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

My Bank of America credit card information was stolen and I do n't know when. But my card was charged overseas in the amount of {$60000.00} plus starting in XXXX, 2016. I have been talking with BOA since then and at first they credited my account but then they said I have to pay these charges. I have never been to these countries in my life so I am not sure how this information was stolen. I have all my corespondence with BOA and was wondering if you can guide me in some direction.
Product: Payday loan, title loan, personal loan, or advance loan

My phone and wallet was taken.. All my social media and bank accounts was hacked. My identity was stolen. I never applied for any loans. In person or online. I dont have any knowledge of these loans..
Product: Money transfer, virtual currency, or money service

I am reporting this again for the third time I believe. This is a very important issue for me and I need help resolving it. I have been working on a lot and I am not able to get any answers from the other party. I have not received a dollar yet from the company involved and I dont know if they are not able to get a hold of me or if they are avoiding me all together. I also went ahead, not thinking very much and made other created other accounts, thinking somehow that that that might make sense. I think it only made things more confusing and complicated. Ive tried to gain access to those accounts to consolidate the balance of them to prevent such confusion only to be completely ignored and denied access. They say its for my own security purposes whatever that means. Ive attached some documents thatll substantiate my concerns and Im hoping that you can get some answers from them for me.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint regarding erroneous reporting of late payments by Equifax, associated with my XXXX account number XXXX. I have wrote a letter to Equifax dated XX/XX/XXXX and did not receive a response back. According to my credit report, Equifax has recorded late payments of 30 days in XX/XX/XXXX and XX/XX/XXXX. However, I assert that these late payments are a result of a billing error rather than any negligence on my part. 

As per the Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ), creditors are required to send billing statements at least 21 days before the payment due date. I have not received the statements for the mentioned months within the stipulated time frame. Therefore, I believe that the reported late payments are unjust and inaccurately damaging my credit score. 

I request that the late payments on my account be promptly updated to reflect that they were paid on time. It is imperative that this correction is made as soon as possible to mitigate any further adverse effects on my creditworthiness. 

Additionally, if XXXX insists that the billing statements were indeed sent to me within the required time frame, I kindly request that they provide me with a copy of the certified receipt bearing my signature as proof of delivery. Without such evidence, I maintain that the late payments were erroneously reported and thus require correction. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action to rectify the inaccuracies in my credit report. Please keep me informed of any developments regarding this complaint and provide guidance on any further steps I should take to resolve this issue. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Someone has opened some accounts in my name that are fraud I will be filing suit against XXXX XXXX XXXX There are XXXX XXXX accounts on my credit profiles and XXXX XXXX XXXX
Product: Checking or savings account

I am writing a file a complaint against XXXX XXXX XXXX Regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I am a victim of identity thief I contacted the proper authorities I was instructed to file a identity thief report with the federal trade commission, a police report and a identity thief affidavit. I am requesting these accounts be deleted immediately. Upon checking my credit report I discovered that there was several fraudulent accounts on my credit report, I have contacted the creditors and furnished the creditors with the above stated documents.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

SIMPLE. THE XXXX XXXX XXXX XXXX ACCOUNT WAS CLOSED AND REMOVED BY THE COMPANY THEMSELVES. XXXX AND XXXX HAVE ALREADY REMOVED THIS ACCOUNT BUT NOT XXXX. WHY? IT IS NO LONGER VALID SO IT NOW IS A UNFAIR BLEMISH ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax compromised my personal credit information in their recent data breach ( as confirmed by them on their equifaxsecurity2017.com website ). This compromises all of my current and future financial accounts. I would like resolution/compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX CT XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  : {$24000.00} ; XXXX XXXX XXXX XXXX : {$720.00} ; XXXX XXXX XXXX  : $ XXXX Opened : XX/XX/XXXX ; XXXX XXXX XXXX  : {$0.00} Date XXXX ; XXXX XXXX XXXX  : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX  : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX  : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX.
Product: Credit card or prepaid card

