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

Between XX/XX/2019 and XX/XX/2019, a company called " XXXX '' made many fraudulent charges on my account ( account no. XXXX ). This company had been engaging in fraud according to many news sources of similar nature to the charges on my account. See attached news article. 

The total fraudulent charges were for {$320.00}. 

Although Bank of America does not dispute that the charges are fraudulent, they denied the claim on the basis that I did not " immediately dispute '' the charges. 

As noted my correspondence dated XX/XX/XXXX, " I keep very high balances and make very large deposits and charges of that small size would not be noticed immediately ; and any bank charges and/or deposits would not be reviewed until the ordinary account reconciliation that is performed every 30 days. This fraud was detected in 17 days. '' Despite this fact, Bank of America denied the claim. I documented my phone call with Bank of America in my XX/XX/XXXX correspondence and stated : " It is my understanding from XXXX ( ID # XXXX ) and XXXX ( ID # XXXX ) in Claims that my claim for the fraudulent XX/XX/XXXX charges was denied on XX/XX/XXXXon the following basis : ( 1 ) the charges occurred between XX/XX/XXXX XX/XX/XXXX, and that I logged ontomy account during that time and did not immediately dispute the charges ; ( 2 ) there was no aggressive usage or urgency to drain the account ; and ( 3 ) the charges were not in line with a fraudulent pattern. 

I appealed this decision and received a letter from Bank of America stating that they have " closed this claim. '' See attached. 

I am requesting help from the CFPB to have these fraudulent charges reversed and returned to my account.
Product: Debt collection

Was contact by XXXX on XX/XX/2024 about a collection. When I called them back I told them that I knew nothing about this debt, the receptionist sent me the the collector who was very rude. Expected me to give a credit card right then, I explained that I didn't know anything about the debt and that I needed proof, he did tell me it was from XXXX XXXX XXXX, but didn't tell me what it was for, and maybe a letter from them, which I have not gotten as well. 

I explained the him that having some compassion for people would get him better results then how he was treating me, he told me that he didn't need to do that, that he was a debt collector not customer service and he didn't need to treat me any way. 

I again explained that I knew nothing of this debt, he told me that either I pay it right now or he was going to go back to the company that sent it in and let them know that I refused to pay the debt and take the next steps. Again trying to explain that I didn't know what this was for. I finally hung up on him due to the rudeness and making me feel like I was a piece for having it in the first place. 

I did go to their website on the same day and submit a request for information and filed a complaint about XXXX, the collection specialist, but have not heard back from them as of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXXT XXXX XXXX opened XX/XX/XXXX for {$1400.00}, XXXX opened XX/XX/XXXX for {$11000.00}, XXXX XXXX opened XX/XX/XXXX for {$3600.00}, .BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY XXXX THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN XXXX XXXX AND XXXX XXXX CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

I do not have any association with the creditors mentioned, and these inquiries are not related to me.
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX XXXXS : Original creditor XXXX XXXX XXXX  XXXX XXXX Account number XXXX Date opened XX/XX/year> Collection account. {$120.00} past due as of XXXX. '' Chargeoff Balance Error. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Status updated XX/XX/year>. This account is out of date, reported inaccurately, and incorrect information. It must be removed from my consumer report effective immediately and indefinitely. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within XXXX business days as permitted by federal law.
Product: Payday loan

I went into Monetary Management of California, Inc. d/b/aMoney Mart for a loan. I asked how much I would owe on a loan of XXXX dollars. And the woman said I would have to apply. I filled out an application and gave it to her. She demanded my id, proof of income, bank statement and other proof. She took my picture, fingerprint, called my bank to verify my account was in good standing, and had me sign a bunch of paperwork. Then after all that she checked something on a computer she told me she could not loan me. 
I asked why would she collect all my information and have me sign stuff as if I was going to get a loan. She said it was policy and that they get audited by the state. I asked for my check back and copies of my documents and she said no. 
Should n't they have told me no before all of that? 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and 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 reported in MONTHS REPORTING LATE to be removed 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 XXXX XXXX  before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX XXXX 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!

