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

On XX/XX/XXXX, Bank of America notified me via text of 4 charges to my credit card ending in XXXX and asked if I had made them. I responded immediately to let them know I had NOT made these charges to protect myself from being a victim of this fraudulent activity of which I had no knowledge. As a result, Bank of America closed this account and reopened it with a different number ( ending in XXXX ). I thought the problem had been nipped in the bud and resolved by Bank of America 's fraud department. 

Unfortunately, on XX/XX/XXXX, Bank of America notified me on their website and via letter, dated XX/XX/XXXX, my dispute of this fraud claim had been denied based on my " account history '' and " information from the merchant. '' Although I have NO knowledge of these charges, including who the merchant is and what was ordered, I do know there have been NO SIMILAR CHARGES, totaling more than {$700.00}, to my account with Bank of America or ANY other credit card issuer. Likewise, I did NOT receive ANY merchandise at my home which could have been linked to these significant charges. 

The only information provided by Bank of America about the charges indicates they were placed on XXXX. I have ordered hundreds of items on XXXX in the over 20 years I've had an account with them. For obvious reasons, EVERY one of those orders has been placed through my XXXX account and I am unaware of any other way to order something from them. A review of my XXXX account history shows my last purchase was made XX/XX/XXXX, more than 2 weeks before the fraudulent charges Bank of America is trying to attribute to me. 

I have attached copies of the original texts from Bank of America notifying me of the fraudulent charges and my response to them verifying I did not make them. I have also included copies of my online Bank of America account showing the initial pending charges XXXX on XXXX ) and their reinstatement ( replacement XXXX ), along with the letter from them denying my claim. Finally, I have included a copy of my XXXX  account showing ALL of my purchases for XXXX ( with some personal information redacted ).
Product: Credit reporting or other personal consumer reports

I ATTENDED A SCHOOL NAME XXXX XXXX XXXX  BACK IN XXXX, AND I TOOK THE CLASSES FOR CERTIFIED MEDICAL ASSISTANCE AND MEDICAL BILLING AND CODING, BUT AS I GETTING READY TO GRADUATE THE SCHOOL CLOSED DOWN AND I GOT THE CERTIFICATION FOR THE COURSES BUT, WHEN I TRIED TO GET A JOB WITH THE CERTIFICATIONS I WAS REFUSED BECAUSE I WAS TOLD THE CERTIFICATION WAS NOT GOOD BECAUSE THE SCHOOL WAS NOT AN ACCREDITED SCHOOL SO THE CERTIFICATES WAS NO GOOD SO I COULD NOT USE THEM, THE DR. THAT I DID MY INTERM HOURS WITH LET ME STAY THERE, NO IT IS ON MY CREDIT REPORT MULTIPLE TIMES, AND I APPLIED FOR DEFERMENT, FORBEARANCE AND I ALSO APPLIED FOR STUDENT LAON FORGIVENESS , I APPLIED TO HAVE IT REMOVED THREW DEPARTMENT OF EDUCATION , BACK WHEN THE GOVERMENT WAS PAYING OFF OLD STUDENT LOANS BUT I NEVER HEARD ANYTHING, AND IT IS STILL THERE MULTIPLE TIMES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. Sterling complete a background check on for a job. One of the categories states I am categories as a level 1 XXXX XXXX from Nevada and Oregon. I NEVER repeat NEVER live at either one of these states. My email is XXXX to contact me, or phone number XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance : {$13000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Citizens bank sent letter indicating I have an account with them, but I do not and believe it was fraudulently opened. Citizens unable to assist yet they sent me a letter asking for me to verify account. XXXX XXXX XXXX at Citizens sent me the letter, but no assistance from chat or customer service when I reached out to the company on XX/XX/202XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I noticed two fraudulent charges to my checking account, one for {$18.00} at a XXXX in XXXX, GA, and one for {$1000.00} at a XXXX XXXX XXXX XXXX in XXXX, GA. I still have my debit card associated with this account. I reported the fraudulent charges the evening of XX/XX/XXXX, my bank cancelled the card, and mailed me a new one. The bank stated nothing could be done until the charges posted to my account, and I should call the businesses to see if there was anything they could do in the meantime. The following morning of XX/XX/XXXX, I called XXXX and was told there was nothing they could do. I called XXXX 's XXXX XXXX and spoke to a manager named XXXX, he stated he was the one who ran the transaction the previous day. He stated the guy had a physical card with my card number and expiration date on it, a different name and CVV code, and a driver 's license that matched the name on the debit card. He also stated the card was run as a credit card, the guy signed for it, and the name listed on the receipt was the same as the name on the card and driver 's license. I informed my bank of the information. The charges did not post to my account until the morning of XX/XX/XXXX, at which time I called my bank and an official claim was started. I was advised that the process could take up to 10 business days. After 9 business days I had not heard anything so I contacted my bank on the evening of XX/XX/XXXX. They stated, " I have reviewed your account and our records show that your claim in the amount of {$1000.00} & {$18.00} has been reviewed and resolved. Our records show that the claim was unsuccessful because there was no indication of fraudulent activity with the transaction. '' My bank was closed the following day for XX/XX/XXXX. The morning of XX/XX/XXXX I made contact with a social media representative, XXXX, of my bank. She asked for me to direct message her my phone number and she would be in touch with me. The morning of XX/XX/XXXX I received a call from XXXX, she transferred me to the fraud claims department at my bank. After telling them again I did not make the two fraudulent charges, they reopened the claim for further investigation. I was told the process could take another 10 business days. I filed a police report in XXXX County ( the area in which the fraudulent charges took place ) with the above information. I then filed a police report in XXXX XXXX County ( the area in which I reside ) with the above information including the case number of the other police report. I went to my nearest bank branch and asked them attach the two police reports to my claim. I have yet to hear anything from my bank concerning a resolution or any actions taken.
Product: Debt collection