The XXXX Credit Card misled customers by using the Bait and Switch manipulation technique. They lured people to their credit card with no annual fee and great benefits allowing you to use cash back towards your statements. Now they not only lowered the benefits but made their cash back system only for credits towards their own company. Now I am stuck with this credit card because I care about my credit history and do not want to have a canceled credit card this quickly on my credit report.
Product: Checking or savings account

I sent three checks to different banks as payments of my credit cards bills. 
My bank ( Capital One Bank ) returned these checks unpaid even though my account had sufficient funds to pay these checks. I called Capital One to complain however the problem was not resolved and I had to close my checking account. However, Capital One did not return my funds which were deposited to this account. I need help getting my money back from this bank.
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX. I identified discrepancy with account listed under XXXX XXXX XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Debt collection

My name is XXXX XXXX XXXX my email is XXXX on XX/XX/XXXX I reported a complaint to XXXX XXXX XXXX for identity theft because someone opened an account with my information without my consent and brought the total bill that they mailed me of XXXX Im writing because I was honest about this and they are still sendin on me documents stating to pay the balance
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. XXXX has expressed to me in writing that my disputes will not be acknowledged because the account has been previously verified. The XXXX account # XXXX .... and PORTFOLIO RECOVERY account # XXXX in reference continues to report on my XXXX file without proper verification or investigation. This is in violation of 15 U.S.C 1681i ( a ) ( 2 ). To prevent me from employment and financing opportunities these companies willingly commit aggravated identity theft by reporting this information without my consent. I am legally refusing to pay this debt pursuant to 15 U.S.C 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until PORTFOLIO RECOVERY and XXXX can provide me with sufficient documentary evidence that I have any legal obligations to pay them. Until this is done any reporting of this information in my credit report must be removed. They have no regard for my federally protected rights as a consumer. This is extortion and theft by deception. If these entities continue their unfair and incomplete reporting and debt collection tactics they will be held criminally liable for all damages.
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 XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX ; XXXX XXXX Balance Owed : {$13000.00}.
Product: Credit card or prepaid card

Best Buy claimed they could not process my instrument. However, they did not follow the instruction attached to the instrument. It was not a check and can not be processed that way. It is a negotiable instrument and needs to be processed differently. They need to revisit this as their response was not appropriate given the situation.
Product: Credit card or prepaid card

Synchrony was calling me non stop about my late payments. They asked me why I had not made a payment. I told them that I have been receiving bills late, possibly due to delays at the post office. I also explained that I was having problems with the APP ( See Attached ). The problem with the APP is that it logins in through paypal and sometimes it does not load the LInk to pay your balance and was unable to pay.

I told the agent I would bring the account current if they agreed to waive TWO Late. The agent put me on hold to check my account and agreed to the terms.

I called Paypal back and they advised that they would not do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXXXXXX Balance : {$4000.00}.
Product: Credit reporting or other personal consumer reports

I have asked the credit bureaus to do a verification of everything on my credit report they stated everything was accurate. Upon doing a thorough research on my reports I found improper inaccuracies on the reports even after they did the thorough verification. By the provision of the fair credit reporting act I demand these items be investigated and removed from my credit report it is my understanding that you will reverify these accounts with the creditor that posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C section 1681 ( i ) a you must complete this reinvestigation within 30 days of the receipt of this letter. 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 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 has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Accordance with the Fair Credit Reporting act XXXX  Account # 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Bank Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent off a letter to Equifax asking for my accounts to be looked at for accuracy and completeness of accounts. You can see the attachment to view the accounts I requested to be re-investigated. It is XX/XX/2023 and I have not heard anything from Equifax about the re-investigation that was only supposed to take 30 days to complete. These inaccurately reporting items are causing me a great amount of stress and XXXX  due to me being in the process of trying to buy a house. Equifax has failed to do a timely investigation on my account as well as notify me that any of my accounts are under investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient damaged my credit score over the years by showing my two student loans opened in XX/XX/XXXX but did not report my first payment until XXXX. My payment history will show that my actual first payment was in XXXX. The Fair Credit Report Act will show that I am entitled to 100 accurate credit reporting. They withheld years of my payment history which lowered my credit age from 18 years to only 5 years on my credit report and the First Report date is how my score is mainly calculated so by Navient failing to report my correct first payment date in XXXX forward I have suffered financially because their fraudulent and false information lowered my credit score. Also my loan was paid off from consolidation on XX/XX/XXXX but they reported me for having a higher balance on XX/XX/XXXX to the credit bureaus
Product: Mortgage

