23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I need your help, my identity was stolen after I open an account with XXXX XXXX. I have put in a dispute for charges that I did not make. I am not disputing that I open an account. I received the card in the mail and when I called to active it, I was told that it had already been used. It was in a different state from where I live. 
I did not make these charges and on your web site it states that you take fraud very seriously. All my credit cards were stolen along with my checking account, my XXXX investment account. They had turned off my cell phone and turned off my email account. So I was not getting any alerts on my phone or in any emails. I quickly realized what was happening and took action. 
I have gone to the police and put in an identity thief report at the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX  XXXX phone number is XXXX. The case number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I s cheduled a payment of {$380.00}, payable on XX/XX/2019, from our joint checking account at XXXX XXXX, R I. to Bank of America 's VISA Signature credit card. 

However, instead of {$380.00}, the Bank of America debited my XXXX Checking account {$38000.00}, that is, 100-times the amount owed -- that is, {$37000.00} greater than the amount owed! 

I discovered this egregious error on XX/XX/2019, a XXXX. 

On XX/XX/XXXX I personally reported this egregious error to my personal banker at XXXX XXXX, XXXX, RI, but she directed me to the Bank of America. I brought this to the attention of Mr. XXXX at the Bank of America on XXXX XXXX, XXXX, RI. However, since the credit card was in my wife 's name I was asked to have her go personally to the Bank ; she did, and met with a banker the same day, XX/XX/XXXX, but at the branch on XXXX XXXX, XXXX XXXX, RI. The banker phoned the card 's customer service # for a resolution of the egregious error and refund the overdraw to our joint account. 
However, as of today, XX/XX/XXXX, the excess amount withdrawn from our joint account has not been credited. This is totally inexcusable.
Product: Credit reporting or other personal consumer reports

I was XXXX  during the time they claimed I open up the account ( impossible ) i have the documents to proved i was XXXX XXXX and I have no idea who caused the identity theft
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAX I WOKE UP THURSDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. 
I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX,
Product: Checking or savings account

I was supposed to get paid on XX/XX/2025 however Capital One still has not made my funds available and there are no updates or ETA of when funds will be made available.
Product: Credit reporting or other personal consumer reports

I'm filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of an of an investigation. This practice violates the Fair Credit Reporting Act 15 U S.C. 168i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act, 12 U.S.C.5536 ( a ) 1A -b? B, as highlighted in the CFPB 'S recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure that Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
This is a list of all disputed accounts : XXXX XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

My sister sent me funds from her checking account through XXXX and the transaction failed according to XXXX and the funds were sent back to my sisters bank account ( Wells Fargo ) however Wells Fargo never received the returned funds. Multiple calls have been made to XXXX and Wells Fargo and investigations go no where. I also filled an investigation with my bank confirming transaction was never received. These transactions, equaling {$400.00} have yet to be resolved and no monies have been received by myself nor my sister.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C 1681 ( e ) ( b ), which requires credit reporting agencies to investigate disputes and correct any errors in a timely manner. 

The item in question is a charge-off that has been incorrectly reported on my credit report by XXXX XXXX XXXX Not only is this information inaccurate, but the creditor has also filed a 1099-C form to report the cancellation of the debt. The filing of the 1099-C signifies that the debt has been forgiven or discharged, which contradicts the ongoing monthly reporting of a charge-off. 

Under 15 U.S.C 1681 ( e ) ( b ), you are required to conduct a reasonable investigation of any disputed information and correct any errors. In this case, the continued reporting of charge-off by XXXX XXXX is incorrect since debt has already been forgiven as evidenced by the 1099-C form alleged to be filed. This misreporting is unlawful and results in the continued negative impact on my credit report. 

Please investigate this matter immediately and update my credit report to reflect the accurate status of this account, in line with the 1099-C form and the cancellation of debt. If the creditor is unable to provide evidence substantiate the charge-off reporting after the debt cancellation, I request that this account be removed from my credit report entirely, as it no longer reflects the accurate status of the account. I look forward to your prompt attention to this matter and a resolution in accordance with the Fair Credit Reporting Act. Please provide me with written confirmation of the actions taken and any updates made to my credit report.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX late payment XXXX XXXX XXXX XXXX
Product: Checking or savings account

Lack of transparency regarding AUTO-RENEWAL and NO GRACE PERIOD for Certificates of Deposit by Pentagon Federal Credit Union ( PENFED ). 
I was not told verbally or in writing when I opened a very large CD ( opened XX/XX/XXXX, matures XX/XX/XXXX ) that PENFED has no grace period and that an online auto-renew switch must be turned off by the customer to stop a CD from renewing immediately at maturity. An online auto-renew switch is not a legally binding document and is susceptible to technical glitches and errors. I mailed PENFED a certified letter instructing them not to renew my CD at maturity and to provide me with a written document reflecting my request. A review from a dissatisfied PENFED customer and a XXXX article alerted me to what appears to be PENFEDs attempt to cause unsuspecting CD holders to unintentionally renew a CD and then be on the hook for early withdrawal fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX in regard to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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: Credit card