I received a notice from XXXX XXXX that a new collections was added to my credit report. I have been trying to fix my credit for two years, so I watch it carefully. I had to XXXX the name of the collections agency to find a way to contact them and I had no account number or idea where this debt came from. I called asking for clarification and they said they would mail it out, I did not receive it. I filed a complaint with the XXXX  that I never received a notice before they reported this to the credit bureaus and the company finally responded saying they had sent out a notice and attached a pdf of that notice. When reviewing it to see what it was, I see that they are missing part of my address, so the initial letter never even made it to me. They claim they never received it back as undeliverable, but I can not explain that. I am guessing it went to someone else in my complex, as they did not include my apartment number, so nobody would have any way of knowing who it belongs to. I simply wanted clarification and if it is mine, I should have a chance to pay it off before it negatively affects my credit, as it has. I am trying to purchase a home and this was a devastating hit to my credit. If it is mine, I absolutely will make arrangements to pay it, but it should not be on my credit report until I have the chance to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two parts outline this nightmare due to selfs predatory lending practices in and inefficient customer service and exorbitant fees. Ive spent my life was perfect credit and only looked to use Self because of the misrepresentations it made on television regarding building my credit. Unbeknownst to me they had signed me up for a credit card as some sort of reward to the end of the term of the first loan which I paid off perfectly however since I did not receive any notice and failed to see where I signed or excepted service of that card I ended up with two late payments for the first time in my life. Self currently has 1000s of these XXXX complaints That clearly defy the fair credit lending act.
Product: Debt collection

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
It would be advisable that you and your client
Product: Money transfer, virtual currency, or money service

I made a XXXX purchase thru Affirm in the amount of {$760.00} ( loan id XXXX ) ; however, they have only refunded me partially of {$380.00}. I am due a remaining refund for the remaining {$370.00}. XXXX even advised me to dispute and get the refund directly thru Affirm and Affirm still has not complied. Please see attached screenshots.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached all my letters sent to the company along with their response after lying about an investigation which is a violation of FCRA. According to FCRA 611 ( 1 ) ( a ) ( 1 ), you have 30 days to complete an investigation and within these same 30 days you MUST update the DATE LAST REPORTED to signify that you indeed completed an investigation. The date last reported still reflects XX/XX/XXXX. How is this possible if you just did an investigation on XX/XX/XXXX? I pulled a copy of my report on XX/XX/XXXX and it reflects XX/XX/XXXX as the DATE LAST REPORTED as well under adverse accounts.
Product: Money transfer, virtual currency, or money service

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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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: Credit reporting

I have disputed with Experian about a collection account on my credit report ( XXXX XXXX ) and I stated ( between 3 and 5 times ) that the account was previously paid to the company XXXX directly, with no involvement of XXXX XXXX. The credit account was suppose to be removed since it was paid before the account was initiated.And of course XXXX XXXX never contacted me on the issue nor did XXXX, but I constantly am disputing the account since it was full in full to XXXX ( the final bill took a while to get to me since I moved to a new location but once received it was paid immediately )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted Experian about the following negative accounts COLLECTION ( Account number XXXX, Date opened XXXX XXXX, 2022, Balance {$2600.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis ( LN ) is reporting an incorrect Filing date. I filed a Chapter XXXX bankruptcy XX/XX/XXXX. The case was converted to a Chapter XXXX XX/XX/XXXX. LN is reporting the filing date of the Chapter XXXX as XX/XX/XXXX. This is in violation of 11 U.S. C. 348 ( a ). The section 348 ( a ) concerns the effect from one chapter to another. 348 ( a ) states in part. Conversion of a case from one case under one chapter of this title constitutes an order for relief under the chapter to which the case is converted. This does not change the date of filing of the case or petition the commencement of the case and the order of relief.