" I am writing again to reiterate my request for assistance. I really have no where else to turn and can not believe I am being denied help on the basis that the delinquency amount is too high especially considering how many times in the past I attempted to obtain aid. Your response has proven that I am nothing but a number to you and your affiliates. Yes, I see clearly where it was outlined in XXXX and XXXX ( my initial pleas for help ) that your lifeless computers and investors used a formula to determine I was not worth the time, money and effort to assist. I don't care if it was a similar procedure to the one used by the Making Home Affordable Program. I urge you to remember that it was put in place to help people like me. People who where struggling to keep their homes through proof that there was financial hardship ( s ) AND still an ability to make the monthly payments after a potential modification. The current reason for my denial is the delinquency of my account. I understand that, however, this would not be the case had I been approved the first time years ago. I have a way to pay, I just need this chance. This home is my life and I don't want to lose either. As it stands, I already have enough battles with my XXXX. Every time I have another session for a my XXXX, it leaves me completely drained. I am not able to think straight and I can not function like I normally do. This is not an easy process for me. Never did I think in all my years that I might one day have to go through this kind of trial. Everything is being taken from me as my years and health slip by the wayside.
Product: Checking or savings account

On XX/XX/2021, I completed an application to get a business checking account with Wells Fargo. Below is details of the person I spoke with XXXX XXXX Inbound Sales Specialist II Wells Fargo Virtual Channels Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX X XXXX | Fax XXXX XXXX asked me to submit all of my business identifying information through a secure messaging portal. The next day, XX/XX/XXXX, I received an email saying check the status of my application. I was not approved for this account. 

It wasn't until XX/XX/XXXX when I got a notification from my consumer report as seen in the first attachment that an account was opened with my social security number through Wells Fargo. I never remembered entering into a consumer credit transaction with Wells Fargo or giving them the authority to open any accounts with me as a consumer. First I called XXXX, no answer. Then I called the number listed on my confirmation email of the application submission which was the business department where the guy repeatedly told me " I see your account, but I am not authorized to give you any information and that I will have to call another department. '' " I asked to be transferred to that department '' I waited for an hour and finally a lady answered and she repeated the same thing " I am not able to give you details on this account information. '' " I stated but the account is in my name. I just want my login information. She repeatedly stated that there was nothing she could do. Extremely discouraged at this point because this was only supposed to be a business checking account my company took a major financial loss behind this about $ XXXX worth but even more so I the consumer took an even bigger loss. Wells Fargo stole my identity, entered me into a consumer credit transaction, and opened an account under my name using my credit card. As you can see in the 2nd attachment I have what appears to be an adverse action which was sent to me on XX/XX/XXXX. Upon researching and trying to understand I ran across this Court Order attachment 3 from the CFPB, which states that Wells Fargo has a history of opening up accounts in consumers ' names. I am not sure what I did as a consumer to deserve such aggravated identity theft by Wells Fargo during these unfortunate times of the Pandemic, but I did not deserve for my identity to be stolen, to constantly get denied from Wells Fargo since they already have an account with my name on it, and to have take such financial loss behind what was suppose to have been a business transaction but instead was a consumer credit transaction.
Product: Credit reporting or other personal consumer reports

I've previously complained about information on my report being fraudulent, and I must request that the information be updated. I don't know if who ever is using my information reported this info but i don't know XXXX or XXXX. I only know XXXX. Additionally, and the main reason for my report is that there are inquiries on my account that I am unaware of, did not authorize, and did not give my written consent for. According to 15 US Code 1681b - Permissible Use of consumer reports, I did not give written consent and my signature was not given to have these reports requested and these inquiries to appear on my report. They are adversely affecting my report and ability to get a home. XXXX ( XX/XX/23 ) XXXX ( XX/XX/23 ) XXXX ( XX/XX/23 ) XXXX XXXX ( XX/XX/23 ) and XXXX ( XX/XX/23 ). I am requesting that these please be removed from immediately