I received a letter from Synchrony Bank stating I had made an application for credit with XXXX. They requested I call to give them additional information. I called the number provided and was asked for my social security number. I did not give it to them. I asked that my name be flagged as having been the victim of attempted fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX, XXXX have been furnishing some incorrect credit informations that belongs to someone else, someone with similar name, or someone with fraud intentions. i have attempted to dispute all the wrong information off my credit profile tirelessly with no decision in my favor. have filed and obtained a full police report on the incident, i have some other documents as well to support my claim. i have attached a copy of police report, i have also attached a notarized copy of my state isued driver licence that bears my legal name, i have attched a notarized copy of my utility bill that also bears the correct name and address of my residence and not all other wrong addresses that are being furnished on my credit profile. the wrong addresses includes ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AR. 
XXXX XXXX XXXX, XXXX XXXX XXXX, AR XXXX 

SOME ACCOUNTS THAT HAVE BEEN FURNISHED BY THE CREDITOR INCLUDES ; XXXX XXXX, Account # XXXX, opened on XX/XX/XXXX ( {$0.00} ) XXXXXXXX XXXX XXXX account XXXX XXXX, ( {$760.00} ) XXXX XXXX XXXX XXXX, account XXXX XXXX XXXX XXXX {$440.00} ), opened on XX/XX/XXXX XXXXXXXX XXXX XXXX, account # XXXX, XXXX {$780.00} ), Opened XX/XX/XXXX XXXXXXXX XXXX XXXX, account # XXXX ( {$1200.00} XXXX XXXX XX/XX/XXXX child support account # XXXX, ( {$62.00} ) XXXX XXXX Account # XXXX, ( {$110.00} ) XXXX. XXXX XXXX, ACCOUNT # XXXX ( {$67.00} ) XXXXXXXX XXXX, Account # XXXX ( {$840.00} ) XXXX XXXX XXXX Account # XXXX XXXX {$610.00} ) All the above mentioned accounts have been furnished on my credit profile unlawfully ad illegally and violates my consumer rights.they do not belong to my name, i have never initiated those accounts.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete 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 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: Debt collection

I received a credit alert regarding a collection from first credit services, this company me one day and i informed then this debt was not mine and they need to contact the gym for more information, i never received a debt validation letter or itemized statement with amount of charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I XXXX XXXX is not a third party is depressed because XXXX and Experian did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and Experian my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server depressed because this is causing damaging to the character of my name please please help me I've been thinking bout XXXX because of these issue with XXXX and Experian because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them and they still have not deleted these items off my report hello help me XXXX  is ignoring me and Experian its been XXXX  months nothing done still
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I'm disappointed to notice that the following bad information is still there on my credit report, despite the fact that I previously submitted you a dispute letter stating that it is erroneous and inaccurately represented. My credit file was not corrected as a result of your investigation.
Product: Credit reporting or other personal consumer reports

I did not ask to have alleged debt verified, or said debt. XXXX is reporting my personal information to consumer reporting agencies. I am simply letting you know that it is against federal law to furnish my personal information which may include but not limited to consumer utilization, late payments, or having an account in collection status. If you are reading this but unfamiliar with federal law please forward to your company attorney. My account information was placed on my consumer report without my written permission or knowledge. In accordance with the fair Credit Reporting Act, convergent you violated my rights. 15 USC 1681 Section 602 A states : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting without my written permission, consent, or instruction. No person shall be held liable for any violations of these Sections. Businesses must maintain procedures to assure compliance with the provision of these Sections. You are reporting a specific amount this would be considered personal information. 15 USC 1681 A 2 and A 1. You are reporting on this account that XXXX defines transactions and experiences are not to be included on any consumer report. Willful noncompliance under XXXX XXXX civil liability will hold you liable for any damages, denials of credit or rejections due to inaccurate reporting.
Product: Credit reporting or other personal consumer reports

XXXX Bank is reporting a charged-off account on my credit report. 

This account has a balance of XXXX showing on all XXXX credit reports when in fact they have issued a 1099-C for this debt and cancelled it. 

The XXXX balance is showing as existing revolving debt on all XXXX credit reports and preventing me from securing a home loan. 

The balance on this account should show a XXXX ( zero ) balance as the have cancelled the debt as shown on the 1099-C sent to me. 