XXXX v. XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XX/XX/XXXX ), in which held that a conversion from chapter XXXX to chapter XXXX, the debtors are deem to have filed the converted case at the same time the original case was filed. The filing date of a converted case relates back to the initail filing date.

Under 348 ( a ) a converted case is deem to be filed at the time the case was initially before the converted case.

1. LN reports Chapter XXXX original filing date as XX/XX/XXXX and case number XXXX.

2. LN reports that Chapter XXXX   original filing date is XX/XX/XXXX and case number XXXX 3. LN reports Chapter XXXX discharge date XX/XX/XXXX case number XXXX.

4. LN reports case ID for both Chapter XXXX and Chapter XXXX as XXXX.

5. I have enclosed documentation from XXXX that states that the filing date for ChapterXXXX petition is datedXX/XX/XXXX.

6. I have enclosed the court order conversion of Chapter XXXX to Chapter XXXX 7. I have enclose the Discharge of Debtor order dated XX/XX/XXXX.

8. Resolution : According to 11 U.S.C 348 ( a ) The original file date for the Chapter XXXX must be the original date of the Chapter XXXX   petition date XX/XX/XXXX. I am requesting that LN correct their records to reflect the law and communicate the information to all credit bureaus which solicit information from LN. I am requesting a corrected copy of my entire file.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 602A. States I have the right to privacy 15 U.S.C 1681 Section 604A 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

I have few accounts and inquiries list below that have war against my credit profile. I need the following extended Fraud alerts to be remove from XXXX, Experian and XXXX. 

1.We XXXX  XXXX XXXX {$2000.00} ( chargeoff ) 2XXXX XXXX  XXXX the account was paid full and needs to be corrected on credit profile, for longer being a derogatory account. 

Inquiries XXXX / PPMC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Following information are in support of my complaint.

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 with out my written instructions, 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I submitted three letters to all 3 credit bureaus. I asked that they remove all reportings on COLLECTIONS as they were reporting false information about me. Here are the accounts reported by XXXX, Equifax and XXXX. 

XXXX XXXX Partial Acct # XXXX ... Past due as XX/XX/2023 XXXX XXXX XXXX Partial Acct # XXXX ... PAST DUE BALANCE OF {$4400.00} as of XX/XX/2023 XXXX XXXX Partial Acct # XXXX Closed. {$510.00} written off. ( Why does this account still show on my credit report? )
Product: Credit reporting or other personal consumer reports

Sent a request to have XXXX XXXX removed from my XXXX and XXXX account numerous times, still has not been removed. Info is incorrect and fraudulent.
Product: Credit reporting or other personal consumer reports

I discovered multiple fraudulent accounts on my TransUnion credit report, including : XXXX XXXX ( Account XXXX XXXX  ) XXXX ( Account XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, Account XXXX XXXX ) These accounts were opened without my authorization. I filed an FTC Identity Theft Report and submitted disputes with supporting documentation, including proof of identity and address. Despite my efforts, TransUnion has failed to remove these accounts, violating FCRA 611 and 609 by not conducting a proper investigation or removing unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ford Motor credit comp account XXXX, has violated my rights 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681section 604 A section 2 : it also states a consumer reporting reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose
Product: Checking or savings account

I opened Savings account online with Fifth Third Bank XX/XX/year>. I do no have Debit Card and made no Deposits, Withdrawals or any transactions. I never touched the XXXX Hackers steal {$28000.00} over ( 8 ) days XXXX XXXX XXXX in ( 22 ) transactions. No Calls, Alerts or Fraud Activity Notices from the Bank. Tuesday XX/XX/XXXX I spent ( 1+ ) Hour on the phone today with their Fraud Dept who says it will take TEN ( 10 ) days to Review & issue credit. I rec 'd refund for the majority of the $ yesterday Tuesday XX/XX/XXXX but bank missed ( 2 ) transactions & still owes me {$2100.00}. Banker Rep said these ( 2 ) remaining transactions were not refunded because they " occurred in XXXX ... .instead of XXXX ''. I had to Sign/Date form & return to bank. Now waiting again on refund before I can Close account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my credit report from XXXX and discovered that credit reporting agencies are reporting erroneous information in my credit report. The Credit Reporting Agencies have not responded my dispute as of today 's date. The Credit Bureau is required by the Fair Credit Reporting Act to complete their investigation within 30 days. Please review the payment history, date opened, most recent activity, and status of XXXX XXXX Account XXXX as I believe it was reported incorrectly, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts as I believe it was reporting in error : XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$1400.00}
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 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  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.