23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Bank of America has humiliated me for months stole my money and refuses to rectify the situation. For months I've been fighting them over the fraudulent charges made by XXXX. XXXX themselves sent me an email telling me my account was hacked and that I need to dispute all charges with my bank. I submitted two disputes but bank of America says that they made by error and they'd not reverse the charges. No papers, no documents, they even didn't contact XXXX because more of their fraud Dept associate says the reason why they will never refund the fraudulent charges is that the amount is big, and that they indeed never contacted XXXX about it as a cost saving measure. Again, they never explain why they reached the conclusion, nor did they provide me anything in writing. It was all done in a short message via the mobile app stating that the claim will go unpaid and that it's not their fault. This is my second and last attempt to collect my money or I'll go to court and retreat a trial by jury because the thieves at bank of America couldn't care less and they're not even try to hide their indifference. Absolutely disgusting swine!
Product: Debt collection

Speedy cash is reporting completely erroneous information. Account was paid off several years ago. Now they are stating I OPENED ANOTHER ACCOUNT IN XXXX OF THIS YEAR WHICH IS COMPLETELY WRONG. I DID NOT OPEN ANYTHING FROM THEM THIS YEAR. 
They are reporting false information. I believe the amount is around XXXX XXXX. As a new account. This is false!!!! Its.with a collection dept. They have called and said someone opened it online at a bank I DO NOT USE. This is all false!
Product: Credit reporting or other personal consumer reports

For the past two years I have been trying to fix my credit to purchase a home. Transunion continues to report my information inaccurately and I continue to lose my financing because of this. Ive even lost a few lender credits. Transunion never updates the information when I ask, they have reported a dispute inaccurately and they continue to use stall tactics which keep me from getting higher credit limits. Meanwhile I believe they are selling my information because right after I deal with Transunion their is a barrage of creditors and lenders trying to sell me stuff.
Product: Vehicle loan or lease

My payment was due on XX/XX/XXXX ; however, I looked at and purchased a new vehicle and turned mine into the dealer on XX/XX/XXXX as a trade in. They obtained a 10 day payoff and took possession of my vehicle on XX/XX/XXXX as I picked up my new vehicle this day. The dealer sent my payment by Capital One didnt get it until XX/XX/XXXX. The dealer had neglected to have a paper needed to pay off the loan and contacted me in XXXX. The payment being late was not my fault, I didnt even own or have the vehicle anymore. Capital One reported me late because the dealer got the pay off there on XX/XX/XXXX, two days past 30 days. I called Capital One and tried to explain that I didnt make the payment and didnt even have the car anymore that I gave possession to the dealer back in XXXX. They sent me a letter stating they wouldnt remove the late from my credit. I have not had any derogatory marks on my credit and I am asking for this to be removed with the mixup at the dealer.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Equifax, my information was released as part of their data breach. While they have set up the option for credit monitoring, I need to proactively sign up and the terms of service for that service includes a clause that appears to be intended to limit class action lawsuits. That is outrageous and should be illegal in cases of security breaches.
Product: Debt collection

I XXXX XXXX WOULD LIKE TO HAVE XXXX XXXX REMOVED BECAUSE I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND WOULD LIKE THIS TO BE REMOVED IMMEDIATELY I DONT EVEN KNOW THIS BANK AND NEVER BANKED WITH THEM
Product: Credit reporting or other personal consumer reports

About three months ago, I noticed that a Macy 's AMEX account showed up on my XXXX credit report for which I have no knowledge. I noticed this, because the account showed a late payment in XX/XX/year>. Upon further review of this account, it showed I was a joint account holder for someone I do not know. 

After making this discovery, I called Macy 's on three separate occasions over the past three months to make a complaint and try to resolve the matter. Each time, the representative I spoke to researched the matter, asked me several questions, and then concluded the account was not mine. In fact, no Macy 's representative could even find an active account under my name ; the only way they found reference to the account I was disputing was by running a report of what they had reported to XXXX under by name. It was only then they realized they had reported this account fasley under my name to XXXX. 

Every representative told me they were making a notation in my file, and that within 30 days I should receive a letter from Macy 's, stating the matter had been resolved. They also told me that Macy 's would inform XXXX, and that the account would be removed from my credit report. 

However, this did not happen. Upon realizing that the account still appeared on my credit report, I would call back Macy 's explain the entry was still present. The representative would then research the matter again with me on the phone, and the make the same conclusion - that the account was not mine, and that Macy 's would inform XXXX. 

As mentioned, I went through this exercise three times. Finally, after realizing that my efforts were futile, I made a complaint with XXXX. XXXX opened an investigation, and after almost thirty days, closed the investigation, citing that Macy 's had indicated the information was accurate, and that it would remain on my credit report.

