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

There are incorrect accounts listed on my credit report that do not belong to me. This situation is both unjust and concerning, as I have never authorized or engaged in any of the activities related to these accounts. If you do not take action to investigate and resolve these discrepancies, I will be forced to pursue legal measures.
Product: Bank account or service

RE : Bank of America XXXX TexasI had just about given up. this complaint process is time consuming and my semester for the winter is about to begin for my XXXX program. The complaint has transformed into a fight with bureaucratic red-tape and stonewalling by the customer service members of BOA. Now I find out today that I can not open another account with any bank in Texas because my name has been flagged. I have gone through 4 -5 years of ID theft as a BOA customer and my credit has been damaged. Can not believe a Bank in the USA intentionally damages or allows its customer to suffer prohibiting the ability to recover from financial set backs instead of helping. In this context I decided to file this new complaint. Please see the synopsis of my complaint and supporting documents below. 
XXXX startFiled with OCCC TX : To : *OCCC Texas XXXX XXXXXXXXXXXX XXXX *Bank Pres. XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX RE : follow up : Status Synopsis UrgencyI have written numerous times attempting to expedite this BOA investigation from XXXX XXXX, 2015 to present. The details have been elucidated in several emails but the resolution has not been implemented. As a result as mentioned in the previous email " BOA complaint : Status Synopsis Urgency '' dated XXXX, XXXX, 2015 ( about 30 day after my compliant ), the time has run out. This month services needed to run my household are out of time. Creditors have begun to implement prosecution by district attorney for returned checks and payments, termination/suspension of services, utilities, insurance coverage, cell service, phone service, home owners insurance, etc. BOA has even informed me that BOA mortgage will report XX/XX/XXXX missing mortgage payment to the credit bureaus and that they are not required to add an explanation i.e., detail of my complaint and reason why the automatic payment was missing. Accounts that are cancelled or will be this month XXXX, XXXX ( gas ), XXXX XXXX ( lights ), Water bill, A # XXXX XXXX XXXX XXXX XXXX XXXX service plan XXXX. Please see the attached listing of creditor 's late fees that in total to date exceed the original {$910.00} withdrawal. 
XXXX EndIt seems that there was a push to just finalize this complaint without really addressing the ID Theft issues suffered by me over the past 4 -5 years with BOA. The latest of which is outlined above. OCCC TX has not been engaged in this complaint as I would have liked. My next semester is just about to start so I eventually agreed to pay to being the accounts current with BOA and my creditors. I then tried to transfer my police pension to XXXX XXXX XXXX which is now being blocked. Really inconvenient during this holiday season. I agree that you can share this complaint with the media. Of the dozen or so BOA CEO executive team managers that I discussed this case with the last were XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX with friendly but ineffective customer service. Please see the supporting documentation. 
Thanks, XXXX XXXX XXXX XXXX CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

Attn consumer service, My name is XXXX XXXX XXXX .| am XXXX XXXX XXXX. My social is XXXX. My address is XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 23455.my phone number is XXXX. 
| am attaching original bills | received From XXXX XXXX XXXX. | sooke to manger patient account service at XXXX and made several request. But they refused to help me. about 3 credit Bureaus policy of not reporting less than {$500.00}. What they have done all different time and date service they accumulate and reporting to finically hurt people intentionally.

When| visited dr | told him my hard ship. Dr said do not worry. From my insurance they got paid and they did breach of trust. | could have gone to Hospital where if | do not have income they forgive. This is a federal law. 
Another they have reported on XX/XX/2016 where it should have been reported early. This will extend 7 years time frame. | have less than year left. 
This has done lots of Finicial damage to me.
Product: Credit reporting or other personal consumer reports

Incorrect hard inquiries appear on my report, impacting my credit. Please delete these unapproved entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OK XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Outdated Addresses Under FCRA Dear Sir/Madam, I am writing to formally request the removal of outdated addresses from my credit report under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681c, which requires that credit reporting agencies maintain accurate and up-to-date information. 

Upon reviewing my credit report, I have found the following addresses, where I have never lived, and which are outdated and no longer associated with my current residence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These addresses are no longer accurate, as I now reside at : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I request that these outdated addresses be removed from my credit report, as maintaining them could result in confusion and inaccuracies in evaluating my creditworthiness. Under the FCRA, I am entitled to have my credit report accurately reflect my current residence. 

To verify my identity and current address, I have enclosed the following : A copy of my government-issued ID. 
A copy of a recent utility bill showing my current address. 

Please delete these outdated addresses from my credit file and provide me with written confirmation once the changes have been made. According to the FCRA, you are required to investigate and correct any inaccurate information within 30 days. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of these corrections.
Product: Credit card or prepaid card

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on COMENITYBANK/JCREW ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

2. XXXX XXXX DEALER SVC with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. 
Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in written composition. Legally a consumer complaint notices in demand for a check for compliance and further irrefutable evidence to such claim. 
THIS IS MY OFFICIAL WRITTEN COMPLAINT! 
XXXX XXXX XXXX FOR THE DATES OF XX/XX/year>, XX/XX/year>, XXXX 2024 Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM ANY AND ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. 
DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. 
To be clear, you are mandated by laws to eliminate every notation and or aspect of ANY AND ALL derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA XXXX, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. 
PLEASE FIX MY REPORT WITHIN 4 DAYS!
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 NUMBER : 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 : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 CREDIT BUREAU 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: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I signed up for a XXXX monthly membership plan for {$32.00} but was charged for an annual membership of {$470.00} via several unauthorized debits to my account. On XX/XX/XXXX, I called XXXX and informed them of their error. At which point, XXXX advised me they would not refund the unauthorized transactions. Im attaching a screenshot of the only authorized transaction on XXXX. 