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete incorrect information from my credit file. The items I need deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted immediately to correct my file. I reported the theft to the federal trade commission. I also have enclosed a copy of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.
Product: Mortgage

This mortgage company has incorrectly listed my house as in foreclosure and subsequently up for auction. This issue has been ongoing since around XXXX of 2022. When we contacted Fairway months ago when this first began, they said they weren't sure how this issue arose but that " they were looking into it. '' We have also consistently been told throughout these months that our mortgage is in fact up to date in Fairway 's system with no reason given for why it has been listed as foreclosed nor why it is listed as " for auction '' on multiple websites ( including popular real estate page, XXXX ). Throughout this issue, our credit reports and scores have also incorrectly reflected a foreclosed mortgage and late payments. Since this issue began, we have had lots of unwanted post-mail, email, phone calls, and unwanted visits to our personal home/residence by strangers wanting to buy our house and/or help with foreclosure. After this began, Fairway told us they hired a law firm to handle our issue. We were in frequent communication with that law firm and Fairway, and the unwanted visits and mailings/calls seemed to decrease for a time ( but not completely, nor was my credit report ever corrected ). Within the last 2 weeks, however, we have been informed by a new/different law firm that they have taken over our issue from the initial law firm we had been working with. We called Fairway to confirm this, which they. Since switching to a new law firm, we have again had frequent unwanted calls, emails, and visits to our personal home. This all has led to many frustrations and fear for our family 's safety at our own home due to the visits from unwanted people. We have also spent money and time on a sign for our yard to further dissuade unwanted visitors. We have spent many hours talking with Fairway and lawyers, yet Fairway continuously gives us the run-around when we ask why this is still an issue and why we continue to have inaccurate reporting to the credit bureaus.
Product: Debt collection

Today XX/XX/2021 I received an alert from credit agencies that Jefferson Capital placed an account on my credit report. Original creditor XXXX XXXX XXXX. I have no account or balance with the orginal creditor. Nor have I heard from Jefferson Capital. I havent received a demand letter or anything. This is not my account. Its either a mistake or these charges are fraudulent. I want this removed from my credit report immediately. I cant believe this collection agency actually put an account on my credit report that isnt mine, without contacting me.
Product: Checking or savings account

Continuously blocking my debit card, my PNC visa credit card and now will not allow my bank account to connect to XXXX XXXX. I have tried making SEVERAL purchases! On different site. I have called at least 5 times to have the problem resolved. I tell them I want purchases to go through. They say they reset everything and it should work and it keeps happening. This is my account and cards. I have proven my identity multuple times!!! What is the point in having an account if they refuse to allow you to use your money and block purchases!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am respectfully requesting for XXXX, Equifax and XXXX to add this positives accounts so my credit scores can improve over 600 's as my credit scores are suffering.

1.XXXX XXXX XXXX account # XXXX balance under $ XXXX.This is not a credit card or home loan, is a water softener purchase in 2015. 
in XXXX, Texas. 

2.XXXX  XXXX  account XXXX XXXX on purchase of a Laptop, this is not a credit card account. Balance is around {$640.00} as of XXXX 3XXXX XXXX XXXX  XXXX  credit card account XXXX XXXX, balance as of XXXX is {$440.00} Please add this accounts immediately. 

Thank you for my accommondations of my ADA Disability Act under Department of Justice.I am respectfully XXXX Lifetime and Retired and a XXXX XXXX XXXX XXXX Veteran. 
Urgent Matters!
Product: Consumer Loan

My husband was transitioning into a new job and the car payment was simply forgotten. I was contacted about my payment and made the payment immediately. I had confirmation from the person that I spoke with that it would not be shown as a late payment and it would n't hurt my credit. This is hurting my credit and it is not benefiting me as a consumer. I really need this removed.
Product: Credit reporting or other personal consumer reports

In octuber XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. 
XXXX XXXX XXXX  Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report.

