub. Didn't know what it was and I jumped out and one foot was on tub. We'll once my bf cane and took care of problem noticed a small Crack in tub. So I advised the rental.office again about these bugs getting in tub. So they told me they had to send maintenance. So they decided to replace tub and gon na tell me I had to pay for it. I don't feel like I was the one to be held response because ya 'll should've been came out and looked for the problem and they didn't. I refused to pay so they said they had to replace it and forcing me to sign for it. I said I'm not paying for a molded tub that u refused to take care of prior to this incident
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts DO NOT BELONG TO ME!!! 

XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$460.00} XXXX/XXXX  Opened XX/XX/XXXX Balance {$1400.00} XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$0.00} XXXX/XXXX  Opened XX/XX/XXXX Balance {$500.00} XXXX  XXXX Opened XX/XX/XXXX Balance {$700.00} XXXX XXXX Opened XX/XX/XXXX Balance {$1300.00} XXXX XXXX Opened XX/XX/XXXX Balance {$680.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$830.00} XXXX XX/XX/XXXX Balance {$400.00}