After learning this, I called Macy 's back and spoke to another representative to request information about why they reported the information was inaccurate. This represenative could not answer my question, and would only say that she could not find any information about the account I was referencing. I asked to be transfered to the Fraud department, but the representative refused to transfer me. 

I then researched how to send complaints about credit matters to Macy 's in writing, and I was able to find an email address : XXXX. On XX/XX/XXXX, I sent an email to this address, outlining the same complaint that I have in this complaint. I did not recieve a response, so I then resent the same email on XX/XX/year>, and I have still not received a response. 

To sum, Macy 's is reporting to XXXX that a Macy 's AMEX account is mine, when it is not. I did not open this account, I do not charge to this account, and I do not know the name of the joint account holder. I have tried my very best to resolve this matter with the creditor directly, and with XXXX, to no avail. This is my last ditch effort before resorting to legal action. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

IM INTERESTED IN DISPUTING ALL INVALID DATA THAT IS HINDERING MY FILE FROM BEING XXXX ACCURATE. PLEASE REVIEW AND DELETED ALL DATA SUBMITTED ASAP.
Product: Payday loan, title loan, or personal loan

In XX/XX/2023, I was looking for a loan and found credit ninja online. I read some of the information and went through the verification process. I am currently working XXXX so the internet was not that great. I went through the prompts of verification with my bank. I clicked the prompts and it kept refreshing and assumed it didnt go through. Then the next day funds were deposited. I couldnt return them and they have been withdrawn if money from my account. I want a payoff but they want to charges me XXXX extra on a XXXX loan where I have already paid {$600.00}. I am about to close my bank account to them. I attempted to reach the company to cancel the loan and received no response and tried calling the number on the website.
Product: Credit card or prepaid card

I just found out that I have been enrolled ( without my knowledge ) in a Balance Protector program since 2009 as part of my Best Buy Citi Card.  They have been charging me monthly despite the fact that I have never authorized nor have I enrolled in the program. I learned through just a bit of research that they have been ordered to refund these amounts, yet I was never notified of this or offered a refund in any way. In addition, I tried to receive a refund from Best Buy, but they told me I had to go through Balance Protector Processing Center directly. They were also unhelpful. These charges are predatory and deceptive, and I am requesting any help from the Consumer Financial Protection Bureau available at this time. 

The companies involved are Citibank, Best Buy, and Balance Protector Processing Center.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous UNAUTHORIZED hard inquiries showing up on my credit report attached to my social for which I, XXXX XXXX XXXX, did NOT authorize. These inquiries need to be deleted and include the following companies : 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: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXXXXXX XXXX XXXX XXXXXXXX XXXX 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 a personal credit card accounts opened at XXXX  XXXX XXXX  on XXXX XXXX with a balance of XXXX account number XXXX, XXXX XXXX opened XXXX XXXX account numberXXXX, XXXX XXXX opened XX/XX/XXXX account number XXXX, XXXX XXXX XXXX opened XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXX, XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I have reached out 3 times to Comenity, and received no reply. I have put it in writing that I wish to cancel the contract, and this was done immediately after receiving it so I had time to do so. No customer service is bad enough. But I have received no reply, also not even an email with an account number. I applied for the card on XXXX, which is plastered with banners for 0 % interest for 36 months. I read the TOC before submitting my application, and the TOC clearly offers 0 % interest for 36 months. It was only after I got approved and made a purchase, that I realized there was a contingency. The purchase has to be for XXXX dollars, and I was only approved for XXXX. Had they been honest, I may well have spent XXXX because I am shopping for a refrigerator -- -but instead, the credit card was a " bait and switch ''. I have told Comenity that I wish to pay the balance and close the card with no further relationship. I want to pay no fees. I feel that this is a fraud, designed to draw people in to high interest rates and fees. It is not what was promised. I wish to cancel this contract with Comenity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, the following accounts have violated my rights. 
XXXX XXXX XXXX XXXX : account # XXXX and account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXccount # XXXXXXXX XXXX XXXX XXXXcount # XXXXXXXX XXXX XXXX  account # XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXX  account # 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.
Product: Credit card

XXXX XXXX Dispute Subject : Dispute of Charges - Account Number Ending : [ XXXX ] Dear Citi Card, I hope this letter finds you well. I am writing to formally dispute charges on my credit card ending in [ XXXX ], dated [ XX/XX/XXXX ]. The transaction in question involves the purchase of airline tickets through XXXX XXXX. 

On [ XX/XX/XXXX ], I made a reservation for airline tickets using my Citi credit card. However, upon receiving the confirmation, I realized that the tickets were booked for the wrong dates. Realizing the mistake promptly, I contacted customer service via phone to rectify the error and request a change in the travel dates. 