Collection Accounts XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Balance : {$3000.00} Account Status : Charged off as bad debt, loss reported by creditor. 
Date Reported : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$0.00} Account Status : Closed, reported as loss. 
Date Reported : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Status : Charged off, loss reported. 
Date Reported : XX/XX/XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me.

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Credit reporting or other personal consumer reports

I would like to dispute the inquiry from the jpbmc card company through XXXX. I did have any intention with getting a credit card through them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.
Product: Credit reporting or other personal consumer reports

Hi i noticed on my credit report a few inquiries that i didnt authorize. 
XXXX XXXX XXXXXXXX - that was placed on my report XX/XX/XXXX XXXX. XXXX- that was place on my report XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX- That was placed on my report XX/XX/XXXX XXXX. XXXX XXXX XXXX
Product: Debt collection

Dear Sir/Madam, I am writing to dispute the validity of a debt collection account that appears on my credit report. I recently obtained a copy of my credit report and discovered an account listed by your agency under the name XXXX XXXX XXXXXXXX XXXX with account number XXXX. I believe there may be inaccuracies or discrepancies associated with this account. 

I would like to request detailed information regarding this debt collection account, including the following : Verification of the debt : Please provide documented evidence that verifies the debt in question, such as the original creditor, the amount owed, and the nature of the debt. 

Proof of ownership : Please provide documentation that confirms your agency 's legal ownership or authorization to collect on this debt. 

Validation of the debt : Please provide information on the date of the last activity or payment made on the account, as well as any relevant supporting documentation that substantiates the validity and accuracy of the debt. 

I understand that, as a consumer, I have the right to dispute and seek validation of any debt that appears on my credit report. I am exercising this right in order to ensure the accuracy and legitimacy of the information being reported. 

I kindly request that you cease all collection activities related to this account until its validity has been verified. Please also remove any negative reporting associated with this account from my credit report during the investigation process. 

I appreciate your attention to this matter and look forward to receiving the requested information within the timeframe specified by the Fair Debt Collection Practices Act ( FDCPA ). Please communicate with me in writing to confirm receipt of this dispute and to provide updates on the investigation. 

Thank you for your prompt attention to this dispute. I trust that you will handle this matter with the necessary diligence and in accordance with the applicable laws and regulations. 

Sincerely, XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2014 I sent the company a demand for validation for the refereced account The company failed to provide validation and in violation of Sec 809 FDCPA continued to report the account on my crdit report
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am formally disputing an inaccurate account that appears on my credit report with TransUnion and Equifax but is not listed on XXXX. The account in question is : Creditor Name ( s ) : [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : [ XXXX, XXXX ] Reported Balance : [ XXXX, XXXX ] Reason for Dispute : Incorrect/Unverified Account I have no knowledge or record of ever opening this account and request immediate verification per the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). Please provide the following : 1. A copy of the original signed application proving I opened this account.

2. A full payment history and breakdown of charges.

3. Any supporting documentation verifying my consent to be responsible for this debt. 

If you can not provide proper documentation within 30 days, this account must be deleted from my credit file immediately as required by FCRA regulations. 

Additionally, because this account is not reported on XXXX, its presence on my TransUnion and Equifax reports raises concerns about inconsistent reporting and potential inaccuracies in your data. 

I request a written response confirming your findings and the actions taken. If the account is not properly validated or removed, I am prepared to escalate this issue with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your prompt attention to this matter.
Product: Mortgage

Between XX/XX/19 and XX/XX/19, I informed USBank that I was cancelling my current homeowners insurance policy, set to expire on XX/XX/19, and not to disburse any payments to that insurance company. USBank acknowledged my request, and asked for my new policy information, which I sent to them on XX/XX/19. As of XX/XX/19, my new policy information is reflected on my USBank account. 

On XX/XX/19, contrary to my specific instructions ( documented via secure message with the bank ), USBank made a disbursement of {$1000.00} to my old insurance company, and I would like that money back.
Product: Credit card or prepaid card

i am a victim of identity theft by the lasw of the united stated of America and XXXX XXXX refuses to accept it. XXXX XXXX is not a judge