XX/XX/XXXX : 1. I contacted Wells Fargo to dispute the unauthorized charges. 
2. Requested provisional credit/ Rep advised charges are in a pending status. Once charges post to the account I will receive the credit. 

***Credit never received XX/XX/XXXX : 1. I was told by a representative they dont have the right to dispute because I gave XXXX my debit card number for the initial transaction. 
2. Requested to speak to a supervisor, to date, Im still waiting to her from someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective Credit Reporting Agencies my identity theft affidavit. I have never authorized or given my express written consent to any third party affiliate Credit Reporting Agencies to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX. XXXX is in violation of this law:15 U.S. Code 1681i - Procedure in case of disputed accuracy. The law specifically states ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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 XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( 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. I HAVE NOT RECEIVED ANY DOCUMENT/CONTRACT CERTIFIED MAIL WITHIN XXXX DAYS OF REINVESTIGATION BEARING MY SIGNATURE THAT I CONSENTED TO OWEING FOR AN ACCOUNT FOR XXXX XXXX WHICH MAKES THIS ACCOUNT BEING REPORTED INACCURATELY ON MY CREDIT REPORT. IF THIS ACCOUNT IS NOT ACCURATELY UPDATED IN THIS REINVESTIGATION I WILL BE FILING A COMPLAINT WITH THE FTC AND ATTORNEY GENERAL FOR DIRECT VIOLATION OF THE FCRA. YOUR NEGLIGENCE TO PROPERLY UPDATE INACCURATE INFORMATION ON MY CREDIT REPORT COULD RESULT INTO CRIMINAL CHARGES FOR IDENTITY FRAUD FOR FALSELY REPORTING ACCOUNTS THAT NOT HAVE BEEN VERIFIED ON MY CREDIT REPORTS. PLEASE PROVIDE THE NAMES, ADDRESSES, AND TELEPHONE NUMBERS OF EACH PERSON YOU CONTACTED REGARDING THIS DEBT IS VERIFIED. ANY AUTOMATED RESPONSE OR E- XXXX VERIFICATION IS UNACCEPTABLE. I AM REQUSTING A REINVESTIGATION AND YOUR METHOD OF VERIFICATION.
Product: Payday loan, title loan, or personal loan

I took out a loan with Big Picture Loan on XX/XX/XXXX for {$870.00}. My goal was to pay it off in one payment, however, it did not work. So I called ( XXXX ) XXXX and talk to a represented to find out my options. I was not told that the interes5t would be compound daily, also it was not in the disclosure. I was able to make the payments on time until Big Picture loan started to debit my account before my Social Security Check got to the bank. Therefore, I stop payment to keep the bank from charging me fees. Additionally, my husband had to get a loan with them to for XXXX. They wanted to charged him {$32000.00}. for duration of the loan. So again they would attempt to take the money out of the account. Moreover, to pay his loan, I paid {$1100.00}. through my debit card. On XX/XX/XXXX, I attempted on six occasion to pay the last payment of {$360.00}. Nevertheless, it would not go through, and it showed up on my bank statement as a foreign transactions. Then I asked if I could send a money order to them, the representative wanted to do a debit knowing it would not go through just to continue with the daily int. Finally, the interest is way over the amount of what was borrow, and the harassment is awful. I did make the attempt to pay the final payment but that compound daily interest is not what I agreed too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that a collection from the company Transworld kept showing up on my credit report last year. I called the company at that time and they informed that I owed a outstanding medical bill a hospital in new jersey for emergency room services XX/XX/2017 or XX/XX/2017. i explained to them that I had health insurance at the time. they explained that I had to have the insurance company contact them. The insurance company contacted the collection agency and to my knowledge the bill was paid. I noticed that it did disappear off of my credit report, but then it reappeared again a month later for the same thing by the same company. I then contacted them again about this matter, I also had the insurance company contact them again. I was told by Transworld to not contact them again ; i should contact the insurance company and the person who made the bill which is XXXX XXXX. I contacted XXXX XXXX and they said the bill had been paid. The insurance company of XXXX of Delaware tried contacting them again to tell them that this bill has been paid to no avail. That was two weeks ago and I contacted the Credit Bureau to see what they could do because it still is not off of my credit report. The Credit Bureau suggested that I report them to your organization due to the fact that this is the second time that they will have to take it off.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I requested Transunion to remove the accounts in the attached dispute letter. In response on XX/XX/2024, Transunion stated that I didn't provide sufficient information such as a driver 's license, residence verification, and a social security card. This is not true. All information was provided with the dispute letter.
Product: Vehicle loan or lease

United Auto Credit changed my account number without notifying me either in written communication or verbal. I had a little issue at the end of XXXX and in XXXX of XXXX but contacted them regarding the payoff on XX/XX/XXXX ; and that is when I was told that my account had been charged off. I asked them when did this happen because I hadn't received any communication regarding that and it has only been 30 days between payment. I tried to make a large payment on XX/XX/XXXX but it was denied. I am complaining today due to unfair notifications and an opportunity to make good on our agreement. Nor did they give me the updated account number in which to satisfy the payoff. They eventually repossessed the car without notifying me of that either. They could have called me or sent written notification, and I would have relinquished the car since we are in another suit regarding the safety of the car. 
I did try to contact them regarding my part.