During the phone conversation, I was informed by staff that changing the dates was not possible, which left me in a predicament as I needed to travel on short notice. Faced with no other option, I had to make alternate arrangements through another agency, incurring additional expenses. They blocked the tickets, and I called, they later said they were unable to refund. 

Furthermore, during the interaction with customer service, I was asked multiple times to provide sensitive information such as the CVV number of my credit card via email. This request raised suspicion, as it seemed fraudulent to provide such information after the transaction had already been processed. 

Given the circumstances, and after careful consideration, I decided to dispute the charges as the service provided by the company did not meet the expected standards. Attached to this letter, you will find evidence of the email correspondence where staff requested sensitive information and proof of the incorrect booking. 

As a loyal customer of Citi, who regularly utilizes this card for business purposes, I am disheartened by this experience. Throughout our history of transactions, such issues have never arisen before. 

In light of these events, I kindly request a refund for the disputed charges to be credited back to my account at your earliest convenience. I trust that you will investigate this matter thoroughly and take appropriate action to rectify the situation. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

i have tried several times to talk to them. They have refused to supply me with the social security used.i have sent a dispute letter and they say they didnt get it but refuse to send me another one. All my credit cards and loans are paid on time and i am not late on one of them. Please help me this company is ruining my company.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCLAIMER : This is NOT A DUPLICATE. This complaint is in response to Experian 's response on a recent complaint. Please see attachment. Accounts they're stating are " reporting accurately '' are still ILLEGALLY REPORTING on my credit report. Experian didn't even do their own investigation into these ; they're literally taking the creditors ' words for it! Please tell me how an XXXX  account that not only reports CONCURRENTLY as " OPEN '' and " CLOSED '' but also -- as a collection -- reports a " PAST DUE '' ( with XXXX ) is 'reporting accurately '. AND, I show you proof of it! You're literally looking at the proof, yet you come back saying 'xyz XXXX is accurate??? Okay. Please tell me how 3 RE-AGED ACCOUNTS are " reporting accurately ''. Please tell me how all of the disputed accounts have different and often missing dates for " account open '', " account closed '', " date of last activity '', " date of last payment '' etc. is " reporting accurately ''! All of the disputed accounts STILL REMAIN in my credit report when they are supposed to be DELETED. They all contain incorrect, conflicting info and violations. These are all grounds for accounts to be deleted! On top of all of this, Experian actually ignored my disputes, which is ANOTHER violation. I demand that these accounts be deleted immediately from my credit report. My ID and SS card are included in the attachment.
Product: Checking or savings account

A checking account was opened using my personal information without my permission and knowledge. I called multiple times to request them to close my account and prevent future accounts from being open under my information and they refused to do it. They asked to verify my name, last 4 social, birthdate, and home address which I provided. They responded that they are not able to close the account without verifying an email address, which I don't not have with the company because I did not sign up with the company. Now they are asking me to email the support group with a picture of my photo ID and my social security card. They refused to close the account unless I provide them more personal information.
Product: Credit reporting or other personal consumer reports

My account withXXXX was never late! I have had exceptional payment history 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 to be updated.

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 date.

TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I am to formally express my concerns regarding NFCU XXXX XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that XXXX XXXX NFCU has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

This company is trading a long term bond in my all capital name without my consent or authorization which is a violation of the XXXX XXXX, identity theft security fraud forgery and violations of UCC laws the cfo XXXX XXXX XXXX is responsible for these actions since he is head of finance im going to the federal court house tomorrow to file a complaint against XXXX XXXX XXXX in his personal capacity for these actions
Product: Credit reporting, credit repair services, or other personal consumer reports

three fraud accounts are reporting under my credit file under equifax, these three accounts were disputed several times and no answer from equifax they can not help me and wont help me, they dont even place disputes, each time i call they say its on dispute or they says we can not place under dispute. please help my whole life has stopped because of these fraud account that were opened without my knowledge, i research and found your website, i figured it is better to try then just sit and do nothing, please i will be attaching my FTC report and the police report. 
appreciate your help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting a response from the credit bureaus regarding verification + validation for almost 1 year of a reported XXXX  XXXX bankruptcy. XXXX, XXXX, and Transunion. the last date of action was taken on XX/XX/2022.
Product: Debt collection

XXXX XXXX XXXX has placed a collection acct onto my credit report without any prior notification. I do not own nor have I ever had any credit card with this company. I would like copies of a credit application along with any identification used to fraudulent obtain this debt. I also would like this removed from all three credit agencies immediately. I have previously been a victim of Identity theft.