I spoke with XXXX and they will not correct it as they state they are reporting it correctly when in fact they are not. 

In box 6 they have code G and the 1099-C States " CANCELLATION OF DEBT '' I called to make a payment and they will not accept any money but continue to report this with an open balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA & # 39 ; s. On XX/XX/2019, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting different last payment information on each credit report. Creditor is inaccurately reporting the last payments as being on XX/XX/XXXX XXXX XXXX XXXX and, XX/XX/XXXX XXXX XXXX XXXX The last payment I made on this account was on XX/XX/XXXX for {$650.00} via XXXX. Creditor is falsely trying to reset the debt statue of limitations for North Carolina by reporting inaccurate payment information and activity.
Product: Debt collection

NCC Business Services has continuously denied and ignored my credit bureaus disputes stating that I owe an inaccurate amount of money. I have advised NCC Business Services on several occasions to no longer contact me via phone, and to only communicate with me via postal mail. NCC Business Services continues to contact me via phone and leaves voicemails on my phone as well as my relatives phone number identifying themselves as a debt collection agency. I have submitted several receipts over and over showing that the amount they are claiming and attempting to collect has been paid. I have submitted receipts to them directly as well. This collection has been reported on my credit report. This collection is not valid I request the negative reporting to be removed immediately as it is in violation of the FDCPA and FCRA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1300.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following credit inquiry on my Experian credit report is fraudulent, unauthorized and dont belong to me : XXXXXXXX XXXX, XX/XX/2018 XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2022 I filed an Experian credit dispute requesting the Creditor provide documentation validating the reported debt on my credit report. The creditor failed to respond to me or provide the requested documents to Experian. 

Experian Failed to investigate, and came back a week later with no investigation or resolution and closed the dispute. 


Experian refused to process a XXXX and XXXX dispute request on the issue. Creditor failure to provide documents to validate the claim being reported. Experian failed to investigate the claim.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of significant concern regarding the conduct of XXXX XXXX XXXX XXXX, a financial services company. It has come to my attention that XXXX XXXX XXXX XXXX has violated my rights under the Privacy Act of 1974, specifically in contravention of 5 USC 552a and 5 USC 552b, as well as related Code of Federal Regulations ( CFR ) sections.

The Privacy Act of 1974 is a federal law designed to safeguard the privacy of individuals concerning personal information held by federal agencies. It establishes a code of fair information practices that govern the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 

The specific sections of the United States Code that I believe XXXX XXXX XXXX XXXX has violated, in conjunction with related CFR sections, are as follows : XXXX XXXX XXXX- The Privacy Act of 1974 : XXXX XXXX XXXX XXXX, in its handling of my personal information, has failed to adhere to the provisions outlined in XXXX XXXX XXXX, which outlines the conditions under which personal information XXXX be disclosed and the rights of individuals to access and amend their records. 

XXXX XXXX XXXX- The Government in the XXXX XXXX : XXXX XXXX XXXX XXXX actions appear to contravene the provisions of XXXX XXXX XXXX, which governs the openness of agency meetings and the disclosure of information. I assert that XXXX XXXX XXXX XXXX lack of transparency regarding the handling of my personal information raises concerns about compliance with this statute. 

XXXX XXXX - Safeguarding Customer Information : XXXX XXXX XXXX XXXX XXXX also be in violation of XXXX XXXX, which sets forth standards to protect the security and confidentiality of customer information. Any failure to comply with these standards further compounds concerns regarding XXXX XXXX XXXX XXXX data handling practices. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate these alleged violations by XXXX XXXX XXXX XXXX and take appropriate action to ensure compliance with the Privacy Act of 1974 and related CFR sections. I am confident that a comprehensive examination will reveal the extent of the company 's non-compliance and facilitate corrective measures to protect the privacy rights of consumers.
Product: Student loan

I have been XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, Aidvantage informed me that my loans had entered repayment status. I am still XXXX XXXX XXXX XXXX XXXXl, and have never taken XXXX XXXX XXXX I checked my Aidvantage account inbox, and found an XX/XX/XXXX email saying that I was in deferment until XX/XX/XXXX. 

I emailed Aidvantage during the next 2 months trying to sort the mistake out. I only received automated responses. I called them at the beginning of XXXX. The agent said I was delinquent on XXXX loans. After looking at my account they acknowledged that Adivantage had a record of my XXXX deferment until XX/XX/XXXX, and that I was in their system as being still enrolled XXXX XXXX XXXX XXXX However, the agent would not reverse the delinquency. Rather they said I had to sign paperwork that would be sent in the mail to resolve the issue. It has been XXXX weeks and I still have not received the paperwork.